Baldivis is one of Perth's fastest-growing southern suburbs — a family-friendly pocket of Rockingham that has attracted thousands of new homeowners over the past decade. With that growth comes an increasingly competitive home insurance market, and knowing whether you're paying a fair price can be genuinely tricky. This article breaks down a real home and contents insurance quote for a four-bedroom, double brick free standing home in Baldivis (postcode 6171), comparing it against local, state, and national benchmarks so you can make a more informed decision.
---
Is This Quote Fair?
The quote in question comes in at $1,698 per year (or $169/month) for combined home and contents cover, with a building sum insured of $963,000 and contents valued at $240,000. The building excess is $2,000 and the contents excess sits at $600.
Our price rating for this quote is FAIR — Around Average.
That verdict holds up well under scrutiny. Based on 54 quotes collected for Baldivis, the suburb average sits at $1,754 per year, meaning this quote comes in $56 below the local average — a modest but meaningful saving. It's also comfortably below the suburb's 75th percentile of $2,432, which means roughly three-quarters of comparable Baldivis properties are being quoted at a similar price or higher.
The one nuance worth noting is the suburb median of $1,136 per year. Medians can sometimes reflect a different mix of cover types or lower sums insured, so it's important not to compare apples with oranges. A $963,000 building sum insured is on the higher end for the suburb, which naturally pushes the premium upward. For the level of cover provided, $1,698 is a reasonable outcome.
---
How Baldivis Compares to the Rest of WA and Australia
Context is everything when evaluating an insurance premium. Here's how Baldivis stacks up:
| Benchmark | Annual Premium |
|---|---|
| This Quote | $1,698 |
| Baldivis Suburb Average | $1,754 |
| LGA (Rockingham) Average | $1,618 |
| WA State Average | $2,144 |
| WA State Median | $1,944 |
| National Average | $2,965 |
| National Median | $2,716 |
The numbers tell a clear story. Baldivis homeowners are paying significantly less than the WA state average and are well below the national average. At $1,698, this quote is $446 cheaper than the WA average and a remarkable $1,267 below the national average. For a property with a pool, solar panels, ducted climate control, and a substantial building sum insured, that's a strong result.
The Rockingham LGA average of $1,618 is the only benchmark that comes in lower, suggesting that some properties within the broader council area attract slightly cheaper premiums — possibly reflecting older homes, smaller blocks, or lower sums insured in other parts of Rockingham.
Western Australia as a whole tends to fare better than the national average on home insurance costs, largely because the state doesn't face the same frequency of severe flooding events or cyclone risk that drives up premiums in Queensland and parts of northern WA. Baldivis specifically sits outside designated cyclone risk zones, which is a meaningful factor in keeping costs down.
---
Property Features That Affect Your Premium
Several characteristics of this property influence where the premium lands — some favourably, others less so.
Double Brick Construction Double brick is widely regarded as one of the most resilient wall materials available in Australian residential construction. Insurers generally view it favourably because it offers strong resistance to fire, wind, and impact. Compared to lightweight cladding or weatherboard, double brick homes often attract lower premiums, all else being equal.
Colorbond Steel Roof Steel roofing (including Colorbond) is durable, fire-resistant, and low-maintenance — all qualities that insurers appreciate. It performs well in high-wind conditions and is unlikely to be a premium-loading factor for this property.
Slab Foundation A concrete slab is a stable, low-risk foundation type. Unlike suspended timber floors, slabs are not susceptible to termite damage or moisture-related subsidence in the same way, which reduces certain categories of structural risk.
Swimming Pool A pool adds to the replacement cost of the property and contributes to a higher building sum insured, which flows through to a higher premium. It also introduces liability considerations. Homeowners with pools should ensure their policy clearly covers pool-related structures and equipment.
Solar Panels Solar panels are typically covered under building insurance, but it's worth confirming this with your insurer. As panels become more common, most major insurers now include them as standard under the building definition — but the value of the system should be factored into your sum insured to avoid being underinsured.
Ducted Climate Control Ducted air conditioning is a significant fixed asset that forms part of the building. Its inclusion in the building sum insured is appropriate and correct — just ensure the replacement cost reflects current market prices, which have risen considerably in recent years.
2012 Build Year A home built in 2012 benefits from modern building codes, including improved cyclone and wind-resistance standards introduced in WA in the mid-2000s. This relatively recent construction date is generally viewed positively by underwriters.
---
Tips for Homeowners in Baldivis
1. Review Your Building Sum Insured Annually Construction costs in Perth have risen sharply since 2020. A sum insured of $963,000 for a 214 sqm double brick home is substantial, but it's worth checking against current builder's rates in your area each year. Being underinsured at claim time can leave you significantly out of pocket.
2. Confirm Solar Panels Are Covered Ask your insurer specifically whether your solar system is included under the building definition and whether the full replacement value of the panels and inverter is accounted for. Some policies cap coverage or exclude panels unless explicitly declared.
3. Don't Overlook Your Contents Excess The $600 contents excess on this policy is relatively modest, which is useful for smaller claims. However, if you're comfortable self-insuring smaller losses, raising the excess can reduce your annual premium — sometimes by more than you'd expect.
4. Compare at Renewal Time Insurance loyalty rarely pays. Premiums can shift meaningfully from year to year, and insurers sometimes offer better rates to new customers than to existing ones. Use renewal time as a prompt to run a fresh comparison — it only takes a few minutes and can save hundreds of dollars.
---
Ready to Compare Home Insurance in Baldivis?
Whether you're a first-time buyer or a long-term Baldivis resident, it pays to know what the market looks like before you commit to a policy. CoverClub aggregates real quote data from across Australia so you can see exactly how your premium stacks up. Get a home insurance quote today and find out if you're getting the best deal available for your property.