Most newly built properties come with a certificate, either from NHBC or one of the two other bodies which provide similar warranties. Without a warranty, you’re not protected if there are flaws in the construction of your home. If your new-build property doesn’t have a buildmark certificate it makes it even more important to take out a home insurance policy that covers your building and contents. You should also ask the builder why they aren’t part of the scheme before you buy the home. There could be good reasons for this, but you should ideally aim to find a property with a certificate as without one you may not be fully protected.