Nestled along the northern coastal corridor of Perth, Burns Beach is one of Western Australia's most sought-after suburban addresses. With its proximity to pristine Indian Ocean beaches, excellent schools, and modern housing stock, it's no surprise that well-built family homes are common here. This article breaks down a real home and contents insurance quote for a four-bedroom, two-bathroom free-standing home in Burns Beach (postcode 6028) — and examines whether the price stacks up against what other homeowners are paying locally, across WA, and nationally.
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Is This Quote Fair?
The short answer: yes — and then some.
This property received an annual premium of $1,684 (or roughly $167 per month) for combined home and contents cover, with a building sum insured of $718,000 and contents valued at $124,000. Our pricing engine rates this as CHEAP — Below Average, meaning it sits well beneath what most comparable properties in the area are paying.
To put that in perspective, the suburb average for Burns Beach sits at $3,431 per year, with a median of $3,015. Even the cheapest quarter of quotes in the suburb (the 25th percentile) comes in at $2,811 — still $1,127 more than this quote. In other words, this homeowner is paying less than the most competitive quotes in the neighbourhood, which is a genuinely strong result.
It's worth noting that the suburb sample includes 11 quotes, so while the dataset is modest, the gap between this premium and the local average is substantial enough to be meaningful. This isn't a marginal saving — it's a significant one.
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How Burns Beach Compares
Understanding your premium in isolation only tells part of the story. Context matters.
| Benchmark | Annual Premium |
|---|---|
| This Quote | $1,684 |
| Burns Beach Suburb Average | $3,431 |
| Burns Beach Suburb Median | $3,015 |
| Burns Beach 25th Percentile | $2,811 |
| LGA (Joondalup) Average | $2,112 |
| WA State Average | $2,144 |
| WA State Median | $1,944 |
| National Average | $2,965 |
| National Median | $2,716 |
Across the board, this quote undercuts every benchmark. Compared to the WA state average of $2,144, the saving is around $460 per year. Against the national average of $2,965, the homeowner is saving over $1,280 annually — enough to cover a weekend getaway or a decent chunk of the home's annual maintenance budget.
The Joondalup LGA average of $2,112 also provides useful local context, and even this figure is 25% higher than the quote in question. Burns Beach premiums tend to run above the broader LGA average, likely reflecting the higher property values and rebuild costs typical of the beachside suburb — which makes this quote's competitiveness all the more notable.
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Property Features That Affect Your Premium
Several characteristics of this property are likely working in the homeowner's favour when it comes to pricing.
Double Brick Construction Double brick is widely regarded by insurers as one of the most resilient wall construction types available. It offers excellent fire resistance, structural integrity, and durability against the elements — all factors that reduce the likelihood and severity of a claim. In Western Australia, double brick is a common and well-understood building method, and insurers generally price it favourably.
Steel / Colorbond Roof A Colorbond steel roof is another tick in the right column. It's lightweight, highly resistant to fire and corrosion, and performs well in coastal environments where salt air can degrade lesser materials. Compared to terracotta tiles (which can crack and allow water ingress) or older asbestos cement roofing, Colorbond is a low-risk choice that many insurers reward with lower premiums.
Concrete Slab Foundation Slab-on-ground construction is standard for homes built in this era and region. It eliminates the risks associated with subfloor spaces — such as moisture damage, pest infestation, or structural movement — which can be costly to repair and claim against.
Built in 2012 A relatively modern construction year means the home was built to contemporary Australian building codes, which incorporate improved safety standards, cyclone-resistant design elements (where applicable), and better energy efficiency. Newer homes generally attract lower premiums than older stock with ageing infrastructure.
No Cyclone Risk Burns Beach falls outside designated cyclone risk zones, which is a meaningful factor in WA where properties further north can attract significant cyclone loading on premiums. The absence of this risk keeps the base rate lower.
Pool, Solar Panels & Ducted Climate Control These features add to the overall insured value and can marginally increase premiums — a pool introduces liability considerations, and solar panels and ducted systems add to the cost of reinstatement. However, when these are factored into an already competitive quote, the overall result remains well below market rates.
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Tips for Homeowners in Burns Beach
1. Don't Set and Forget Your Sum Insured Construction costs in Perth have risen considerably over recent years, driven by labour shortages and material price increases. A building sum insured of $718,000 for a 214 sqm home works out to roughly $3,355 per square metre — a reasonable figure for 2025/26, but one worth reviewing annually. Underinsurance is one of the most common and costly mistakes homeowners make.
2. Review Your Contents Value Carefully A contents value of $124,000 may be appropriate, but many households underestimate what it would actually cost to replace everything from scratch — furniture, electronics, appliances, clothing, and personal items all add up quickly. Consider doing a room-by-room inventory every couple of years to keep this figure accurate.
3. Compare Quotes at Renewal Time The insurance market shifts constantly, and loyalty doesn't always pay. Even if your current premium is competitive, it's worth running a fresh comparison at renewal to ensure you're still getting value. Get a new quote at CoverClub in minutes and see how your current insurer stacks up.
4. Understand Your Excess Structure This policy carries a $2,000 building excess and a $1,000 contents excess. A higher excess typically reduces your premium, but it also means more out-of-pocket cost if you need to claim. Make sure your chosen excess levels reflect what you could comfortably afford in the event of a loss — particularly for a higher-value property like this one.
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Compare Your Home Insurance Today
Whether you're a Burns Beach local or simply researching what fair home insurance looks like in coastal Perth, CoverClub makes it easy to see how your premium measures up. Our free comparison tool pulls together quotes from a range of Australian insurers so you can make an informed decision — not just renew on autopilot.
Start your free quote comparison at CoverClub and find out if your home is as well-covered — and as well-priced — as it should be.