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Under the Homeowner Protection Act (HPA), all new homes built in British Columbia—including strata units—must be covered by third-party home warranty insurance if they are constructed by a licensed residential builder. Builders who believe they qualify for an exemption must apply to BC Housing, as only limited exemptions are available. Individuals who are looking to construct their own property for personal use must first pass an exam and obtain an Owner Builder Authorization from BC Housing. On
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