Byford is one of Perth's fastest-growing outer suburbs, sitting in the Serpentine-Jarrahdale local government area about 40 kilometres south-east of the CBD. With plenty of modern housing estates and a strong community feel, it's an increasingly popular choice for families looking for space without sacrificing affordability. If you own a free standing home here, understanding what you should be paying for home insurance — and whether your current quote is competitive — is an important part of protecting your investment.
This article breaks down a real home and contents insurance quote for a four-bedroom, two-bathroom free standing home in Byford, comparing it against local, state, and national benchmarks so you can make a more informed decision.
---
Is This Quote Fair?
The annual premium for this property came in at $992 per year (or $93 per month), covering both building (sum insured: $631,000) and contents ($50,000). Based on CoverClub's pricing data, this quote is rated CHEAP — below average for the area.
To put that in perspective: the suburb median for Byford sits at $1,191 per year, meaning this quote is roughly $200 below what most homeowners in the area are paying. It also comfortably undercuts the suburb's 25th percentile of $1,047 — sitting below even the cheapest quarter of quotes collected locally. That's a strong result.
The building excess is $2,000 and the contents excess is $1,000, which are fairly standard figures. Higher excesses can reduce premiums, so it's worth considering whether those levels feel comfortable if you ever needed to make a claim.
In short: yes, this quote looks genuinely competitive. But context matters — read on to understand exactly how it compares across different benchmarks.
---
How Byford Compares
Here's how this $992 quote stacks up against broader market data:
| Benchmark | Average Premium |
|---|---|
| This Quote | $992/yr |
| Byford (6122) Suburb Average | $1,591/yr |
| Byford (6122) Suburb Median | $1,191/yr |
| Byford 25th Percentile | $1,047/yr |
| Byford 75th Percentile | $1,853/yr |
| Serpentine-Jarrahdale LGA Average | $1,466/yr |
| WA State Average | $2,144/yr |
| WA State Median | $1,944/yr |
| National Average | $2,965/yr |
| National Median | $2,716/yr |
Based on 68 quotes collected for the Byford 6122 postcode.
The gap between this quote and the Western Australian state average of $2,144 is striking — a saving of over $1,150 per year. Compared to the national average of $2,965, the difference is even more dramatic, at nearly $2,000 annually.
Part of this reflects Byford's relatively low-risk profile. The area is not classified as a cyclone risk zone, which significantly reduces premiums compared to properties in northern WA or Queensland. Compared to coastal or bushfire-prone regions that push state and national averages higher, Byford's suburban setting works in homeowners' favour.
You can explore the full pricing landscape for this postcode at the Byford suburb stats page.
---
Property Features That Affect Your Premium
Several characteristics of this particular property influence how insurers price the risk — and many of them are working in the owner's favour.
Double Brick Construction Double brick is widely regarded as one of the most resilient building methods in Australia. It offers excellent fire resistance, strong structural integrity, and performs well in high-wind events. Insurers generally view double brick homes favourably, and this construction type often attracts lower premiums compared to timber-framed or clad alternatives.
Tiled Roof A tiled roof is a durable, low-maintenance option that insurers tend to rate positively. Tiles are resistant to ember attack and generally hold up well in storms, reducing the likelihood of weather-related claims.
Slab Foundation A concrete slab foundation is standard for modern construction in WA and presents minimal risk for subsidence or movement-related damage — another tick in the insurer's risk assessment.
Built in 2016 At under a decade old, this home benefits from modern building codes and materials. Newer homes typically have updated electrical systems, compliant plumbing, and better structural standards, all of which reduce the risk of internal damage claims.
Solar Panels Solar panels are generally covered under home building insurance, though it's worth confirming with your insurer that they're included in the sum insured. Some policies treat them as a fixed fixture of the building, while others may require a specific mention.
Ducted Climate Control Ducted air conditioning systems are a significant fixed asset and should be factored into your building sum insured. At $631,000, the building cover here appears appropriately sized for a 214 sqm double brick home with quality fittings.
Vinyl Flooring Vinyl is a cost-effective, practical flooring choice that is relatively inexpensive to replace compared to hardwood or stone. This can have a modest downward effect on contents or building replacement costs.
No Pool The absence of a swimming pool removes a category of liability and maintenance-related risk that can nudge premiums upward. It's a small but meaningful factor.
---
Tips for Homeowners in Byford
1. Review Your Sum Insured Regularly Construction costs in WA have risen considerably in recent years. A home built in 2016 at 214 sqm with double brick construction and ducted climate control should be reassessed periodically to ensure the $631,000 building sum insured still reflects full replacement cost — not just market value. Underinsurance is one of the most common and costly mistakes homeowners make.
2. Confirm Solar Panels Are Covered With solar panels on the roof, double-check your policy wording to confirm they're explicitly included in your building cover. Ask your insurer whether they're treated as a fixture of the building or whether a separate item needs to be listed.
3. Don't Set and Forget Even with a competitively priced policy, it's worth comparing quotes at renewal time each year. Insurers regularly adjust their pricing models, and the market can shift significantly. A quote that was excellent this year may not be the best available next year.
4. Consider Your Excess Levels The $2,000 building excess on this policy is on the higher side. While it helps keep the premium down, make sure you're comfortable with that out-of-pocket cost in the event of a claim. If cash flow is a concern, it may be worth comparing quotes with a lower excess to understand the premium trade-off.
---
Compare Your Own Quote with CoverClub
Whether you're a Byford local or looking at properties across WA, CoverClub makes it easy to see how your home insurance quote stacks up against real market data. Get a quote today and find out if you're paying a fair price — or leaving money on the table.