Structural warranties for every type of island development
New build houses, apartments, self-build homes, conversions, affordable housing and commercial schemes in Guernsey, Jersey and the Isle of Man - each with cover that fits how it is being built.
- Instant response
- Insurer quotes usually within one working day of your proposal
- UK FCA Regulated Broker
- 10 and 12 year cover
- Large and small Island sites welcome
New build houses
New build house warranties
Whether it is a single plot, a pair of semis or a small estate, each new home gets its own final certificate at completion, which the buyer's lender and advocate will ask to see.
- Traditional masonry, timber frame and modern methods of construction
- Phased sites, with homes certificated as each phase completes
- 10 year cover as standard, 12 years available from some providers
Apartments
Apartment and flat warranties
Blocks of flats bring shared structure, communal areas and often buyers who pay deposits off plan. Providers look closely at fire safety, cladding and the build method, and we make sure those questions are answered early.
- Low-rise and mid-rise apartment blocks
- Certificates for each apartment plus the common parts
- Optional insolvency cover for buyers' deposits, from some providers
Self-build
Self-build home warranties
Building your own home on the islands? Your self-build lender will almost certainly want a structural warranty or a professional consultant's certificate before it releases the final funds - and a future buyer's lender will want one too. Register before you start and the provider's surveyor will inspect as you go.
Affordable housing
Affordable and social housing warranties
Housing associations, trusts and developers delivering affordable homes need cover that satisfies funders and, where homes are sold, buyers' lenders. We arrange warranties for rented and shared ownership schemes as well as homes for sale.
Conversions and renovations
Conversion warranties
Turning a barn, farmhouse, chapel, hotel or office into homes means the warranty has to cover the existing structure you keep as well as everything new. Providers usually want a structural survey of the building before they quote.
- Granite and stone barns and farm buildings
- Commercial buildings converted to apartments
- Major renovations that create new homes
Mixed use and commercial
Commercial and mixed use latent defects cover
Shops with flats above, offices, industrial units and other commercial buildings can also be covered. Funders, purchasers and tenants often ask for latent defects insurance so they are not left exposed to hidden structural problems.
- Residential over commercial, with cover for both parts
- Offices, retail and light industrial units
- Policies that can usually pass to later purchasers and tenants
Not sure where your project fits?
Most schemes are a mix. Tell us what you are building and we will find the providers who cover it on your island.
Tell us what you are building
Give us the basics of your development and we will come back with the providers likely to cover it and what they will need.
- Takes under a minute
- Instant reply by email with your reference
- Insurer quotes usually within one working day of your completed proposal
- Guernsey, Alderney, Sark, Jersey and the Isle of Man
- Free and no obligation
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