PRS Warranty

Are you building homes for rent?

Our Private Rental Warranty is designed for developers building properties that they intend to rent rather than sell.. Take a look below to learn more about what our PRS Warranty includes and how we can help with your next project or get a quote by filling in our online application form.

If your development contains a combination of homes for sale, private rental, social housing and/or commercial we can cover this as a mixed use scheme.

If your project contains a building of six storeys or more you will also benefit from our Major Projects Service. To see if your building/s would qualify as a major project check out our tall buildings graphic.



10/12 years
Cover Period -
Defects Insurance Period: 1 years Structural Insurance Period: 9/11 years
Up to £500,000
Financial Limits -
New Build: £500,000
Conversions: £250,000
Up to 25M
Continuous Structure Limit -
New Build: £25,000,000
Conversions: £5,000,000
From £100
Excess -
Defects Insurance Period: £100
Structural Insurance Period: £1,000

Cover Included:

Mechanical and Electrical Inherent Defects  (For 5 years from completion)

Contaminated Land  (During the Structural Insurance Period - up to 11 years)

Additional Costs / Fees  (For the policy duration - 10/12 years)

Alternative Accommodation  (For the policy duration - 10/12 years)

Removal of Debris  (For the policy duration - 10/12 years)

Cover Available:

Builder insolvency  (During the building period - subject to approval)

Loss of Rent (extension to standard)


Insurance Product Information Documents (IPIDs) summarise what is covered by our policies, making it easier for developers, tenants and leaseholders to compare providers and quickly understand the cover available. Download the PRS IPIDs here.

Larger financial limits are available under the High Value Scheme (HVS) versions of our policies

Protect your investment

Why choose LABC Warranty?

A’ rated insurers

All of our policies are underwritten by ‘A’ rated insurers, giving you and your customer’s peace of mind.

No. 1 for technical support

You will benefit from the expertise of our Risk Management Surveyors, working alongside your Local Authority Building Control team (LABC Warranty was rated as No.1 for technical support in independent research conducted in 2020.)

Protect your investment

Our warranty can protect maintenance budgets and provide certainty for life cycle costs and budgeting.

LABC partners

Since 2007 LABC Warranty has worked in partnership with Local Authority Building Control (LABC) to provide secure and reputable structural warranties

How to apply for a LABC Warranty

You can get a quote by completing our online application form. To complete the application we’ll need to know a few important things, such as – project location, number of units, the estimated sale value and your developments start and end dates. Our insurance boffins can then crunch all the numbers and give you a quote. Once you are happy and accepted the quote then your Risk Management Surveyor will be in touch…


How we work with you on site

We have a national network of experienced surveyors who work closely with you and your Local Authority Building Control team. Your Risk Management Surveyor will tailor the inspections to the needs of you site. You will also receive a detailed Technical Manual, accredited by RIBA and CIAT to provide you with guidance on each stage of the build.




Major Projects

Providing early, no-obligation engagement at the design stage to help you navigate the regulations and ensure compliance with our technical standards.

Self Builders

We work with you to help build your dream home. Our self-build warranty provides security, peace of mind and can be used to secure finance from lenders.

Home Owners

Our LABC Warranty protects your new home from structural damage that may occur during the first ten years after your home is completed.