Structural Warranty in Ireland — HomeBond, Premier Guarantee, and the 10-Year Cover
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Structural warranty in Ireland: HomeBond or Premier Guarantee. €2,500–€5,000 for a 150 m² house. 10-year cover.
Structural warranty in Ireland: HomeBond or Premier Guarantee. €2,500–€5,000 for a 150 m² house. 10-year cover for structural defects. Most mortgage lenders require a structural warranty for a self-build. Strictly, you don't need one for owner-occupier, but you won't get the mortgage without it. Apply 8–12 weeks before cover is needed. Insurers inspect the design and the site before binding. Premium is paid in two stages: on issue and at completion. The warranty covers structural defects (foundations, walls, roof, structural floors) but not finishes (paint, tile, kitchen). The latent defects insurance is a separate product, sometimes wrapped into the warranty. Check what's covered before you buy.
When this matters most
You're at the pre-construction phase and need a structural warranty.
When this doesn't apply
The warranty is in place.
Sources
HomeBond, Structural warranty. https://www.homebond.ie/
Premier Guarantee. https://www.premierguarantee.com/
Frequently asked questions
How much does a structural warranty cost in Ireland?
€2,500–€5,000 for a 150 m² house. 10-year cover. HomeBond or Premier Guarantee. Most mortgage lenders require this for a self-build.
What does a structural warranty cover?
Structural defects: foundations, walls, roof, structural floors. Not finishes (paint, tile, kitchen). Latent defects insurance is a separate product. Check the policy before you buy.
When should I apply for a structural warranty?
8–12 weeks before cover is needed. Insurers inspect the design and the site before binding. Premium is paid in two stages: on issue and at completion.
When this matters most
You're at the pre-construction phase and need a structural warranty.
When this doesn't apply
The warranty is in place.
Where to go next
Next decision
The next step in your build sequence.
- Contract Law Basics for Self-Builders in Ireland — RIAI Contract, Retention, and Your Rights →
- Self-Build Insurance in Ireland — Site Cover, Public Liability, and the Lender Requirement →
- Stamp Duty on a Site in Ireland — 1% Up to €1m, 2% Above, and Agricultural Land →
- VAT-Registered Self-Builder in Ireland — The Sole Trader Route and the 13B Scheme →
Branch into
Adjacent decisions at the same stage.
Watch out for
Common mistakes, hidden costs, gotchas.
- Capital Gains Tax on a Site in Ireland — When It Applies, the Exemptions, and the Trap →
- Latent Defects Insurance in Ireland — 10-Year Cover for Hidden Defects →
- Life Cover During a Self-Build in Ireland — When the Lender Wants It and What It Costs →
- Public Liability for a Self-Build in Ireland — Who Needs It, What It Covers, and the Cost →
- Solicitor for a Self-Build in Ireland — When to Hire, What They Do, and the Cost →