What’s Really Included in Your Builder’s Quote
When you’re building a home, comparing quotes can be one of the most overwhelming parts of the process. On the surface, two builders might both submit a “complete” quote — but look a little closer, and you’ll often find very different inclusions, allowances, and hidden surprises.
At LPC Projects, we believe in absolute transparency from day one. Here’s a breakdown of what every homeowner should know about what’s really included in your builder’s quote — and what often gets left out.
Inclusions vs Exclusions: The Foundation of Transparency
A builder’s quote should clearly state:
What is included
What is excluded
What is allowed as a provisional sum or prime cost
The more detailed the quote, the less likely you’ll experience budget blowouts or stressful surprises mid-build.
Common Inclusions in a Comprehensive Quote
Here’s what should always be itemised in a quality builder’s quote (and what we include at LPC Projects):
Site establishment (fencing, site toilet, sediment control)
Insurances (HBCF, public liability, workers comp)
Structural works (slab, framing, roofing, waterproofing)
Internal fitout (kitchens, bathrooms, tiling, flooring, joinery)
Standard electrical & plumbing allowances
Common Exclusions That Often Surprise Clients
Now here’s where most frustration arises. Many builders exclude items clients assume are part of the package:
Often Excluded:
Landscaping
Driveways & Paths
Fencing & Gates
Blinds & Curtains
Security Systems
External structures
Unless clearly stated, these costs are often additional and can add tens of thousands to your final outlay.
Provisional Sums & Prime Costs: Know What You’re Comparing
Two quotes might both include a kitchen — but what kind of kitchen?
Prime Cost (PC) Allowance: e.g. $8,000 allocated for kitchen appliances
Provisional Sum (PS): e.g. $40,000 allocated for kitchen joinery
Low allowances make a quote look cheaper, but may not reflect your actual selections. If one builder has realistic allowances and another uses minimal placeholders, you’re not comparing apples with apples.
At LPC Projects, we spend time upfront reviewing your selections so our allowances reflect your expectations — not unrealistic placeholders.
Why Transparency Protects Both Client & Builder
Clear, itemised quotes:
✔ Build trust early
✔ Minimise variations mid-project
✔ Protect relationships under cost-plus contracts
✔ Help clients make informed choices based on real budgets
Our job isn’t to provide the cheapest number on paper — it’s to deliver the most accurate cost to complete your project, as you actually envision it.
How We Quote at LPC Projects
Detailed breakdowns of every trade
Allowances based on your selections
Transparent cost-plus invoicing model
Fortnightly reporting during construction
Open book financials for client peace of mind
Final Thought: Ask Questions Early
If a builder provides a one-page “lump sum” quote without clarity, that’s your first red flag.
We encourage every client to sit down with us during quoting. It’s not just about the number at the bottom — it’s about ensuring you fully understand what you’re getting.
—> Next Steps:
Thinking about building? Get in touch early to start your design and quoting process with full transparency.
Learn more about how we manage budgets with our detailed Cost Plus invoicing approach.
