住宅质量保证保险即“潜在缺陷保险”(简称IDI)，又称“建筑物十年期责任保险”，主要承保竣工验收之日起10年之内，住宅因主体结构存在缺陷发生工程质量事故而给购房者造成的损失。这种保险运作机制起源于法国，逐步被英国、日本、新加坡等许多国家引入，有些国家和地区甚至实 Residential Quality Assurance Insurance is “Potential Deficit Insurance” (IDI), also known as “ten-year liability insurance of buildings”. Within 10 years from the date of acceptance of the main underwriting, there is a project quality accident due to the defect of the main structure Losses to home buyers. This insurance operation mechanism originated in France, and gradually by the United Kingdom, Japan, Singapore and many other countries introduced, some countries and regions even real