If you own a four-bedroom free standing home in Alexander Heights, WA 6064, you're likely paying close attention to the cost of home and contents insurance — especially as premiums across Australia continue to climb. This article breaks down a recent insurance quote for a property in this suburb, compares it against local, state, and national benchmarks, and offers practical tips to help you get better value on your cover.
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Is This Quote Fair?
The quote in question comes in at $1,613 per year (or roughly $158 per month) for combined home and contents insurance, covering a building sum insured of $800,000 and contents valued at $180,000. The building excess is $2,000 and the contents excess sits at $600.
Our price rating for this quote is EXPENSIVE — above the suburb average.
Here's why: the suburb average premium in Alexander Heights sits at $1,182 per year, with a median of $1,081. This quote lands $431 above the suburb average and $532 above the median — a meaningful gap that warrants a closer look.
That said, "expensive" is always relative. Compared to the broader Western Australian average of $2,144/yr, this quote is actually well below the state norm. And when you stack it against the national average of $2,965/yr, it looks quite competitive. So while this homeowner may be overpaying relative to their immediate neighbours, they're still coming in well under what many Australians pay.
The key question is whether the higher-than-local premium is justified by the property's features and sum insured — and the answer is: partly, yes.
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How Alexander Heights Compares
To put the numbers in full context:
| Benchmark | Annual Premium |
|---|---|
| This Quote | $1,613 |
| Suburb Average (Alexander Heights) | $1,182 |
| Suburb Median | $1,081 |
| Suburb 25th Percentile | $881 |
| Suburb 75th Percentile | $1,308 |
| LGA Average (Wanneroo) | $1,550 |
| WA State Average | $2,144 |
| National Average | $2,965 |
(Based on 36 quotes sampled in the Alexander Heights area.)
A few things stand out here. First, this quote sits above the 75th percentile for the suburb ($1,308), meaning it's more expensive than at least three-quarters of comparable quotes in the area. Second, it's slightly above the Wanneroo LGA average of $1,550, suggesting it's on the higher end even within the broader council area.
However, the $800,000 building sum insured is likely higher than many properties in the suburb, which would naturally push the premium upward. If neighbouring homes are insured for less, a direct comparison isn't entirely apples-to-apples.
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Property Features That Affect Your Premium
Several characteristics of this property influence what an insurer charges. Here's how they play out:
Double Brick Construction
Double brick is one of the most favoured building materials among Australian insurers. It's highly durable, fire-resistant, and less susceptible to structural damage than lighter-weight alternatives. This construction type generally works in the homeowner's favour, keeping premiums lower than they might otherwise be.
Concrete Tile Roof
Concrete roofs are robust and long-lasting, offering good resistance to hail and wind damage. Like double brick walls, a concrete roof is viewed positively by insurers and should contribute to a more competitive premium.
Slab Foundation & Timber/Laminate Flooring
A slab-on-ground foundation is standard for Perth homes of this era and presents no particular risk concern. Timber and laminate flooring can be a moderate consideration — these materials are more vulnerable to water damage than tiles — but it's unlikely to be a significant premium driver on its own.
Swimming Pool
Pools introduce additional liability exposure for insurers, as well as a higher potential for property damage claims (think pump failures, storm damage, or accidental flooding). Expect the pool to add a modest uplift to your premium.
Solar Panels
Solar panels are increasingly common on Perth rooftops, and most insurers now factor them into building cover. They represent a capital asset that needs to be protected and can be costly to replace, which may slightly increase the building sum insured and therefore the premium.
Ducted Climate Control
A ducted air conditioning system is another high-value fixed asset within the home. Like solar panels, it contributes to the overall replacement cost of the building and is worth ensuring your sum insured adequately reflects.
No Cyclone Risk
Alexander Heights is not classified as a cyclone risk area, which is a meaningful premium advantage compared to properties in northern WA. Cyclone loading can add hundreds of dollars to annual premiums, so homeowners here benefit from its absence.
Construction Year: 1999
At around 25 years old, this home is mature but not aged. Properties from this era are generally well-regarded by insurers — past the teething issues of new builds, but not yet showing the wear-and-tear concerns of older stock.
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Tips for Homeowners in Alexander Heights
If you're looking to ensure you're getting fair value on your home and contents insurance, here are four practical steps worth taking:
- Review your sum insured annually. Building costs in Perth have risen sharply in recent years. Make sure your $800,000 sum insured still reflects the actual cost to rebuild — not just the market value of the land and home. Underinsurance is a real risk, but so is over-insuring if your figure hasn't been reviewed against current construction costs.
- Compare quotes before renewal. The fact that this quote sits above the suburb's 75th percentile is a strong signal to shop around. Use a comparison tool like CoverClub to see what other insurers are offering for the same level of cover before you auto-renew.
- Consider adjusting your excess. The building excess on this policy is $2,000 — a relatively high threshold. Opting for a higher excess can reduce your annual premium, but make sure you're comfortable covering that amount out of pocket in a claim scenario. The contents excess of $600 is more moderate and may have less room to move.
- Bundle your cover thoughtfully. Combined home and contents policies can offer savings compared to holding two separate policies. However, it's still worth checking whether a bundled deal from one insurer beats the cost of mixing and matching — sometimes specialist providers offer better value on one component than another.
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Compare Your Home Insurance Today
Whether you're renewing soon or just curious about whether you're on a fair deal, comparing quotes is the single most effective way to find better value. CoverClub makes it easy to benchmark your premium against real data from your suburb, your LGA, and across Western Australia.
👉 Get a home insurance quote and compare your options at CoverClub — it takes just a few minutes and could save you hundreds per year.
You can also explore detailed premium data for Alexander Heights, Western Australia, and nationally to see how your current policy stacks up.