Residential Warranties

The first choice for all levels of home development.

At ICW we pride ourselves on the flexibility, range of cover and transparency of our residential warranty packages.

Our standard residential warranty, also known as Latent Defect Insurance, is a 10-year policy for new builds, renovations and retrospective cover.


Premiums based on build cost, not sale price, to provide better value, realistic cover


97% UK mortgage market approval and a proven track record


One of the few providers with an industry-approved consumer code


Underwritten by rock-solid, ‘A’ rated cover

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Beginning from either the legal completion date or, under Scottish law, the date of entry to the premises, our residential warranty covers the cost of correcting defects that may occur in any crucial structural elements, from the walls and foundations to the windows and roofing.

In the event of a structural issue our residential warranty can prevent financial stress by fully covering the costs involved in its correction. We can cover everything from your rebuilding works, design alteration fees, to the removal, storage and re-installation of contents and alternative accommodation while the works are carried out.


A residential development warranty that covers the structural elements of the building.

A swift, simple claim process that doesn’t rely on proof of negligence.

Unique coverage for each project.

A transparent, straightforward underwriting process.

An experienced, independent perspective on any construction project. 

“ICW delivered a bespoke product which was not readily available from other warranty providers. Their knowledge and understanding of the Insurance market was first rate”.

J.B.B. McIlwaine, Bruce Shaw Property Consultants Ltd


New Build

We provide cover from self-build projects through to large housing developments, providing support and protection that’s specific to your requirements. And because of our size, we can provide some of the lowest premiums on the market.

Renovations & Conversions

We specialise in warranties for all types of renovation work. From barn conversions to listed buildings we have specialist products not available from other warranty providers.


Many lenders now require a structural warranty for the purchase of any property which is less than 10 years old. The ICW retrospective policy provides the cover needed to satisfy the lender’s requirements.

Insolvency Protection

Protect your project from the risk of developer insolvency with a framework of support during the build. It’s total peace of mind for extremely competitive premiums.

Who we protect

From new builds to renovations, large or small scale, we flex to meet our clients’ needs. 





Get a Quote

With a focus on personal service and building an understanding of the specific needs of each project, we provide a framework of inspections throughout the build that helps achieve the highest standard of construction.

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