10-Year Structural Home Warranty
Offer buyers peace of mind – and give your sales a boost.
What is a Structural Home Warranty?
Structural home warranties offer long-term protection against major structural defects that compromise the stability and safety of a new home, including:
Foundation cracking or shifting
Framing or roof system defects
Load-bearing walls and beams
Floor systems and columns
Major structural collapse
Who Needs It?
Production Homebuilders
Custom Home Builders
Renovators adding major structural components
Why It Matters
94%
of buyers prefer builders who offer warranties
This coverage is a powerful sales differentiator
Long-term protection for builders and buyers
Why Use Toolbox Insurance
Instant policy documents
Fast digital enrollment
Custom options by state and home type
Common Questions
What’s covered vs cosmetic issues?
Structural warranties cover major issues like foundation settling or framing defects that affect the integrity of the home. Cosmetic issues are not covered.
Can it be sold after construction starts?
Structural warranties are typically sold at the time of home closing.
Can I package this with coverage with builder’s risk insurance?
Not usually. Builder’s risk is purchased at the start of construction, while structural warranties are sold at closing—providing coverage for up to 10 years after completion.
Need to file a claim?
Please refer to your policy documents for detailed instructions and contact the carrier listed on your policy to initiate your claim.
Have questions?
Call us at +1 (717) 807-5783, and one of our agents will do their best to assist you.