QLD Guide

Renovation vs new build (QLD)

Both can be owner-built — but renovations have extra traps: existing structure risk, surprises, and “live-in” complexity.

The biggest differences

Renovation
  • Existing structures insurance trap
  • Hidden defects = variations
  • Harder scheduling (access, dust, living-in)
New build
  • Cleaner sequencing
  • More predictable scopes
  • Site safety easier to control
Common renovation mistake
Assuming your existing home policy “covers the house anyway”. Confirm cover in writing before work starts.

What to do if renovating

  1. Confirm insurance: contract works + public liability + existing structure position.
  2. Allow contingency (time + money). Old houses always surprise you.
  3. Document everything (photos before opening walls, variation approvals).
Essential protections Questions to ask insurer Record keeping

Official sources

Next reads
Essential protections Questions to ask insurer QBCC permit
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