Ashby is a well-established suburb in the City of Wanneroo, sitting about 25 kilometres north of Perth's CBD. It's a popular choice for families, thanks to its mix of modern homes, good schools, and easy freeway access. This article takes a close look at a home and contents insurance quote for a four-bedroom, free-standing home in Ashby — breaking down whether the premium is fair, how it stacks up against local and national benchmarks, and what property features are influencing the cost.
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Is This Quote Fair?
The annual premium on this quote comes in at $1,109 per year (or $108 per month), covering both building and contents for a home insured at $754,000 with $50,000 in contents cover. Our price rating for this quote is CHEAP — Below Average, which is great news for the homeowner.
To put that in perspective, the suburb average for Ashby sits at $2,207 per year, and the median is even higher at $2,311. This quote is roughly half the suburb average — a substantial saving by any measure. Even the cheapest quarter of quotes in the suburb (the 25th percentile) comes in at $1,718 per year, meaning this premium undercuts even the most competitive end of the local market.
At $2,000 for the building excess and $1,000 for contents, the excesses are on the moderate-to-higher side, which will naturally help keep the annual premium down. It's worth weighing up whether those excess levels feel comfortable in the event of a claim — but for homeowners who are financially resilient and want to minimise ongoing costs, this is a strong result.
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How Ashby Compares
Zooming out beyond the suburb tells a similar story. Here's how this quote compares across different benchmarks:
| Benchmark | Premium |
|---|---|
| This Quote | $1,109/yr |
| Ashby Suburb Average | $2,207/yr |
| Ashby Suburb Median | $2,311/yr |
| LGA (Wanneroo) Average | $1,543/yr |
| WA State Average | $2,144/yr |
| WA State Median | $1,944/yr |
| National Average | $2,965/yr |
| National Median | $2,716/yr |
Compared to the WA state average of $2,144, this quote is about 48% cheaper. Against the national average of $2,965, the saving is even more dramatic — nearly 63% below what Australians are paying on average for home and contents insurance.
Even within the City of Wanneroo LGA, where the average sits at $1,543, this quote is meaningfully below par. You can explore more Ashby suburb insurance data here to see how premiums in the area trend over time.
It's worth noting that the suburb sample size here is six quotes, so the local averages should be treated as a useful guide rather than a definitive picture. That said, the consistent gap between this quote and every benchmark is hard to ignore.
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Property Features That Affect Your Premium
Several characteristics of this property work in the homeowner's favour when it comes to pricing:
Double Brick Construction
Double brick is one of the most favoured wall materials from an insurer's perspective. It's durable, fire-resistant, and holds up well against the elements. In Western Australia, where double brick is a common and trusted building method, homes with this construction type typically attract more competitive premiums than those with lightweight or timber-framed exteriors.
Tiled Roof
A tiled roof is another tick in the right column. Tiles are considered a low-risk roofing material compared to alternatives like iron or asbestos, and they tend to have a long lifespan with proper maintenance. Insurers generally price tiled roofs favourably.
Slab Foundation
A concrete slab foundation is standard for homes of this era in WA and is viewed as structurally sound. It also reduces the risk of subsidence-related claims compared to some alternative foundation types.
No Cyclone Risk
Ashby falls outside designated cyclone risk zones, which is a meaningful factor in keeping premiums down. Homeowners in northern WA, by contrast, face significantly higher premiums due to cyclone exposure. This property benefits from the relatively benign risk profile of Perth's northern suburbs.
Pool, Solar Panels, and Ducted Climate Control
These features add value to the property and are reflected in the sum insured, but they can also have a modest upward influence on premiums. A swimming pool, for instance, introduces some liability considerations, while solar panels represent a significant asset to protect. Ducted climate control systems are expensive to repair or replace, which is worth keeping in mind when reviewing your sum insured. In this case, despite these inclusions, the premium has remained very competitive.
Building Size and Age
At 244 square metres, this is a generously sized family home. Built in 2003, it's modern enough to meet contemporary building standards while being old enough that some components (roof tiles, hot water systems, ducted air conditioning) may be approaching the end of their useful life — something to keep in mind for ongoing maintenance.
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Tips for Homeowners in Ashby
1. Review your sum insured regularly With a building insured at $754,000, it's important to ensure this figure reflects the actual cost to rebuild — not the market value of the property. Construction costs in Perth have risen sharply in recent years, so if your sum insured hasn't been updated in a while, you may be underinsured. Use a building replacement cost calculator or speak to a quantity surveyor if you're unsure.
2. Consider your excess carefully This policy carries a $2,000 building excess and $1,000 contents excess. While higher excesses reduce your premium, they also mean a larger out-of-pocket cost when you make a claim. Make sure you have that amount readily accessible — especially given the pool and solar panels, which can generate sizeable repair bills.
3. Keep your pool and solar panels well maintained Insurers may scrutinise claims related to poorly maintained assets. Ensuring your pool fencing complies with WA regulations and that your solar system is serviced regularly not only reduces risk but also protects your ability to claim without complications.
4. Compare quotes at renewal time Even with a premium this competitive, it's always worth shopping around when your policy comes up for renewal. Insurers regularly reprice their books, and what's cheap today may not be the best deal in 12 months. Use a comparison tool to benchmark your renewal quote against the market.
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Ready to Compare?
Whether you're a homeowner in Ashby or anywhere else in Australia, comparing quotes is one of the simplest ways to make sure you're not overpaying for cover. Get a home insurance quote at CoverClub and see how your premium stacks up against real market data — in seconds, for free.