Always Check Your Builder remind you that if something goes wrong, it's always going to be you carrying the can somewhere along the line, unless you have made certain you're covered.

Each state in Australia has different mandatory and required insurances for both you and your builder. You really do need to check.

In addition to the government mandated insurances (the absolute minimums that have dramatic variation in their true worth).

Notify your home insurance provider in writing of your building intentions before construction begins, as some insurance companies may refuse cover if they're not pre-informed of the work, and they may have some worthwhile advice for you.

Always get every answer from them in writing.

Read the items on this safety checklist from Always Check Your Builder.

You really do need to understand insurance when it comes to home building, additions and renovations.