Ballajura is a well-established residential suburb in Perth's north-eastern corridor, sitting within the City of Swan local government area. Known for its family-friendly streets, good school catchments, and a mix of brick homes built largely from the 1980s through to the early 2000s, it's a suburb where home insurance is a genuine consideration for most owners. This article breaks down a recent home and contents insurance quote for a four-bedroom, double brick free standing home in Ballajura — and puts the numbers into context so you can judge whether the price stacks up.
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Is This Quote Fair?
The quote in question comes in at $2,479 per year (or $238/month) for a combined home and contents policy. The building is insured for $945,000, with contents covered for $50,000, and both the building and contents excess are set at $1,000.
Our price rating for this quote is Expensive — above the suburb average. That's not necessarily a red flag on its own, but it does warrant a closer look.
To put it plainly: at $2,479/yr, this quote sits well above the Ballajura suburb average of $1,487/yr and the suburb median of $1,439/yr. It also exceeds the suburb's 75th percentile of $1,869/yr — meaning this quote is pricier than at least three-quarters of comparable quotes we've seen for the area. For a homeowner in Ballajura, that's a meaningful gap worth investigating.
That said, context matters. The sum insured of $945,000 for the building is on the higher end, and a larger insured value will naturally push the premium up. If nearby homes are being insured for $600,000–$750,000, a direct comparison of raw premiums won't tell the whole story. Still, even accounting for the higher building sum, the premium deserves scrutiny — and shopping around is strongly advisable.
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How Ballajura Compares
Understanding where Ballajura sits in the broader insurance landscape helps homeowners calibrate expectations. Here's a snapshot:
| Benchmark | Premium |
|---|---|
| Ballajura suburb average | $1,487/yr |
| Ballajura suburb median | $1,439/yr |
| Ballajura 25th percentile | $900/yr |
| Ballajura 75th percentile | $1,869/yr |
| WA state average | $2,811/yr |
| WA state median | $2,127/yr |
| City of Swan LGA average | $4,057/yr |
| National average | $5,347/yr |
| National median | $2,764/yr |
(Based on 48 quotes sampled for the Ballajura area. [View full Ballajura suburb stats](https://coverclub.com.au/stats/WA/6066/ballajura).)
A few things stand out here. First, Ballajura is actually a relatively affordable suburb to insure compared to the broader WA market and the nation as a whole. The suburb average of $1,487/yr is comfortably below the WA state average of $2,811/yr and dramatically lower than the national average of $5,347/yr — a figure heavily influenced by high-risk areas in Queensland, Northern Territory, and cyclone-prone coastal regions.
The City of Swan LGA average of $4,057/yr is notably higher than the Ballajura suburb average, which suggests that other suburbs within Swan carry significantly more risk (or higher insured values) than Ballajura itself.
For this particular quote at $2,479/yr, the homeowner is paying above the suburb norm but still below the WA state average — a nuance worth keeping in mind.
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Property Features That Affect Your Premium
Several characteristics of this property will be influencing the quoted premium, both positively and negatively.
Double Brick Construction
Double brick is widely regarded as one of the most resilient wall materials in Australia. It offers strong resistance to fire, wind, and general wear — and insurers typically view it favourably. Homes built with double brick often attract lower structural risk premiums compared to brick veneer or timber-framed alternatives.
Tiled Roof
Terracotta or concrete tile roofs are a standard and well-regarded choice in Perth. They're durable, fire-resistant, and broadly accepted by insurers without loading. This is unlikely to be a cost driver in this quote.
Slab Foundation
A concrete slab foundation is the norm for homes of this era in Western Australia, and it's generally considered low-risk from an insurer's perspective — no subfloor space means reduced exposure to moisture ingress or pest damage.
Swimming Pool
A pool adds both value and liability to a property. From an insurance standpoint, pools can modestly increase premiums due to the replacement cost of pool infrastructure (fencing, pumps, filtration systems) and potential liability considerations. Homeowners should confirm their policy explicitly covers pool-related structures.
Solar Panels
Solar panels are increasingly common on Perth homes given the city's exceptional sunshine hours. However, they do add to the replacement cost of the building and may require specific coverage under the policy. At 214 sqm, this home has a reasonable roof footprint for a standard residential solar array, and ensuring the panels are listed under the building sum insured is important.
Ducted Climate Control
Ducted air conditioning is a significant fixture in Perth homes — summers demand it. Ducted systems are expensive to replace (often $10,000–$20,000+ for a full home), and their inclusion in the building sum insured is appropriate. This likely contributes to the higher building coverage amount of $945,000.
1999 Construction
A home built in 1999 is now over 25 years old. While double brick ages well, insurers may factor in the age of electrical systems, plumbing, and roofing materials when pricing risk. It's worth ensuring the building sum insured reflects current replacement costs, including labour and materials at today's prices.
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Tips for Homeowners in Ballajura
1. Review your building sum insured carefully At $945,000, the building sum insured is substantial. Make sure this figure reflects a current quantity surveyor estimate or a reliable online rebuild calculator — not just the market value of the property. Over-insuring inflates your premium unnecessarily, while under-insuring can leave you exposed at claim time.
2. Compare at least three quotes This quote sits above the Ballajura suburb average. With 48 quotes in our dataset ranging from $900/yr at the 25th percentile to $1,869/yr at the 75th, there's clearly significant variation in what insurers charge for similar properties in this postcode. Use a comparison tool to see what else is available. Get a quote at CoverClub to start comparing.
3. Check your pool and solar panel coverage Both features add replacement value to your property. Confirm with your insurer that pool equipment and solar panels are explicitly covered under your policy — and that they're factored into your building sum insured. Some policies treat solar panels as a separate item or apply specific sub-limits.
4. Ask about discounts for security features Ballajura is a low-to-moderate risk suburb for crime, but insurers still reward homes with deadbolts, alarm systems, and security screens. If you've invested in home security, make sure your insurer knows — it could reduce your premium.
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Compare Your Home Insurance Today
Whether you're renewing your policy or shopping for the first time, it pays to compare. Premiums for similar homes in Ballajura vary by hundreds of dollars per year, and the right cover at the right price is out there. Visit CoverClub to compare home and contents insurance quotes for your Ballajura property — it takes just a few minutes and could save you a significant amount at renewal time. You can also explore Ballajura suburb insurance data and WA state benchmarks to see how your current quote measures up.