Baldivis is one of Perth's fastest-growing southern suburbs, and with that growth comes a steady stream of homeowners asking the same question: am I paying a fair price for home insurance? This article takes a close look at a real home and contents insurance quote for a four-bedroom, double brick free standing home in Baldivis (postcode 6171) — breaking down what the numbers mean, how local and national benchmarks compare, and what you can do to make sure you're not overpaying.
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Is This Quote Fair?
The quote in question comes in at $1,542 per year (or around $151 per month) for combined home and contents cover, with a building sum insured of $922,000 and contents valued at $70,000. The building excess sits at $2,000, and the contents excess at $600.
CoverClub's pricing analysis rates this quote as Fair — Around Average. That's a reasonable result, but it's worth understanding exactly what "average" means in context before accepting it at face value.
The suburb average for Baldivis sits at $1,754 per year, so this quote is already tracking $212 below what many local homeowners are paying. Compared to the Western Australian state average of $2,144 per year, the saving grows to over $600 annually. And when measured against the national average of $2,965 per year, this quote looks genuinely competitive — coming in nearly $1,400 cheaper than what Australians pay on average across the country.
That said, "Fair" doesn't mean "the best available." There's still meaningful room to shop around, particularly given that the suburb's 25th percentile sits at $944 per year — suggesting that well-priced policies for comparable homes in Baldivis can be found for significantly less.
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How Baldivis Compares
To put the numbers in full perspective, here's how this quote stacks up across different benchmarks:
| Benchmark | Annual Premium |
|---|---|
| This Quote | $1,542 |
| Baldivis Suburb Average | $1,754 |
| Baldivis Suburb Median | $1,136 |
| Baldivis 25th Percentile | $944 |
| Baldivis 75th Percentile | $2,432 |
| Rockingham LGA Average | $1,618 |
| WA State Average | $2,144 |
| National Average | $2,965 |
(Based on 54 quotes analysed for the Baldivis area. View full [Baldivis suburb insurance stats](https://coverclub.com.au/stats/WA/6171/baldivis), [WA state data](https://coverclub.com.au/stats/WA), or [national benchmarks](https://coverclub.com.au/stats/national).)
A few things stand out here. The gap between the suburb average ($1,754) and the suburb median ($1,136) is quite wide, which tells us that a handful of higher-priced quotes are pulling the average upward. This is common in suburbs with a mix of newer large homes and older, smaller properties — Baldivis fits that profile well given its rapid residential development over the past decade.
The Rockingham LGA average of $1,618 provides useful local context too. This quote sits below that figure, which is a positive sign that the insurer has priced the property reasonably within its immediate geographic risk environment.
Western Australia as a whole tends to price home insurance lower than the eastern states, partly due to lower flood risk in many metropolitan areas and the absence of cyclone loading for Perth suburbs. WA homeowners generally fare better than the national average, and Baldivis is a good example of that trend.
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Property Features That Affect Your Premium
Several characteristics of this property play a direct role in how insurers price the risk — for better and for worse.
Double Brick Construction Double brick is widely regarded by insurers as one of the most resilient wall types available in Australia. It offers excellent fire resistance, strong structural integrity, and performs well in high-wind events. Homes built with double brick typically attract lower premiums than those with lightweight cladding or timber frames, and this property benefits accordingly.
Tiled Roof Concrete or terracotta tiles are considered a durable, low-risk roofing material. They hold up well against ember attack during bushfire season and are less susceptible to wind damage than corrugated iron in most conditions. Combined with double brick walls, this home presents a solid risk profile from a construction standpoint.
Built in 2011 on a Slab Foundation A 2011 build is relatively modern — old enough to have settled well, but young enough to have been constructed under contemporary building codes. Slab foundations are standard in Perth's southern suburbs and are generally viewed as stable and low-maintenance, which insurers tend to price favourably.
Swimming Pool Pools add value to a property but also introduce liability considerations. Most insurers factor pool ownership into their pricing, both for the structure itself and for the public liability component of a home policy. It's worth confirming that your policy explicitly covers pool-related incidents.
Solar Panels Solar panels are increasingly common in Perth, given the city's exceptional sunshine hours. However, they do add to the replacement cost of a home, and some insurers treat them as a separate item. Make sure your building sum insured accounts for the full replacement value of your solar system — underinsurance is a real risk here.
Above-Average Fittings With above-average fittings quality, the $922,000 building sum insured reflects the higher cost of replacing quality fixtures, flooring, and finishes. Vinyl flooring throughout is a practical, cost-effective choice that won't significantly inflate replacement costs, but the overall fittings standard means the sum insured needs to be kept accurate and up to date.
No Cyclone Risk Baldivis falls outside designated cyclone risk zones, which is a meaningful premium advantage compared to properties in northern WA. Cyclone loading can add hundreds of dollars to annual premiums, so this is a genuine saving for Perth metro homeowners.
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Tips for Homeowners in Baldivis
1. Don't anchor to the average — aim for the 25th percentile The fact that some Baldivis homeowners are paying as little as $944 per year for comparable cover means the market has room to move. Use the suburb benchmarks as a target, not just a reference point. Comparing multiple quotes is the most reliable way to find where the competitive pricing actually sits for your specific property.
2. Review your building sum insured annually Construction costs in Perth have risen sharply in recent years. If your sum insured hasn't kept pace with current rebuild costs — which for a 214 sqm double brick home can easily exceed $900,000 — you risk being underinsured at claim time. Ask your insurer how they calculate the replacement value, and consider an independent building valuation if you haven't had one recently.
3. Check how your solar panels and pool are covered These two features are often sources of confusion in home insurance policies. Confirm whether your solar panels are covered under the building section, whether there's a cap on their replacement value, and what liability coverage applies to your pool. Small gaps in coverage can have large financial consequences.
4. Consider your excess settings carefully This quote carries a $2,000 building excess — a relatively high threshold. While a higher excess generally reduces your premium, it also means more out-of-pocket costs if you do need to claim. Review whether the premium saving justifies the excess level, particularly for a home with a high sum insured and premium fittings.
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Compare Your Options with CoverClub
Whether you're renewing your policy or shopping for the first time, comparing quotes is the single most effective step you can take to avoid overpaying. CoverClub makes it easy to see how your premium stacks up against real data from your suburb and state — and to find cover that genuinely fits your property.
Get a home insurance quote for your Baldivis property today and see how your current premium compares.