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Home Improvement Bond

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What is a Home Improvement Bond?

Home improvement contractors may be required to post a home improvement bond as part of the licensing regulations in the state or municipality where they work. A home improvement bond serves as a form of protection for a contractor’s customers against fraud or illegal activities, as well as violations of building codes. When a customer suffers financial harm at the hands of a contractor, a claim can be made against a home improvement bond.

A home improvement bond is a three-party contract that encompasses the surety company providing the bond, the principal or contractor required to post a bond, and the obligee mandating a bond be secured. If you would like to learn more about what surety bonds are and how they work, you can read our detailed guide here.

What Does a Home Improvement Bond Cost?

Similar to other surety bonds, a home improvement bond is priced as a percent of the total bond requirement. Bond amounts can range significantly from one location to the next, but typical bond requirements fall between $10,000 and $25,000. Home improvement contractors do not pay the full bond amount, but instead, they pay a bond premium ranging from 1 to 10% of the total.

The bond premium you pay for a home improvement bond is based on several factors, including your personal credit and your business financials. Contractors with an adverse credit history or low credit scores due to court judgments, liens, or missed payments pay a higher bond premium than those who have a strong credit profile. This is because a home improvement bond extends credit to the contractor to cover valid claims from customers.

How Do I Get a Home Improvement Bond?

You can start the process of obtaining a home improvement bond by submitting a brief application online. Once the surety company has reviewed your application details, including your personal credit history, you are given a quote for your bond premium.


Frequent Questions

How much does this bond cost?

The cost is usually 1 – 10% of the bond amount. Keep in mind that pricing varies based on the bond amount, and your financial strength.

What is the process?

Apply and get approved on our website, sign the surety agreements, and we will ship the bond out. If you would like to learn more about what surety bonds are and how they work, you can read our detailed guide here.

Can I get this bond with bad credit?

Yes, it’s possible, but bad credit usually results in higher rates.

Does it matter where I get a bond?

Yes. We provide the lowest rates possible as a result of the large volume of bonds we write.

What if a false claim is filed?

You must contact us immediately, as we have a team of claim specialists here to find a resolution for you. Keep in mind, it is crucial that you work with an expert in the surety industry. Learn more about how to ensure you choose the proper bond company.

Are you looking for a different type of bond?

You can take a look at our full list of license and permit bonds.


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Jennifer Henson
Our company has been with JW Surety for several years now so when we needed to obtain a bond for a new company, we immediately went to them for help. Our rep, Melissa, was extremely helpful and prompt which made the process extremely easy for me.
David Tillotson
Trying to get a local Surety Bond was like driving a car on three tires. I searched Surety Bonds and found JW Surety Bonds. I got online and filled out the information and with in 30 minutes received a response from Melissa. She was informative, friendly and helpful. One more super satisfied customer.

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