QBCC Home Warranty Insurance Premium Table (2026)
The QBCC home warranty insurance premium is set by a fixed rate table based on the insurable value of your building work and whether it is new construction or a renovation. A $300,000 new build costs $2,102.10 in premium; a $300,000 renovation costs $3,629.65. Both figures include GST. The tables below give the current 2026 rates (in effect since 1 July 2020), followed by worked examples and the QLeave levy.
Use these tables to look up an indicative premium, then confirm the exact figure with the free QBCC insurance calculator for your precise contract price.
QBCC premium table — new home construction (2026)
Premiums for building a new single detached dwelling. Amounts are GST-inclusive and rounded to the nearest 5c or 10c, as published by QBCC. Work valued at $3,300 or less carries no premium.
| Insurable value of work | QBCC premium (incl GST) |
|---|---|
| $5,000 | $202.15 |
| $10,000 | $225.40 |
| $20,000 | $271.95 |
| $30,000 | $318.50 |
| $50,000 | $411.50 |
| $75,000 | $527.90 |
| $100,000 | $644.20 |
| $125,000 | $760.50 |
| $150,000 | $876.80 |
| $175,000 | $993.15 |
| $200,000 | $1,109.45 |
| $250,000 | $1,342.15 |
| $300,000 | $2,102.10 |
| $350,000 | $2,862.15 |
| $400,000 | $3,622.20 |
| $450,000 | $4,382.20 |
| $500,000 | $5,142.25 |
| $600,000 | $6,662.30 |
| $700,000 | $8,182.25 |
| $800,000 | $9,702.35 |
| $900,000 | $10,347.55 |
| $1,000,000 | $10,992.80 |
| $1,200,000 | $12,283.30 |
Figures at values between the rows shown sit at the premium for their own $1,000 band, because QBCC steps the premium up in $1,000 increments of insurable value.
QBCC premium table — renovations and alterations (2026)
Premiums for renovating, altering, or extending an existing home are higher than for new construction at the same value. QBCC publishes a separate "alterations" table, also effective 1 July 2020.
| Insurable value of work | QBCC premium (incl GST) |
|---|---|
| $5,000 | $222.00 |
| $10,000 | $257.70 |
| $20,000 | $329.05 |
| $30,000 | $400.40 |
| $50,000 | $543.10 |
| $75,000 | $721.45 |
| $100,000 | $899.80 |
| $125,000 | $1,078.15 |
| $150,000 | $1,256.60 |
| $175,000 | $1,652.05 |
| $200,000 | $2,047.60 |
| $250,000 | $2,838.70 |
| $300,000 | $3,629.65 |
| $350,000 | $4,420.70 |
| $400,000 | $4,886.05 |
| $450,000 | $5,351.40 |
| $500,000 | $5,816.70 |
| $600,000 | $6,747.35 |
| $700,000 | $7,069.95 |
| $800,000 | $7,392.55 |
| $900,000 | $7,715.15 |
| $1,000,000 | $8,037.80 |
| $1,200,000 | $8,683.05 |
For a full breakdown of what changes your figure, see our guide to what drives QBCC insurance costs.
How to read the premium table
The premium depends on two things: the type of work (new construction or renovation) and the insurable value of that work. A few rules set by QBCC change how you read the table:
- $3,300 threshold. No home warranty premium is payable on residential work valued at $3,300 or less. Above $3,300, the table applies.
- GST is included. Home warranty premiums are quoted inclusive of GST and rounded to the nearest 5c or 10c.
- $1,000 steps. Premiums rise in $1,000 increments of insurable value. Any amount over a $1,000 threshold bumps you to the next premium level.
- Insurable value includes associated work. Landscaping, driveways, fences, retaining walls, air conditioning, and hot water systems in the contract count towards the insurable value. It excludes the QBCC premium itself.
To understand the maths behind these bands, read how QBCC premiums are calculated.
Add the QLeave levy for projects of $150,000 or more
On residential construction work valued at $150,000 (excluding GST) or more, you also pay the QLeave levy of 0.575% on top of the home warranty premium. The levy is charged on the GST-exclusive value of work and rounded to the nearest dollar. Below $150,000, no levy applies and the premium in the table is your only insurance cost.
Worked example: a $300,000 new build
Here is how the premium and levy stack for a $300,000 (GST-inclusive) new construction contract:
| Item | Basis | Amount |
|---|---|---|
| QBCC home warranty premium | Premium table, new construction, $300,000 | $2,102.10 |
| QLeave levy | 0.575% of GST-exclusive value ($272,727) | $1,568.18 |
| Total payable | Premium + levy | $3,670.28 |
For the same $300,000 as a renovation, the premium alone is $3,629.65 before the levy. Owner-builders have different obligations — see owner-builder cover.
Is this the current QBCC table?
Yes. QBCC set the current premium tables on 1 July 2020, and they remain the rates in force for 2026. QBCC maintains separate tables for new home construction and for alterations, plus an optional additional cover table and an archive of historical tables. Rates can change, so confirm the current figure against QBCC or run your contract price through the QBCC insurance calculator before you quote. Common questions are answered on our QBCC insurance FAQs.
Frequently asked questions
What is the QBCC home warranty insurance premium table?
It is the fixed rate schedule QBCC uses to set the home warranty insurance premium for residential building work in Queensland. The premium depends on the insurable value of the work and whether it is new construction or a renovation. Premiums include GST.
Is the QBCC premium table GST inclusive?
Yes. QBCC home warranty premiums include GST and are rounded to the nearest 5c or 10c.
When was the current QBCC premium table last updated?
The current tables took effect on 1 July 2020 and remain current in 2026. QBCC also publishes historical tables for earlier periods.
Do I pay the QLeave levy on top of the premium?
For residential construction work valued at $150,000 (excluding GST) or more, you pay the QLeave levy of 0.575% in addition to the home warranty premium.
How is the premium calculated for two or more dwellings?
For two or more detached dwellings, duplexes, or multiple dwellings up to three storeys, QBCC uses notional pricing: divide the total insurable value by the number of dwellings, find each dwelling's premium in the table, then multiply by the number of dwellings.
Sources
- QBCC — Calculating the premium (thresholds, GST treatment, $1,000 increments, QLeave levy method)
- QBCC — Insurance premium table, new home construction (from 1 July 2020)
- QBCC — Insurance premium table, alterations (from 1 July 2020)
Premiums shown are calculated from the official QBCC premium tables effective 1 July 2020 and verified current for 2026. This site is not affiliated with the Queensland Building and Construction Commission. Figures are a guide only — confirm your exact premium with QBCC before entering a contract.