Your Buildmark policy Your Buildmark policy

New homes for affordable rent or shared ownership

Buildmark Choice is our warranty and insurance product for properties being built or converted for rent and shared ownership

Why choose NHBC warranty and insurance for affordable housing projects?

We are recognised and trusted in the affordable housing sector and work in partnership with many registered providers providing structural warranty and insurance to protect new build homes. For housing associations and local authorities developing homes themselves, we have a range of services to help manage the risks of their developments. If you’re building in this sector, we can support you and your client with:

Strategic and technical expertise

Out on site, our building inspectors are there to support you in the delivery of high quality new homes. At a strategic level we have highly experienced surveyors, engineers and building inspectors who can support you and your client from land acquisition through design, construction and handover.

Expert technical support

Association with the market-leading brand

We are the UK’s leading new home warranty and insurance provider, recognised by consumers. With over 80 years’ experience in helping to improve the construction standards of new homes and protecting assets from major defects, we understand how to manage the risks of development.

Association with the market-leading brand

A one-stop shop for warranty, Building Control and consultancy services

For consistency, quality and efficiency many of our builders choose to work with us for Building Control as well as services such as health and safety consultancy, energy ratings and land quality endorsement. We are a unique source of information, data and support.

A one-stop shop for warranty, Building Control and consultancy services

Online services

Whether it’s managing sites via the NHBC Portal or comparing the performance of sites through My Reports – we have online services to support builders from pre-construction to after-sales.

Online services



Sovereign Housing has insisted on NHBC warranty and insurance for all its new homes since it was formed in 1989. Working with NHBC provides a measurable standard for quality across all of our new home developments. It ensures that our contractor and developer partners understand our expectations and it provides consumers with a recognised warranty scheme.

Phil Stephens
Executive Director - Development and Commercial, Sovereign Housing

What is Buildmark Choice?

Buildmark Choice is specially designed to protect landlords of newly built or newly converted homes which are built to be rented out or for shared ownership in the private, affordable or social housing sectors.

Overview of Buildmark Choice cover


Warranty and insurance

We work on high value schemes, offering defects insurance and warranty based on your client's project requirements.


Continuous structures

Warranty and insurance cover for continuous structures based on your project's requirements.

10/12 YEARS

Cover period

10 or 12 years Latent Defects Insurance, with the option of up to two year builder liability period, depending on your client's requirements.

Policy also includes

  • Cover for loss of rental income, or alternative accommodation for tenants
  • Cover for removal and storage of tenants' possessions in the event of a valid claim
  • Cover for necessary costs of demolition or dismantling, site clearance and removal of debris, and shoring up of the homes in the event of a valid claim
  • A Minimum Claim Value (MCV) meaning we don’t require policyholders to pay the first part of any claim. Instead, if the cost of a valid claim exceeds the MCV, we will do the work or pay the cost in full and the policyholder will not have to make any contribution. The starting MCV for plots registered from 1 April 2019 is £1,750 (increasing by £50 on 1 April in each subsequent year).
  • Cover against contaminated land

The above applies to policies for plots registered with us from 1 October 2019. Please see the full Buildmark Choice policy document below for all the conditions and exclusions that apply. Homes registered prior to 1 October 2019 may benefit from insurance protection for certain breaches of Building Regulations if NHBC Building Control Services Limited is appointed for and carries out building control for the property. If we have provided this cover, it will be clearly shown on the Buildmark Choice insurance certificate, and a description of the cover included in the policy booklet. Please refer to your own policy documents for all the terms and conditions that apply to your home.

Additional cover options

It may also be possible for your client to enhance the cover provided by Buildmark Choice with the options below.

  1. Cover for contractor insolvency before practical completion.
  2. Cover for professional fees incurred in connection with a valid claim.
  3. Adding an extra two years to the eight year insurance part of the policy, making the total warranty and insurance period 12 years from the date on the Buildmark Choice certificate.

Buildmark Choice policy document

To see all the terms and conditions, please see the current Buildmark Choice policy document that applies to newly built and converted homes registered with us from 1 October 2019.

  Download PDF

Buildmark Policy Document

Machinery Inherent Defects Insurance

In conjunction with Arthur J Gallagher (UK) Ltd and HSB Engineering Insurance we are able to introduce you to Machinery Inherent Defects Insurance. There are two versions of this product, one that provides a level of cover for mechanical and electrical services, and another for district heating services. HSB provide risk management during the build phase through inspection and design support. Once completed, HSB provide cover for latent defects that damage or cause failure to your M&E system(s).

Find out more

NHBC Services Limited is an Introducer Appointed Representative of Arthur J. Gallagher (UK) Ltd, registered in England and Wales: 01193013, The Walbrook Building, 25 Walbrook, London, EC4N 8AW. Authorised and regulated by the Financial Conduct Authority.
Wisemans Insurance Services incorporating David G Rickard & Co is a trading name of Wisemans Insurance Services Ltd of 34 Church Road, Ashford, Middlesex, TW15 2UY who are authorised by the Financial Conduct Authority, registration number 308959. Wisemans have been appointed by Arthur J. Gallagher (UK) Ltd to arrange insurance in relation to Mechanical and Electrical defects insurance underwritten by HSB Engineering Insurance Limited.

What to do next...

You need to be registered with NHBC to offer Buildmark Choice warranty and cover. If you’re not yet registered with us, please visit the NHBC registration section first. If you’re already registered with us, you can send us the details of your new site straight away.

Buildmark Policy Document

Frequently asked questions

Check out our list of frequently asked questions and answers.
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