Building your own home? You're in the right place.
Not just the cheapest cover — the right cover at the right price, placed by construction specialists. About a minute to start, then get back to the build.
Backed by experience across tens of thousands of projects.
Before you start
Most owner-builders don't have the right insurance.
Some have none at all. Whether you are building new or renovating, a standard home policy excludes a site under construction, and contractors insurance on site may not respond for you. The right cover fills that gap, and it needs to be in place before works start — once a site is active your options narrow and some insurers will not quote at all.
Who it's for
You are the builder on this one. Council approvals, trade scheduling, materials on site and the neighbours next door are all your responsibility. Three things need covering.
Covers the works, materials on site, and materials in transit against damage from events like storm, fire, and theft during construction. It protects your investment in the build, and lenders commonly require it before they will fund a project.
Covers your legal liability if a visitor, trade, or neighbour suffers injury or property damage connected to your site. Common limits are $5m, $10m, and $20m. Your council or lender may specify a minimum.
Renovating or extending? The existing house usually is not covered by your home policy once major works start. We can arrange cover for the existing structure alongside the works.
Free guide
Ten minutes of reading to help you understand the cover.
Free — we will email it over.
We will send the guide and nothing else, unless you ask.
On its way — check your inbox shortly. While you are here, start your quote; it takes about a minute.
Who you're dealing with
I have been around construction projects since the early 2000s, and construction insurance since 2012. In that time I have been involved in tens of thousands of projects for thousands of clients, and I ran underwriting for one of Australia's largest specialist construction insurance teams. That is the side of the desk that decides what gets covered, what gets declined, and what a job should actually cost.
I started Arrange because I kept seeing the same thing. Most brokers are not construction specialists. They place the wrong cover, they miss the exposures that matter, and their client only finds out at claim time when it is too late to fix. Or they quietly pay too much, year after year.
I am an engineer by training, so I know how a build actually goes together and where it goes wrong. That is what I structure your cover around. I built this business on smart tools that keep the price down and the turnaround quick, because owner-builders deserve better than a call centre and a template.
Pricing
There is no list price, but there is a logic to it, and it is worth understanding. In a nutshell, cover is rated primarily on the value of the works — what it will cost to build. Everything after that is a modifier.
Cover runs 12 months. Longer builds can be extended for an additional premium.
How it works
A minute on our request form. Address, project value, what you are building.
We approach insurers who write owner-builder risk. During business hours you will usually have an indicative price right away, with firm options to follow.
Once you confirm, we bind cover and issue your certificate of currency so approvals and site access are not held up.
FAQ
Requirements vary by state and by your council, lender, and permit conditions. Public liability is commonly required before works start, and material damage cover protects your own investment in the build. We can talk you through what applies to your project.
Tell us in the form. Some insurers will still quote a project that is underway, though options narrow and site condition matters. The earlier you get cover in place, the better.
Not automatically. Existing structure cover is a separate section we can arrange alongside the works cover. Flag it in the form and we will include it in your options.
Once cover is bound, certificates are typically issued same day.
Project address, estimated project value, the type of works, and whether works have started. The form takes about a minute.
Many of our clients are completing their owner-builder course at the same time as arranging cover. Mention it when we talk. Discounted training is often available for our clients.
A few of the situations owner-builder policies are commonly asked to respond to, kept deliberately high level.
These are simplified illustrations, not real claims, and not advice. Whether a claim is paid always depends on the policy wording, the limits and excesses in place, and the circumstances at the time. Talk to a broker and we will walk you through how a policy would actually respond on your job.
Get started
A minute now and it is handled. Start your quote and we will take it from there.
Questions
Not ready for a quote yet, or have a question first? Send a note and we will come back to you. For anything urgent, call 03 9933 4664.
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