Before your home is complete

If you have paid a deposit to a developer for a new home covered by our New Home Warranty, and the build hasn't started due to insolvency or fraud, this section of cover will help you to recover those costs.

Equally, if the developer doesn't complete a build for the same reasons as above, we will cover the costs of completing the home or refund your deposit. As standard, we will pay up to a maximum of 10% of the purchase price of your property or £100,000, whichever is less.

 

Defects Insurance Period

During the first 2 years of cover for New Homes, known as Defects Insurance Period (1 year for Social Housing Warranty cover), if you do find any problems with your home, it will be up to the developer to put things right. Make sure you keep hold of their details once you've bought your home and speak to them about the process of reporting problems.

If you can't come to an agreement with your developer about carrying out the repairs or they fail to carry them out, your structural warranty cover allows you to call Premier Guarantee and we will help you to get the work done as quickly as possible.

 

Structural Insurance Period

Your first point of call will be to call Premier Guarantee and let us know about your issue. We will then be able to tell you if you are covered under your warranty. We provide protection for the following elements of your home:

  • Foundations
  • Load bearing parts of ceilings, floors, staircases, walls and roofs
  • Non-load bearing partition walls
  • Chimneys and flues
  • Roof coverings
  • External finishing surfaces (including rendering)
  • Floor decking and screeds
  • Wet applied plaster
  • Double or triple glazed panes to external windows and doors

If you would like more information on how these are covered, you can check your policy document. If you don't have it, get in touch and we will send you a digital copy for your reference.