Armadale is one of Perth's most established outer-southern suburbs — a family-friendly area known for its leafy streets, affordable housing, and strong sense of community. For owners of a four-bedroom, double brick free standing home in the 6112 postcode, understanding what you should be paying for home and contents insurance is an important part of managing your household budget. This article breaks down a recent quote of $924 per year (or $86/month) for a property in Armadale, benchmarks it against local, state, and national data, and offers practical tips to help you get the best value cover.
---
Is This Quote Fair?
The short answer: yes, broadly speaking — but there's room to do better.
This quote has been rated Fair (Around Average), which means it sits in a reasonable range but isn't the sharpest price available in the market. At $924 annually, it comes in just below the Armadale suburb average of $942/year, which is a positive sign. However, it sits noticeably above the suburb's median premium of $742/year — meaning more than half of the 73 quotes sampled in this area came in cheaper.
The building is insured for $550,000 and contents for $100,000, with a building excess of $2,000 and a contents excess of $1,000. These are fairly standard settings, and the excess levels are on the higher side, which typically helps bring premiums down. If the excess were lower, this quote would likely be more expensive.
The "Fair" rating reflects that while the premium isn't overpriced, there are likely cheaper options available — particularly for a well-constructed double brick home with a tiled roof, which tends to attract more competitive pricing from insurers.
---
How Armadale Compares
One of the most striking takeaways from this quote is just how affordable Armadale is compared to broader benchmarks. Here's how the numbers stack up:
| Benchmark | Average Premium | Median Premium |
|---|---|---|
| Armadale (6112) | $942/yr | $742/yr |
| LGA of Armadale | $1,912/yr | — |
| Western Australia | $2,144/yr | $1,944/yr |
| Australia (National) | $2,965/yr | $2,716/yr |
The $924 quote is less than half the WA state average and roughly one-third of the national average — a remarkable difference that reflects several favourable factors about this property and location. Armadale sits outside cyclone-risk zones, faces relatively low flood exposure compared to many other Australian suburbs, and the 6112 postcode generally presents a manageable risk profile for insurers.
You can explore the full breakdown of local premiums on the Armadale suburb stats page, compare how the postcode sits within WA state-wide data, or view national home insurance benchmarks to put these figures in a broader context.
It's worth noting that the 25th percentile for Armadale quotes is $577/year, meaning a quarter of homeowners in this suburb are paying significantly less. This suggests that with the right insurer, there could be meaningful savings on the table.
---
Property Features That Affect Your Premium
Several characteristics of this particular property work in the homeowner's favour when it comes to pricing:
Double Brick Construction Double brick is widely regarded by insurers as one of the most resilient building materials available. It offers excellent fire resistance, solid structural integrity, and durability in high-wind events. Homes built with double brick walls typically attract lower premiums than those with timber or clad exteriors.
Tiled Roof A tiled roof is another tick in the right column. Tiles are durable, fire-resistant, and less susceptible to storm damage than corrugated iron or colorbond in many scenarios. Insurers generally view tiled roofs favourably when calculating risk.
Slab Foundation A concrete slab foundation is considered low-risk and low-maintenance. Unlike suspended timber floors, slabs are less prone to issues like subsidence, termite ingress, or moisture damage — all of which can influence premiums.
Construction Era (1990) Homes built around 1990 in Western Australia were generally constructed to solid standards, though they predate some of the more stringent building codes introduced in the 2000s. This vintage is neither old enough to attract significant depreciation concerns nor new enough to benefit from the latest construction standards — it's a neutral-to-slightly-positive factor overall.
Ducted Climate Control The presence of ducted air conditioning adds to the replacement value of the home's fixtures and fittings, which is factored into the building sum insured. At $550,000, the sum insured appears reasonable for a 139 sqm home of this quality in Armadale.
No Pool, No Solar The absence of a swimming pool and solar panels simplifies the risk profile. Pools can introduce liability concerns and additional maintenance risks, while solar installations add to replacement costs and introduce electrical risk factors. Neither applies here, which keeps things straightforward.
---
Tips for Homeowners in Armadale
1. Compare at least three quotes before renewing The spread between the 25th percentile ($577/yr) and the 75th percentile ($1,256/yr) in Armadale is significant. That $679 gap shows just how much premiums can vary between insurers for essentially the same property. Don't auto-renew — use a comparison tool to see what else is available.
2. Review your sum insured annually Building costs in Perth have risen considerably in recent years due to labour and material shortages. Make sure your $550,000 building sum insured still reflects the actual cost to rebuild your home — not just its market value. Underinsurance is one of the most common and costly mistakes homeowners make.
3. Consider adjusting your excess This policy carries a $2,000 building excess and $1,000 contents excess. If you're comfortable absorbing a higher out-of-pocket cost in the event of a claim, increasing your excess further could reduce your annual premium. Conversely, if cash flow is a concern, a lower excess might be worth the slightly higher premium.
4. Bundle your building and contents cover This quote already combines building and contents insurance, which is a smart move. Many insurers offer discounts for bundling, and managing a single policy is far more convenient than juggling two separate ones. If you're currently insuring them separately, it's worth getting a combined quote to see if you can save.
---
Ready to Compare?
A "Fair" rating is a reasonable starting point, but it doesn't mean you're getting the best deal available. Whether you're a first-time buyer in Armadale or a long-term homeowner coming up for renewal, it pays to shop around. Get a home insurance quote at CoverClub and see how your current premium stacks up against the market — it only takes a few minutes and could save you hundreds of dollars a year.