New Home

Over forty years ago, the Program took shape to bolster performance and professionalism among Alberta homebuilders and offer a strong measure of protection to new home buyers.

Today, we pursue that same mandate with passion and purpose. Beyond our robust suite of warranty products, the Program goes to great lengths to equip our Builder Members and their customers with the resources they need to resolve issues, honour specific standards of new home construction and become better educated about the homebuilding process.

We invite you to explore the products and services that set the Program apart among new home warranty providers in Alberta.

Current Products & Services

Mandatory Warranty

Click here to watch a short video on the new home warranty coverage provided through The Alberta New Home Warranty Program.

Alberta’s New Home Buyer Protection Act, which took effect in February 2014, stipulates that all new homes must include warranty coverage of one year for labour and materials, two years for delivery and distribution systems, five years for building envelope protection and 10 years for major structural components. This decision reflects the Government’s desire to ensure all new homebuyers receive warranty protection, clear expectations and an ownership experience protected from unpleasant surprises – the benefits our Builder Members’ customers have been enjoying for over 40 years.

1-2-5-10 Coverage

1 YEAR

Labour & Materials
Coverage for defects in materials and labour (baseboards, flooring, trim)

2 YEARS

Distribution Systems
Coverage for defects in materials and labour related to delivery and distribution systems (heating, electrical, plumbing)

5 YEARS

Building Envelope
Coverage for defects in the system of components that separate the controlled interior air for the exterior (roof, exterior walls)

10 YEARS

Structural
Coverage for the key structural components of the home (frame, foundation)

The New Home Warranty Insurance (Canada) Corporation

All new home warranty products under the Canadian Home Warranty Protection Program (CHWPP), including Alberta New Home Warranty Program (ANHWP), referred to as ‘The Program’ are underwritten and manufactured by New Home Warranty Insurance (Canada) Corporation (NHWICC) who assumes all warranty liabilities and obligations.

Living Expenses

If a new home is uninhabitable as a result of a defect or while warranty work is underway, the Program will pay up to $150 a day (to a maximum of $15,000) for reasonable living expenses incurred by the insured.

Warranty Coverage Limits

For a single-family home: The lesser of the purchase price (excluding land) and $265,000.

For a multi-family unit registered under a condominium plan: the lesser of the purchase price and $130,000.

For warrantable common property in a multi-family building or for the property for which a condominium corporation is responsible under its bylaws: $130,000 times the number of single units in the building to a maximum of $3,300,000 per building.

For a non-condominium multi-family unit (for example, a duplex unit or row townhome with no warrantable common property): the lesser of the purchase price and $265,000.

Commencement Dates

For a single-family home: the earliest of (1) the date a new home is first occupied; and (2) the date an accredited agency, accredited municipality, or accredited regional services commission grants permission to occupy a new home; (3) the date the transfer of title to the new home is registered.

For a non-condominium multi-family unit (for example, a duplex unit or row town home with no warrantable common property): the earliest of (1) the date a new home is first occupied; and (2) the date an accredited agency, accredited municipality, or accredited regional services commission grants permission to occupy a new home.

For a multi-family unit registered under a condominium plan: the earliest of (1) the date of occupancy; and (2) the date an accredited agency, accredited municipality, or accredited regional services commission grants permission to occupy a new home.

For warrantable common property in a multi-family building or for the property for which a condominium corporation is responsible under its bylaws: (1) the title to an inhabitable unit in a building or building in a phase of development of a condominium, a cooperative or multiple family dwelling is transferred from the Builder to a purchaser of a unit in an arm’s length transaction; and (2) the Builder has agreed with a qualified person to have the qualified person prepare a building assessment report for the building or for a phase of development within 180 days of the transfer of title described in (1).

Enhanced Protection

To allow our Builder Members to customize their warranty offerings and give their customers even greater peace of mind, the Program offers optional warranty products that go beyond the province’s mandatory “1-2-5-10” coverages:

Pre-Possession Insurance

Pre-possession Insurance is a combination of Deposit Insurance and Home Completion Insurance. Deposit Insurance means that in the event of default by a homebuilder, your investment is covered from payment of your initial deposit (under the purchase agreement) and expires upon start of construction to a maximum of $100,000. Please confirm amount with your builder. Home Completion coverage commences upon the start of construction and expires upon commencement of warranty, to a maximum of $100,000.

Multi-Family Deposit Insurance

Your deposit is covered for the amount of all deposit monies received by the homebuilder, and is project-specific to a maximum of $50,000 per unit to a maximum of $1,500,000 per building. Please confirm amount with your homebuilder. This means that in the event of default by a homebuilder, your investment is covered from payment of initial deposit under the purchase agreement and expires upon commencement of warranty.

