If you own a free standing home in Atwell, WA 6164, you've probably wondered whether your home insurance premium is competitive — or whether you're quietly paying more than you should. This article breaks down a real home and contents insurance quote for a seven-bedroom property in Atwell, comparing it against local, state-wide, and national benchmarks so you can make a more informed decision at renewal time.
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Is This Quote Fair?
The annual premium for this quote comes in at $2,478 per year (or $238/month), covering both building and contents with a sum insured of $1,063,000 on the building and $104,000 on contents. Both the building and contents excess are set at $2,000.
Our price rating for this quote is Expensive — Above Average.
To put that in context: the average home and contents premium across Atwell sits at $1,552 per year, with a median of $1,449. This quote lands well above the suburb's 75th percentile of $2,047, meaning it's pricier than roughly three-quarters of comparable quotes in the area.
That said, "expensive" doesn't automatically mean "wrong." A seven-bedroom home is significantly larger than the typical Atwell property, and the building sum insured of over $1 million reflects a substantial replacement cost. Larger, higher-value homes naturally attract higher premiums — the key question is whether the rate itself is competitive for a property of this size and specification.
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How Atwell Compares
Understanding where your premium sits relative to broader benchmarks is one of the most useful things you can do when reviewing your insurance costs. Here's how this quote stacks up:
| Benchmark | Premium |
|---|---|
| This quote | $2,478/yr |
| Atwell suburb average | $1,552/yr |
| Atwell suburb median | $1,449/yr |
| Atwell 75th percentile | $2,047/yr |
| LGA (Cockburn) average | $1,739/yr |
| WA state average | $2,811/yr |
| WA state median | $2,127/yr |
| National average | $5,347/yr |
| National median | $2,764/yr |
A few things stand out here. First, while the quote is above the Atwell suburb average, it actually sits below the WA state average of $2,811 and well below the national average of $5,347. That's worth noting — Western Australia as a whole tends to attract higher premiums than many people expect, driven in part by the elevated rebuild costs and weather-related risks across the state.
You can explore the full breakdown of premiums for Atwell on the Atwell suburb stats page, compare it with WA-wide insurance data, or see how it measures up against national home insurance averages.
It's also worth noting that the Atwell sample size used for comparison is 33 quotes — a reasonable dataset for a suburban postcode, though a larger sample would give even greater confidence in those averages.
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Property Features That Affect Your Premium
Several characteristics of this property have a meaningful influence on the premium quoted. Here's a breakdown of the key factors at play:
Size and Bedrooms
At seven bedrooms and 214 sqm, this is a large home by any measure. More floor area means more materials and labour to rebuild, which pushes the sum insured — and therefore the premium — higher. The $1,063,000 building sum insured reflects this reality.
Double Brick Construction
Double brick is one of the most durable and fire-resistant wall materials available in Australia. Insurers generally view it favourably, as it reduces the risk of structural damage from fire and some weather events. This construction type can work in your favour when it comes to pricing.
Tiled Roof
Terracotta or concrete tile roofs are considered low-to-moderate risk by most insurers. They're durable, relatively fire-resistant, and long-lasting — all positives from an underwriting perspective.
Slab Foundation
A concrete slab foundation is standard across much of suburban Perth and is generally considered a neutral-to-positive risk factor. It's less susceptible to subsidence or pest damage compared to some other foundation types.
Swimming Pool
A pool adds value to the property but also introduces additional liability and maintenance considerations. Some insurers factor pool ownership into their pricing, particularly when it comes to contents and liability coverage.
Solar Panels
With solar panels installed on the roof, there's an added layer of complexity for insurers. Panels represent a significant asset (often worth $5,000–$15,000+), and damage from storms, hail, or fire needs to be accounted for. It's worth confirming with your insurer whether your solar system is explicitly covered under your building policy.
No Cyclone Risk
Atwell falls outside designated cyclone risk zones — a meaningful premium advantage compared to properties in northern WA. Cyclone-rated premiums can be substantially higher, so this is a genuine cost saving for Atwell homeowners.
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Tips for Homeowners in Atwell
1. Check Your Building Sum Insured Annually
Construction costs have risen sharply in recent years across Perth and WA broadly. Make sure your sum insured reflects current rebuild costs — not what it cost to build the home in 1996. Underinsurance is one of the most common and costly mistakes homeowners make.
2. Confirm Solar Panel Coverage
Ask your insurer explicitly whether your solar panels are covered under the building policy, and for how much. Some policies include them automatically; others require an endorsement. Given the investment involved, this is worth a five-minute phone call.
3. Review Your Excess Setting
This quote carries a $2,000 excess on both building and contents. A higher excess typically reduces your premium. If you have the financial buffer to absorb a larger out-of-pocket cost in a claim, experimenting with a higher excess could bring your annual premium down.
4. Compare Quotes at Renewal
The most effective way to ensure you're not overpaying is to compare multiple quotes before your policy renews. Insurers price risk differently, and a property like this — large, double brick, tiled roof, no cyclone risk — may be priced more competitively by some providers than others.
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Ready to Find a Better Deal?
If this quote has you questioning whether you're getting value for money, the good news is that comparing your options has never been easier. Head to CoverClub to get a home and contents insurance quote tailored to your Atwell property — and see how different insurers price a home like yours side by side.