Burpengary East is a growing residential suburb in Queensland's Moreton Bay region, popular with families drawn to its modern housing estates, relative affordability, and easy access to the Bruce Highway corridor. If you own a free standing home here — particularly one built in the last decade with features like a pool, solar panels, and ducted air conditioning — understanding what you should be paying for home and contents insurance is an important part of protecting your investment.
This article breaks down a real insurance quote for a 4-bedroom, 2-bathroom brick veneer home in Burpengary East (QLD 4505), compares it against local, state, and national benchmarks, and offers practical guidance for homeowners looking to get the best value cover.
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Is This Quote Fair?
The quote in question comes in at $5,967 per year (or $572/month) for combined home and contents insurance, covering a building sum insured of $850,000 and contents valued at $203,000. Both the building and contents excess are set at $1,000.
Our price rating for this quote is FAIR — Around Average, and the data backs that up. Within the Burpengary East suburb sample, the median premium sits at $4,589/year and the 75th percentile is $7,442/year. At $5,967, this quote falls comfortably between those two markers — meaning it's higher than what half of local homeowners pay, but still well below the top quarter of premiums in the area.
It's worth noting the suburb's average premium is a striking $73,156/year — an outlier figure almost certainly skewed by a small number of very high-value or high-risk properties in the sample of just 16 quotes. The median is a far more reliable indicator of typical costs for most Burpengary East homeowners, and against that benchmark, this quote looks reasonable.
In short: you're not getting a bargain, but you're not being overcharged either. There may still be room to sharpen the premium without sacrificing meaningful cover.
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How Burpengary East Compares
Putting this quote in a broader context helps illustrate where Burpengary East sits in the insurance landscape.
| Benchmark | Annual Premium |
|---|---|
| This Quote | $5,967 |
| Burpengary East Median | $4,589 |
| Burpengary East 75th Percentile | $7,442 |
| QLD State Average | $9,129 |
| QLD State Median | $3,903 |
| National Average | $5,347 |
| National Median | $2,764 |
| Moreton Bay LGA Average | $3,435 |
A few things stand out here. First, the QLD state average of $9,129/year is significantly higher than this quote — a reflection of the elevated premiums in cyclone-prone and flood-affected parts of North Queensland dragging the state figure upward. Burpengary East, notably, is not classified as a cyclone risk area, which works in homeowners' favour.
Second, this quote sits slightly above the national average of $5,347/year and considerably above the national median of $2,764. That gap is partly explained by Queensland's generally higher insurance costs relative to southern states, and partly by the specific features of this property.
Third, the Moreton Bay LGA average of just $3,435/year is notably lower than this quote. That figure, however, likely reflects a broader mix of properties — including smaller homes, older builds, and those without additional features like pools or solar — so a direct comparison isn't entirely apples-to-apples.
You can explore more localised data on the Burpengary East suburb stats page.
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Property Features That Affect Your Premium
Several characteristics of this property have a direct bearing on the premium quoted. Understanding them helps you see why the figure lands where it does.
Brick veneer construction and tiled roof are generally viewed favourably by insurers. Both materials offer solid fire resistance and durability, and are less prone to storm damage than lightweight cladding or metal roofing in certain conditions. This likely keeps the base building premium lower than it might otherwise be.
Slab foundation is standard for Queensland homes of this era and presents no particular risk loading. Combined with tiled internal flooring, the property is well-suited to the local climate.
Swimming pool adds to the insured value of the property and introduces a liability consideration. Most home insurance policies include legal liability cover, but a pool can nudge premiums upward — both because of its replacement cost and the increased risk of accidents on the property.
Solar panels are an increasingly common feature in QLD and can add meaningful value to a building sum insured. At the same time, they introduce specific risks (storm damage, electrical faults) that insurers factor into their pricing. Ensuring your building sum insured adequately accounts for the panels — and their reinstallation cost — is essential.
Ducted climate control is another high-value fixed asset that contributes to the building sum insured. Systems like these can be expensive to repair or replace, and their inclusion in the sum insured of $850,000 is appropriate for a 214 sqm home of this specification.
Standard fittings quality means the property isn't pushing into luxury territory, which helps moderate the premium compared to homes with high-end finishes.
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Tips for Homeowners in Burpengary East
1. Review your building sum insured regularly Construction costs have risen sharply in recent years across Queensland. A sum insured of $850,000 for a 214 sqm brick veneer home with a pool and solar panels seems reasonable, but it's worth recalculating annually using a building cost estimator to avoid being underinsured — especially as labour and materials costs continue to fluctuate.
2. Check what's included for your pool and solar panels Not all policies treat pools and solar panels the same way. Some insurers include them automatically under the building definition; others require them to be specifically listed. Confirm with your insurer that both are fully covered for damage, theft, and breakdown where applicable.
3. Consider your excess strategy Both the building and contents excess on this quote are set at $1,000. Opting for a higher voluntary excess — say, $2,000 — can meaningfully reduce your annual premium. If you're unlikely to make small claims (and given the potential impact on your claims history, many homeowners aren't), this can be a smart trade-off.
4. Shop the market at renewal time A "Fair" rating means this quote is competitive, but it's not necessarily the best available. Insurance markets shift, and loyalty doesn't always pay. Running a comparison at renewal — particularly across insurers who specialise in Queensland properties — can surface better value without compromising on cover.
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Compare Your Home Insurance Quote Today
Whether you're buying, renewing, or simply curious about whether you're paying too much, CoverClub makes it easy to benchmark your premium against real data from across Australia. Get a quote today at CoverClub and see how your home insurance stacks up — in Burpengary East and beyond.