How much home-warranty cover can you actually get?

Estimate your turnover limit — and the moves that lift it.

Builder home warranty (HBCF in NSW, DBI in VIC, QBCC in QLD) is granted off your Adjusted Net Tangible Assets. Plug in your balance sheet to see the likely limit and a ranked list of what would raise it.

Your balance sheet

Use your latest figures (ideally at 30 June). Insurers adjust these before working out your limit — goodwill and director loans get written down to nothing.

Cash at bank ($)

Trade debtors, under 90 days ($)

Old debtors, 180+ days ($)

Stock + work in progress ($)

Plant, tools & business vehicles ($)

Business-owned real property ($)

Loans owed to you by directors / related cos ($)

Goodwill & intangibles ($)

Liabilities due within 12 months ($)

Total liabilities ($)

Your track record

These don’t change the ANTA maths, but they move your premium and how much of the limit you’re actually offered.

Years licensed

Profitable years (last 3)

Externally audited accounts?

Business structure

Your email * *

We’ll send you a one-page checklist for strengthening your balance sheet before your next assessment.

Likely annual turnover limit

$817,500/ year

A typical award for your numbers. Realistic range $545,000 – $1,090,000. The scheme ceiling is about $1,816,667, but insurers rarely grant the full 3% floor.

Adjusted net tangible assets (ANTA)$54,500

ANTA as % of that limit6.7%

Current ratio (liquidity)1.71

Est. single-job limit$163,500 – $327,000

Moves that would lift your eligibility (6)

×$30,000 in loans to directors / related entities counts for $0.
Recovering that cash back into the business (or a Deed of Covenant) could add up to $30,000 to your ANTA — roughly $450,000 of turnover limit.

!$20,000 in goodwill / intangibles is excluded.
Insurers value goodwill, trademarks and deferred tax at zero. They don’t lift your limit — only real, liquid assets do. Don’t rely on them.

!$15,000 in debtors over 180 days is only half-counted.
Collect them. Bringing $15,000 of old debt into cash could add ~$112,500 of turnover headroom (they hit $0 past 12 months).

!Build a run of profitable years.
Three consecutive years of net profit is a key discount trigger. Retaining that profit (rather than stripping it) compounds your ANTA and your limit.

!Time dividends and drawings for after 30 June.
Insurers assess your balance sheet at year-end. A big dividend or drawing just before it strips ANTA and shrinks your limit for the whole next year.

!Consider externally audited accounts.
Audited financials give insurers more comfort and can attract a premium discount — worth it once you’re chasing a larger limit.

Working in your favour

✓ANTA of $54,500 — your limit is built on this.

✓Healthy current ratio (1.71).

Estimate and general information only — not financial or insurance advice. Actual eligibility is set by your insurer or state scheme (icare HBCF, VMIA, QBCC) and their exact asset weightings differ. Confirm with a specialist broker or accountant. Nothing you enter leaves your browser.

Balance sheet holding your limit back?

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