Saudi ArabiaUpdated for 2026Real EstateSaudi Inherent Defects Insurance (IDI) Calculator 2026
Calculate statutory 10-year Inherent Defects Insurance (IDI) premiums, Technical Inspection Service (TIS) fees, and 15% VAT for residential villas and buildings under the Saudi Building Code (SBC).
Total 10-Year IDI Package Cost
Calculator Inputs
Total 10-Year IDI Package Cost
Annual Equivalent Cost (10-Yr Term)
Insurance % of Build Cost
Base IDI Underwriting Premium (1.5%)
Technical Inspection (TIS) Fee
Subtotal Before Tax
Value Added Tax (15%)
Inherent Defects Insurance (IDI) is legally mandatory under Saudi Building Code regulations for all new residential building permits. It provides a statutory 10-year decennial warranty against structural defects, foundations, and waterproofing failure starting from the certificate of occupancy date.
The approved Technical Inspection Service (TIS) conducts mandatory staged site visits during foundation pouring, structural framing, and waterproofing before granting final sign-off to activate insurance cover and issue the occupancy certificate on Balady platform.
Calculated pursuant to Saudi Building Code (SBC) decennial liability regulations and Council of Ministers Resolution No. 509.
This calculator is a mathematical model for general financial estimation, planning, and educational guidance. Results depend on your inputs and standard formulas, and do not constitute binding financial, tax, or investment advice. Always consult a qualified professional before making financial decisions.
Calculation Methodology
The standard package includes the statutory 1.5% IDI underwriting premium on structural construction costs plus independent Technical Inspection Service (TIS) fees and 15% VAT.
Frequently Asked Questions
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