Build with Confidence. Live with Certainty.

The comprehensive 10-year structural warranty that protects Kiwi homes and the builders who build them.

I'm a Home Owner I'm a Builder

Why Trade Guaranty+?

Building a home is likely the biggest investment you'll ever make. Don't leave its future to chance.

New Zealand has seen its fair share of building challenges—from the leaky building crisis to company collapses. We believe every new home should come with more than just a promise; it needs a guarantee backed by real security.

Trade Guaranty+ isn't a membership club. We are a specialist provider of 10-Year Structural Latent Defects Guarantees. We exist to ensure that if the unexpected happens to your home's structure, you aren't left footing the bill.

For Homeowners: Sleep Easy

You’ve found your dream section, chosen your design, and picked your colours. But what about the things you can't see?

The "Bones" of Your Home, Covered

Our guarantee specifically covers Structural Defects (as defined by the NZ Building Code). Core stability, strength, and durability protected for 10 years.

Independent Protection

We aren't just your builder's mate. We independently assess the plans and the builder before coverage begins.

Real Insurance Backing

Unlike guarantees relying on a small "reserve fund," ours are supported by rated reinsurers. The money is there if you need it.

See What's Covered
Modern New Zealand Home

For Builders: A Badge of Honour

In a crowded market, trust is your most valuable currency. Separate yourself from the cowboys.

Trade Guaranty+ is exclusive. We don't just hand out warranties to anyone with a hammer. We accredit our builders based on experience, financial stability, and quality of work.

Win More Contracts

Clients are nervous about risk. Handing them a rated 10-year structural warranty closes the deal faster.

Protect Reputation

We handle the structural risk, allowing you to focus on what you do best—building great homes.

Simple Admin

Stripped back paperwork. Designed to integrate smoothly with your build schedule.

Competitive Edge

Offer a level of security that "standard" membership guarantees simply can't match.

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Builder on Construction Site

"Aren't all guarantees the same?"

Short answer: No.

Many builder guarantees in New Zealand are "membership schemes." They rely on a pool of funds held by the association. If claims exceed that pool, or if the builder's membership lapses, you could be left exposed.

01

Rated Reinsurance

We operate with a quota share relationship with rated reinsurers. Significantly higher financial security.

02

Code Compliance Focus

We align strictly with the NZ Building Code (Clause B1). If it's a structural failure, it's our lane.

03

We Inspect Plans

We don't just trust; we verify. Our team reviews building consents to ensure risk is managed before construction.

Frequently Asked Questions

What exactly is a "Structural Defect"?

It's a fault in the building work that means the structure no longer complies with the NZ Building Code (Clause B1). Think major issues: foundations, load-bearing walls, stability, and durability. It doesn't cover minor cosmetic cracks or wear and tear.

Is this the same as the Master Build or Halo Guarantee?

No. Those are excellent products offered by trade associations to their members. Trade Guaranty+ is a specialist structural warranty backed by rated reinsurers, open to any accredited builder who meets our high standards, regardless of which club they belong to.

How long does the cover last?

10 years from the date of Practical Completion or when the home is first occupied (whichever comes first).

What happens if my builder goes out of business?

That’s one of the main reasons we exist. Our guarantee protects the homeowner against structural defects, regardless of the builder's current trading status.

How much does it cost?

Premiums are calculated based on the construction value of the home. For a standard new build, it's a small fraction of the total cost for a decade of peace of mind. Ask your builder to include Trade Guaranty+ in your quote.

Ready to build with certainty? Apply today for peace of mind.

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