Protect your build, materials & liability — while you renovate or build your own home.
f you’re building or renovating without a licensed builder managing the project, you’re taking on the risks — and the responsibilities — of the entire job.
Owner Builders Insurance helps protect you financially during the construction phase, including risks like theft, vandalism, storm damage, site accidents and public liability claims. It’s designed specifically for people managing their own projects, because standard home insurance won’t cover you while work is underway. Journey Insure
Why Owner Builders Insurance Matters
Construction sites are exposed to risk every day. Materials can be stolen, works can be damaged by weather, and accidents can happen — even when safety measures are in place.
Without the right cover, you could be left paying for:
Most importantly, your regular home insurance won’t protect you during building or renovations, because the risk profile changes when construction starts. Journey Insure
Who Is This Cover Is For
Owner Builders Insurance is suited to individuals managing their own build or renovation, including:
What Owner Builders Insurance Can Cover
Policies vary depending on the scope and value of the project, but cover can be structured to include:
Contract Works (The Build in Progress)
Protects the work under construction — including structures being built, installed, or renovated.
Theft of Materials and Tools
Covers the loss of building materials, fittings, and tools stored on site (subject to security requirements).
Fire, Storm and Malicious Damage
Protection for damage caused by insured events such as fire, storm, vandalism and accidental damage, depending on the policy.
Public Liability
Covers legal liability if a third party is injured on-site or their property is damaged because of construction activities.
This is one of the most important parts of owner builder insurance — because accidents can happen even with good planning.
What’s Not Usually Covered (Important to Know)
Owner builders insurance typically does not cover:
We’ll explain these limitations clearly so you know exactly what you’re protected against.
Why Choose Get That Insurance?
Owner builder insurance is not a “one policy fits all” product. The right cover depends on your build stage, project size, location, and the risks unique to your site.
With Get That Insurance, you get:
Frequentley Asked Questions
- project type and location
- estimated build value and timeframe
- the type of works being done
- security measures on site
- any prior claims history
Get an Owner Builders Insurance Quote
Whether you’re building your dream home or managing a major renovation, we’ll help you protect your project from start to finish.
Speak to an Owner Builder Specialist
Head office address:
Molendinar QLD 4214
Call for help:
