Baldivis is one of Perth's fastest-growing southern suburbs — a family-friendly pocket of Rockingham known for its modern estates, wide streets, and relatively new housing stock. If you own a four-bedroom free standing home here, you're likely sitting on a significant asset, and making sure it's properly protected is well worth the attention. This article breaks down a real home and contents insurance quote for a property in Baldivis (WA 6171), rated Fair (Around Average), and puts the numbers into context so you can make a more informed decision.
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Is This Quote Fair?
The annual premium on this quote comes in at $1,610 per year (or roughly $157 per month), covering a building sum insured of $896,000 and $300,000 in contents — a solid level of cover for a well-appointed four-bedroom home.
So is $1,610 a good deal? The short answer: it's reasonable, but not a standout bargain.
Our pricing engine has rated this quote as Fair — Around Average, which means it's competitive without being the cheapest option on the market. For homeowners who value the specific features of this policy (insurer reputation, coverage inclusions, excess structure), this price point is defensible. But there's likely room to do better with some targeted comparison shopping.
It's worth noting the excess structure: a $2,000 building excess is on the higher side and would significantly affect out-of-pocket costs in the event of a claim. The $600 contents excess is more typical. Higher excesses generally reduce premiums, so if you're comparing quotes, make sure you're comparing like-for-like on excess levels — a cheaper premium with a $3,000 excess isn't always the better deal.
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How Baldivis Compares
To understand whether this quote represents good value, it helps to zoom out and look at the broader market. Here's how the $1,610 annual premium stacks up across different reference points:
| Benchmark | Premium |
|---|---|
| This Quote | $1,610/yr |
| Baldivis Suburb Average | $1,754/yr |
| Baldivis Suburb Median | $1,136/yr |
| Baldivis 25th Percentile | $944/yr |
| Baldivis 75th Percentile | $2,432/yr |
| LGA (Rockingham) Average | $1,618/yr |
| WA State Average | $2,144/yr |
| WA State Median | $1,944/yr |
| National Average | $2,965/yr |
| National Median | $2,716/yr |
(Based on 54 quotes collected for the Baldivis area. See full [Baldivis suburb insurance stats](https://coverclub.com.au/stats/WA/6171/baldivis), [WA state stats](https://coverclub.com.au/stats/WA), and [national stats](https://coverclub.com.au/stats/national).)
A few things stand out here. At $1,610, this quote sits below the Baldivis suburb average of $1,754 and almost exactly on par with the Rockingham LGA average of $1,618 — a reassuring sign that the insurer is pricing this property consistently with the local market.
Compared to the broader state and national picture, Baldivis homeowners are faring quite well. The WA state average of $2,144 and the national average of $2,965 are both significantly higher, reflecting the impact of higher-risk regions (cyclone-prone areas in WA's north, flood zones in Queensland and NSW) pulling those figures up.
However, it's important to note that the suburb median of $1,136 is notably lower than this quote. That gap suggests there are cheaper options available in Baldivis — the 25th percentile sits at just $944. Whether those lower-cost policies offer comparable cover is the key question, and one worth investigating before switching purely on price.
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Property Features That Affect Your Premium
Every property tells its own underwriting story, and this one has several features that directly influence the premium calculation.
Double Brick Construction Double brick walls are generally viewed favourably by insurers. They're robust, fire-resistant, and durable — characteristics that reduce the likelihood of major structural damage. This construction type is common in WA and tends to attract more competitive premiums compared to lightweight or timber-framed homes.
Steel/Colorbond Roof A Colorbond steel roof is another tick in the right box. It's resistant to corrosion, performs well in high winds, and has a long service life. Insurers typically price these more favourably than older tile roofs, which can crack, leak, or dislodge in storms.
Slab Foundation Concrete slab foundations are standard in newer WA homes and present minimal subsidence risk compared to older strip or pier foundations. This contributes to a stable risk profile.
Built in 2012 At just over a decade old, this home sits in a sweet spot for insurers — modern enough to meet current building codes (which significantly improved after 2010 in WA), but not so new that replacement cost estimates are uncertain. Newer homes tend to attract lower premiums than older properties requiring more maintenance.
Swimming Pool A pool adds liability exposure and increases the overall replacement cost of the property, which can nudge premiums upward. It's important to ensure the pool and associated fencing are included in your building sum insured.
Solar Panels Solar panels are a valuable asset and, importantly, they need to be covered. Many standard policies include panels as part of the building, but it's worth confirming this explicitly. Damage to panels from storms or hail can be costly to repair or replace.
Ducted Climate Control Ducted air conditioning is a significant fixed installation that adds to the building's replacement value. At 214 sqm, this is a well-sized home, and ensuring the sum insured accurately reflects the cost to rebuild — including all fixtures and systems — is critical.
No Cyclone Risk Baldivis sits outside designated cyclone risk zones, which is a meaningful premium advantage compared to properties in WA's Pilbara or Kimberley regions where cyclone loadings can dramatically increase costs.
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Tips for Homeowners in Baldivis
1. Double-check your building sum insured At $896,000, the building sum insured on this quote is substantial — but is it enough? Construction costs in Perth have risen sharply in recent years. Use a building cost calculator or speak with a quantity surveyor to verify your rebuild estimate. Being underinsured is one of the most common and costly mistakes homeowners make.
2. Review your contents figure carefully $300,000 in contents cover is a reasonable starting point for a four-bedroom home with standard fittings, but it's easy to underestimate. Walk through each room and consider furniture, appliances, clothing, jewellery, and electronics. Many homeowners are surprised by how quickly the total climbs.
3. Compare quotes with matching excess levels When shopping around, ensure you're comparing policies with the same excess structure. A $2,000 building excess on this quote is relatively high — you may find policies with a $1,000 excess at a similar or only marginally higher premium, which could save you significantly in the event of a claim.
4. Ask about discounts for security and safety features Some insurers offer premium discounts for homes with monitored alarm systems, deadbolts, or security screens. If your home has these features, make sure your insurer knows — it could make a difference to your rate.
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Ready to Compare?
Whether you're happy with your current policy or looking for a better deal, it pays to see what else is out there. CoverClub makes it easy to compare home and contents insurance quotes tailored to your property in Baldivis. Get a quote today and find out if you could be paying less — without sacrificing the cover you need.