Burpengary is a well-established suburb in the Moreton Bay region of South East Queensland, popular with families drawn to its spacious blocks, good schools, and easy access to the Bruce Highway. If you own a free-standing home here, understanding what you should be paying for home and contents insurance — and why — can save you hundreds of dollars a year. In this article, we analyse a real quote for a four-bedroom, two-bathroom brick veneer home in Burpengary and put it into context with local, state, and national data.
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Is This Quote Fair?
The quote in question comes in at $3,798 per year (or $350 per month) for combined home and contents cover, with a building sum insured of $950,000 and contents valued at $199,000. Both the building and contents excess sit at $1,000.
Our price rating for this quote is Expensive — above average for the Burpengary area.
To put that into perspective: the average home and contents premium among quotes we've seen for Burpengary (postcode 4505) sits at $1,899 per year, with a median of $1,741. This quote is more than double the suburb median — a significant gap that warrants a closer look.
That said, "expensive" doesn't automatically mean "wrong." The sum insured here is substantial at $950,000 for the building alone, and the contents cover of $199,000 is on the higher end. Higher insured values naturally push premiums up. The question is whether the quoted premium is proportionate to the risk and the coverage — and whether shopping around might yield a better deal for the same level of protection.
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How Burpengary Compares
Benchmarking this quote against broader data reveals some interesting contrasts:
| Benchmark | Premium |
|---|---|
| This Quote | $3,798/yr |
| Burpengary Suburb Average | $1,899/yr |
| Burpengary Suburb Median | $1,741/yr |
| Burpengary 25th Percentile | $1,470/yr |
| Burpengary 75th Percentile | $2,332/yr |
| Moreton Bay LGA Average | $3,435/yr |
| QLD State Average | $9,129/yr |
| QLD State Median | $3,903/yr |
| National Average | $5,347/yr |
| National Median | $2,764/yr |
A few things stand out here. Queensland's state average premium is a whopping $9,129 per year — heavily skewed by high-risk cyclone and flood-prone areas in North and Far North Queensland. The state median of $3,903 is a far more representative figure for most QLD homeowners, and this quote of $3,798 actually falls just below that median.
Compared to the national median of $2,764, this quote is still elevated, but the Moreton Bay LGA average of $3,435 suggests that properties in this region do attract moderately higher premiums than the typical Australian home. Burpengary itself appears to be a relatively affordable pocket within Moreton Bay — which makes this particular quote look pricier by local standards, even if it's not out of step with broader Queensland figures.
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Property Features That Affect Your Premium
Several characteristics of this property influence what insurers charge. Here's how each one plays into the pricing:
Brick Veneer Walls & Tiled Roof Brick veneer construction with a tile roof is generally viewed favourably by insurers. These materials are durable, fire-resistant, and less susceptible to storm damage than timber weatherboard or metal cladding. This combination typically attracts lower premiums compared to less robust construction types.
Concrete Slab Foundation A slab foundation is standard for homes of this era and is generally considered low-risk. It reduces the likelihood of subsidence-related claims and is well-suited to South East Queensland's soil conditions.
Construction Year: 1993 At around 30 years old, this home is mature but not old enough to attract significant age-related loading. Homes built in the 1990s generally meet solid building standards, though insurers may factor in the age of plumbing, electrical systems, and roofing when assessing risk.
Swimming Pool A pool adds liability exposure and increases the replacement cost of the property, both of which can nudge premiums upward. Pool fencing compliance and safety features may help mitigate this impact.
Solar Panels Solar panels increase the building's replacement value and introduce some risk around electrical systems and roof penetrations. Most insurers cover panels as part of the building, but their presence can contribute to a higher sum insured and, consequently, a higher premium.
Building Size: 214 sqm At 214 square metres, this is a comfortably sized family home. The $950,000 building sum insured works out to roughly $4,439 per square metre — on the higher end for a standard-quality finish, which may be worth reviewing to ensure it accurately reflects the cost to rebuild rather than the market value of the property.
Standard Fittings Quality Standard fittings are the most common category and don't attract any premium loading for luxury finishes. This keeps costs in check relative to homes with high-end or premium fixtures.
No Cyclone Risk Burpengary falls outside designated cyclone risk zones, which is a meaningful cost advantage. Homeowners in cyclone-prone parts of Queensland can pay dramatically more for cover — so this property benefits from its location in this regard.
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Tips for Homeowners in Burpengary
1. Review your building sum insured carefully The $950,000 sum insured is the single biggest driver of this premium. Make sure it reflects the actual cost to rebuild your home — not its market sale price. Overcovering can mean paying more than necessary, while undercovering leaves you exposed. Use a building cost calculator or speak with a quantity surveyor to get an accurate figure.
2. Compare quotes across multiple insurers With a suburb median of just $1,741, there's clearly a wide spread of pricing in Burpengary. Even accounting for the higher sum insured here, comparing quotes from multiple providers could uncover significant savings. Use CoverClub to compare quotes and see what's available for your specific property.
3. Ask about bundling discounts Many insurers offer discounts when you combine home and contents cover under a single policy — which this quote already does. If you're currently insuring them separately, consolidating could reduce your overall cost.
4. Check your contents valuation A contents value of $199,000 is substantial. It's worth doing a room-by-room audit of your belongings to ensure this figure is accurate. Overestimating contents cover inflates your premium unnecessarily, while underestimating it can leave you short at claim time.
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Compare Your Home Insurance Today
Whether you're renewing your policy or shopping around for the first time, it pays to know what others in your suburb are paying. CoverClub makes it easy to compare home and contents quotes for your Burpengary property, so you can make a confident, informed decision. You can also explore the latest Burpengary insurance data and Queensland-wide trends to see how your current premium stacks up.