Ballajura is a well-established suburb in Perth's north-eastern corridor, sitting within the City of Swan and offering the kind of solid, family-friendly housing stock that insurers generally regard favourably. This article takes a close look at a real home and contents insurance quote for a five-bedroom, double brick free standing home in Ballajura (postcode 6066) — breaking down whether the price stacks up, how local risk factors shape the premium, and what homeowners in the area can do to keep costs in check.
---
Is This Quote Fair?
The quoted annual premium of $1,752 (or roughly $171 per month) covers both building and contents, with a building sum insured of $667,000 and contents valued at $100,000. The building excess sits at $2,000 and the contents excess at $600.
Our pricing analysis rates this quote as Fair — Around Average. That's a reasonable outcome for a property of this size and specification, though it's worth unpacking exactly what "around average" means in context.
Compared to the Ballajura suburb average of $1,299 per year, this quote comes in noticeably higher — about 35% above the local mean. However, it's important to remember that averages can be skewed by smaller properties with lower sums insured. A five-bedroom home with a $667,000 building cover, a swimming pool, solar panels, and ducted climate control is a more complex risk than a typical three-bedroom quote in the same street, so a higher-than-average premium is entirely expected.
The quote also sits comfortably within the suburb's interquartile range — between the 25th percentile ($811/yr) and the 75th percentile ($1,890/yr) — which reinforces the "fair" rating. You're not being overcharged relative to what comparable Ballajura properties are attracting.
---
How Ballajura Compares
One of the most striking takeaways from this data is just how competitively priced Perth's northern suburbs are relative to the rest of the country.
| Benchmark | Average Premium |
|---|---|
| Ballajura (suburb) | $1,299/yr |
| City of Swan (LGA) | $1,663/yr |
| Western Australia | $2,144/yr |
| National | $2,965/yr |
At $1,752, this quote sits below the [WA state average of $2,144](https://coverclub.com.au/stats/WA) and well below the [national average of $2,965](https://coverclub.com.au/stats/national). Homeowners in coastal Queensland, flood-prone parts of NSW, or cyclone-affected regions of northern WA routinely pay significantly more for equivalent cover.
Ballajura benefits from its inland location — it carries no cyclone risk rating, sits away from major flood plains, and doesn't face the bushfire exposure of Perth's outer fringe suburbs. These geographic advantages flow directly into more competitive premiums, and this quote reflects that.
The City of Swan LGA average of $1,663 provides another useful reference point. This quote exceeds the LGA average, but again, the property's size, age, and additional features (pool, solar, ducted air) justify the difference.
---
Property Features That Affect Your Premium
Several characteristics of this property have a meaningful influence on what insurers charge. Here's how they play out:
Double Brick Construction Double brick is widely regarded as one of the most insurable wall types in Australia. It's durable, fire-resistant, and holds up well in storms. Insurers tend to price double brick homes more favourably than those with lightweight cladding or weatherboard, so this works in the homeowner's favour.
Tiled Roof Terracotta or concrete tiles are a standard, well-understood roofing material for insurers. They perform reliably in most weather conditions and don't attract the loading that some alternative materials (such as older fibro or corrugated iron) might.
Construction Year: 1985 A home built in 1985 is now over 40 years old. While double brick construction ages gracefully, insurers do factor in the age of a property when assessing the likelihood of claims related to plumbing, electrical systems, and structural wear. This can add a modest upward pressure on premiums compared to a newly built equivalent.
Swimming Pool Pools add to the replacement cost of the property and introduce liability considerations, both of which contribute to a higher building sum insured and, consequently, a higher premium.
Solar Panels Solar systems are now a standard inclusion on many Perth homes, but they do add to the insured value of the building. Roof-mounted panels can also be damaged in hailstorms or high winds, making them a legitimate pricing factor.
Ducted Climate Control Ducted systems are expensive to repair or replace and are included in the building sum insured. Their presence supports the higher-than-suburb-average building valuation of $667,000.
Slab Foundation & Timber/Laminate Flooring A concrete slab is a low-risk foundation type in Perth's predominantly stable soil conditions. Timber and laminate flooring, however, can be more susceptible to water damage than tiles — something worth keeping in mind when reviewing your contents and building policy inclusions around escape of liquid events.
---
Tips for Homeowners in Ballajura
1. Review Your Building Sum Insured Regularly With construction costs rising steadily across Perth, the cost to rebuild a 325 sqm double brick home has increased significantly in recent years. Make sure your $667,000 sum insured reflects current builder rates — underinsurance is one of the most common and costly mistakes homeowners make. Tools like the Cordell Sum Sure calculator can help you check your figure.
2. Consider Raising Your Excess to Lower Your Premium The $2,000 building excess on this policy is already moderately high, which helps keep the premium down. If you have a financial buffer and rarely make small claims, asking your insurer about a higher excess tier could reduce your annual cost further.
3. Bundle and Loyalty-Check Home and contents policies bundled together (as this one is) typically attract a discount compared to buying them separately. That said, loyalty doesn't always pay — insurers often offer their best rates to new customers. It's worth getting a fresh comparison at renewal time rather than simply auto-renewing.
4. Document Your Contents and Pool Equipment With $100,000 in contents cover, make sure you have an up-to-date home inventory. This is especially relevant for pool equipment (pumps, heating systems, automated covers) and solar inverter systems, which can be expensive to replace and may need to be specifically listed to be fully covered.
---
Compare Your Options with CoverClub
Whether you're reviewing an existing policy or shopping for cover on a new property, it pays to see the full market picture. CoverClub makes it easy to compare home and contents insurance quotes for Ballajura and across Western Australia — so you can be confident you're getting the right cover at a competitive price. Enter your address to get started.