Extended 2 Year Building Envelope

Optional building envelope coverage protects purchasers from defects in the building envelope for two years over and above the mandatory five-year coverage, extending the coverage period to a maximum of seven years from the warranty commencement date. Only the homebuilder may opt for this coverage at time of project application.

The New Home Warranty Insurance (Canada) Corporation

All new home warranty products under the Canadian Home Warranty Protection Program (CHWPP), including Alberta New Home Warranty Program (ANHWP), referred to as ‘The Program’ are underwritten and manufactured by New Home Warranty Insurance (Canada) Corporation (NHWICC) who assumes all warranty liabilities and obligations.

Pre-Mandatory Warranty

Setting the example for over 40 years

Over forty years ago – in 1974 – the Program pioneered the concept of new home warranty that recently became mandatory in Alberta by virtue of the New Home Buyer Protection Act.

Implemented in February 2014, the Act reflects the Government’s desire to ensure all new home buyers receive warranty protection, clear expectations and an ownership experience protected from unpleasant surprises – the benefits our Builder Members’ customers have been enjoying for over40 years.

The warranty products and services described in this section apply only to Program-warrantied homes whose building permits were applied for prior to February 1, 2014. Please refer to the Mandatory Warranty section of this website for information concerning homes whose building permits were applied for after February 1, 2014.

  • Deposit Protection
  • Builder Performance Protection
  • First Year Workmanship Protection
  • Structural Protection (with Optional Extended Protection)
  • Dispute Resolution Services

Deposit Protection

When you and a Builder Member of the Program enter into a contact for a new home or condominium and you give that builder a legally refundable deposit to bind the agreement, your deposit is protected. The Program provides coverage for the deposit amount up to 20% of the purchase price of a single-family home (to a maximum of $100,000) or up to 15% of the purchase price of a multi-family unit (to a maximum of $30,000).

We encourage you to consult with your real estate lawyer about putting conditions in writing to deal with deposit amounts that exceed the Program’s protection limits.

Coverage begins when your builder issues a Deposit Protection Receipt. Each time you make a deposit, your builder must complete the Deposit Protection Receipt. Be sure to retain copies of all deposit receipts.

Builder Performance Protection

Available for single-family homes only, Builder Performance Protection (BPP) takes effect when all purchase conditions are removed and applies until you take possession of your new home. In the unlikely event a Builder Member fails to complete a home as contracted, BPP assists you with completion costs and the discharge of the builder’s liens.

To minimize risk, please ensure your lawyer retains appropriate holdbacks on every payment to your builder.

To view the BPP certificate, click here.

First Year Protection

Every Builder Member of the Program must have a service and warranty program in place to address customer concerns. Acquaint yourself with the particulars of your builder’s program – how to request service or warranty work, your builder’s typical response time and so on. Coverages are outlined in your Warranty Certificate.

Addressing Pre-Occupancy Defects

Our Builder Members understand that prompt attention to items noted in your Occupancy Inspection is a customer satisfaction essential. You can expect your builder to address issues within a reasonable timeframe after occupancy – generally within a month unless the work is seasonal or materials must be special-ordered. You can expedite the process by working with the completion work coordinator to arrange access to your home.

Dealing with Deficiencies

Our Builder Members know that deficiencies warrant prompt attention so you can fully enjoy your new home as soon as possible.

Items incomplete or missing at the time of your Occupancy Inspection often result from seasonal conditions, as exterior work like pouring concrete, landscaping, applying stucco, parging and painting cannot be completed in winter or wet weather. Ask your builder about their schedule and policy for completing seasonal deficiencies.

Structural Protection

Homeowners may apply the unused portion of their First Year Materials & Workmanship warranty coverage to the costs of repairing major structural defects (i.e., any defect in material or workmanship that results in damage due to the failure of a load-bearing component to provide stable and adequate support in the home or that creates a health and safety issue due to non-compliance with the Alberta Building Code in effect at the date the building permit was issued).

Living Expense Protection

If your new home is uninhabitable as a result of a defect or while warranty work is underway, the Program will reimburse up to $6,000 for pre-approved, verifiable living expenses.

Renovation Warranty

Canada’s first new home warranty provider is now offering a renovation warranty.

The Alberta Renovation Warranty Program (the “Renovation Program”) Members are the elite of Alberta’s home renovation industry, well known for building excellence, outstanding customer service and performance that far surpasses industry standards. How do we know this?

  • The Program imposes the province’s most stringent requirements for membership, and we hold our Members to the highest standards of performance, professionalism and accountability
  • Our Members must complete formal, industry-specific education to improve competency, performance and service
  • Our high standards of membership ensure each of our Members has a history of honoring promises, a proven track record of successful projects and a solid financial foundation

Through all these assurances, the Renovation Program gives homeowners something invaluable: complete confidence that their renovators of choice are the best of ALBERTA’S BEST RENOVATORS.