Baldivis is one of Perth's fastest-growing southern suburbs, and with that growth comes a wave of modern family homes — and the very real need to protect them. 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, WA 6171, breaking down whether the premium is fair, how it stacks up against local and national benchmarks, and what homeowners in the area can do to get better value.
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Is This Quote Fair?
The quote in question comes in at $2,327 per year (or $223/month) for combined home and contents cover, with a building sum insured of $715,000 and contents valued at $158,000. Both the building and contents excesses are set at $1,000.
Our price rating for this quote is Expensive (Above Average) — and the data backs that up. Based on a sample of 140 quotes from the Baldivis area, the suburb average sits at $1,821/yr and the median at $1,708/yr. This quote lands above the 75th percentile for the suburb, which is $2,322/yr, meaning it's pricier than roughly three-quarters of comparable quotes in the area.
That said, context matters. The sum insured here is substantial — $715,000 for the building alone — and the property includes a pool, solar panels, and ducted climate control, all of which add to the insurer's risk exposure. It's not an apples-to-apples comparison with every other quote in the suburb, many of which may cover smaller homes with fewer features.
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How Baldivis Compares
To get a true sense of where this quote sits, it helps to zoom out and look at the broader picture.
| Benchmark | Premium |
|---|---|
| This Quote | $2,327/yr |
| Baldivis Suburb Average | $1,821/yr |
| Baldivis Suburb Median | $1,708/yr |
| Baldivis 25th Percentile | $1,166/yr |
| Baldivis 75th Percentile | $2,322/yr |
| Rockingham LGA Average | $1,561/yr |
| WA State Average | $2,811/yr |
| WA State Median | $2,127/yr |
| National Average | $5,347/yr |
| National Median | $2,764/yr |
Compared to Western Australia as a whole, this quote is actually below the state average of $2,811/yr and sits comfortably beneath the national average of $5,347/yr — which is heavily skewed upward by high-risk regions like Far North Queensland and parts of Northern Australia prone to cyclones and flooding.
Within the Rockingham LGA, the average is just $1,561/yr, which makes this quote look noticeably higher — though again, the size and features of this particular property are likely driving that gap.
The takeaway? While this quote is above average for Baldivis, it's not out of step with what you'd expect for a well-appointed, larger-than-average home in the area. Still, there's likely room to shop around.
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Property Features That Affect Your Premium
Several characteristics of this property have a direct bearing on the premium. Understanding them can help you make smarter decisions when reviewing your cover.
Double Brick Construction
Double brick is generally viewed favourably by insurers. It's durable, fire-resistant, and holds up well in storms. Homes with double brick walls often attract lower premiums than those with timber or lightweight cladding, so this is working in the homeowner's favour.
Tiled Roof
Terracotta and concrete tile roofs are considered solid and weather-resistant, which is a positive from an insurer's perspective. They're less susceptible to wind damage than corrugated iron in moderate conditions, though they can crack under impact.
Slab Foundation
A concrete slab foundation is standard for homes of this era in WA and doesn't typically raise any red flags for insurers. It's a neutral factor in most premium calculations.
Swimming Pool
A pool adds both value and risk. It increases the replacement cost of the property and can also introduce liability considerations. Expect it to contribute modestly to a higher premium.
Solar Panels
Solar systems are increasingly common on Perth homes, but they do add to the insured value of the building. A quality solar installation can cost $8,000–$20,000 or more to replace, and insurers factor this into their calculations. Make sure your sum insured reflects the current replacement value of your panels.
Ducted Climate Control
Ducted air conditioning is another high-value fixture that increases the cost to rebuild or repair the home. Like solar panels, it's worth confirming it's adequately covered under your building sum insured.
Building Size: 214 sqm
At 214 square metres, this is a larger-than-average home for the suburb. A bigger footprint means higher rebuild costs, which directly influences the building sum insured — and therefore the premium.
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Tips for Homeowners in Baldivis
1. Review Your Sum Insured Annually
Construction costs in WA have risen sharply over the past few years. If your building sum insured hasn't been updated recently, you may be underinsured — or conversely, over-insured and paying more than necessary. Use a building cost calculator or speak with a quantity surveyor to get an accurate figure.
2. Compare Multiple Quotes
This quote sits above the 75th percentile for Baldivis. That's a signal worth acting on. Different insurers price risk very differently, and shopping around could save you hundreds of dollars per year without sacrificing cover quality. Get a comparison quote at CoverClub to see what else is available for your property.
3. Consider Your Excess Level
A $1,000 excess is fairly standard, but increasing your excess — say, to $1,500 or $2,000 — can meaningfully reduce your annual premium. Just make sure you're comfortable covering that amount out of pocket if you ever need to make a claim.
4. Bundle Your Home and Contents Cover
This quote already combines home and contents, which is smart. Many insurers offer a discount when you package both policies together. If you're currently holding them separately, consolidating could reduce your overall cost.
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Ready to Find a Better Deal?
Whether you're happy with your current insurer or looking for something more competitive, it pays to compare. CoverClub makes it easy to see how your premium stacks up and find cover that suits your home and budget. Start a free quote comparison today — it only takes a few minutes and could save you a significant amount at renewal time.
For more localised data on home insurance costs in your area, visit the Baldivis suburb stats page or explore WA-wide insurance trends.