# QBCC Home Warranty Insurance Calculator

> An independent, free estimator for Queensland QBCC home warranty insurance premiums and QLeave levies, operated by Leva Solutions. Not affiliated with the Queensland Building and Construction Commission.

Amounts are in Australian dollars. Results are estimates, not insurance policies, eligibility decisions or payment confirmations. Confirm eligibility and final amounts with QBCC and QLeave before relying on an estimate.

The calculator uses QBCC premium tables effective 1 July 2020. Its recorded rate-source review date is 13 September 2026. Use the live methodology tool and official sources to check the applicable version rather than treating this document as a guarantee of current rates.

`insurableValue` includes GST. QLeave uses a separate cost of work excluding GST; when not supplied, the calculator assumes the insurable value divided by 1.1, rounded to cents. It applies a 0.575% levy at a cost of $150,000 excluding GST or more. Multiple dwellings assume equal values and eligibility for notional pricing; the calculator does not establish that eligibility.

On the calculator page, browsers supporting WebMCP expose two tools after the page loads. Discover their live schemas through the browser's WebMCP interface; these are browser tools, not HTTP API endpoints.

`calculate_estimate` requires `workType` (`new-construction` or `renovation`), `insurableValue` (number from 0 to 1000000000), and `units` (integer from 1 to 1000). Optional `qleaveCostExGst` is a number in the same monetary range. It returns JSON text containing the premium, QLeave levy, total, calculation inputs, assumptions, rate version, official source links and a shareable URL. It updates the visible calculator. It does not email, lodge, purchase insurance or save contact information.

Example input: `{"workType":"new-construction","insurableValue":450000,"units":2,"qleaveCostExGst":200000}`.

`get_rate_methodology` accepts `{}` and returns JSON text with the rate version, recorded review date, QBCC table effective date, QLeave rate and threshold, and official source links. It does not change the estimate.

If WebMCP is unavailable, use the ordinary calculator form. Shareable estimate links preserve work type, value, dwelling count and any separate QLeave cost. Follow the returned `shareUrl` rather than constructing a URL from an unvalidated input.

## Calculator and guidance

- [Calculator](https://www.qbccinsurancecalculator.com.au/): Interactive estimates and WebMCP tools.
- [Premium tables](https://www.qbccinsurancecalculator.com.au/premium-table): Premium examples and estimating guidance.
- [Cost guide](https://www.qbccinsurancecalculator.com.au/costs): Cost drivers and worked examples.
- [Insurance guides](https://www.qbccinsurancecalculator.com.au/guides): Work types, premiums and insurance requirements.
- [FAQ](https://www.qbccinsurancecalculator.com.au/faq): Frequently asked questions.
- [Who needs cover](https://www.qbccinsurancecalculator.com.au/who-needs-it): General eligibility guidance; confirm with QBCC.

## Official sources

- [QBCC home warranty cover and premium tables](https://www.qbcc.qld.gov.au/running-your-business/home-warranty-insurance-obligations/take-out-home-warranty-cover): Authoritative insurance information.
- [QLeave levy calculator](https://www.qleave.qld.gov.au/building-and-construction/levy-payers/paying-the-levy/levy-calculator): Authoritative levy information.

## Optional

- [Builder toolkit](https://www.qbccinsurancecalculator.com.au/toolkit): Related tools and services.
- [Sitemap](https://www.qbccinsurancecalculator.com.au/sitemap.xml): Indexable public pages.
- [Robots policy](https://www.qbccinsurancecalculator.com.au/robots.txt): Crawler access guidance. This llms.txt file does not replace it or grant additional permissions.