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    B.C.’s 2-5-10 Year Home Warranty: What it is and how it works

    If you’re purchasing a new build home or condo in B.C., you’ll be happy to know that the Homeowner Protection Act makes home warranty coverage mandatory. The 2-5-10 Home Warranty insurance is issued by a third-party and is the “strongest construction defect insurance in Canada”.

    What does BC’s 2-5-10 Year Home Warranty cover?

    Repairs and defects are covered under different time frames for the warranty, as outlined below. You should also note that insurance is on the home rather than the homeowner and transfers on re-sale.

    Basic coverage includes:

    • 2 years on labour and materials (some limits apply)
    • 5 years on the building envelope, including water penetration
    • 10 years on the structure of the home

    2-5-10 home warranty coverage in B.C.

    2-Year Labour and Materials Warranty

    • Any materials and labour defect for the first 12 months for detached homes and non-common property in strata homes
    • Common property in a multi-unit, strata building for the first 15 months
    • For the first 24 months, your warranty provides coverage for defects in materials and labour for electrical, plumbing, ventilation, heating and air conditioning delivery and distribution systems.

    5-Year Building Envelope Warranty

    Your new home warranty includes five-year coverage for defects in the building envelope, including defects that allow water penetration and cause material damage to your home.

    10-Year Structural Defects Warranty

    For the first ten years, your warranty will cover structural defects, including defects in materials and labour that result in the failure of a load-bearing portion of the home or structural damage that impacts residential occupancy.
    If you’re planning to buy a newly constructed home in Kelowna, be sure to look for licensed professionals and ask about their 2-5-10 Warranty coverage.

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