If you own a free standing home in Cable Beach, WA 6726, you already know this stretch of Western Australia's Kimberley coast is one of the most spectacular — and most challenging — places to insure a property. Between the cyclone season, the remoteness, and the sheer cost of rebuilding in a regional area, home insurance here looks very different from what most Australians pay. This article breaks down a real home and contents insurance quote for a 4-bedroom, 2-bathroom property in Cable Beach, compares it against local, state, and national benchmarks, and offers practical guidance for homeowners navigating this unique market.
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Is This Quote Fair?
The quote in question comes in at $7,071 per year (or $671/month) for combined home and contents cover, with a building sum insured of $800,000 and contents valued at $50,000. Both the building and contents excess sit at $1,000.
Our price rating for this quote is FAIR — Around Average, and the data backs that up. Based on 54 quotes collected for Cable Beach (6726), the suburb average premium is $6,816/yr and the median sits at $6,656/yr. This quote lands above both of those figures, but well within the suburb's interquartile range — the middle 50% of quotes in the area fall between $5,917/yr and $7,911/yr, meaning this premium is solidly in the mainstream for the area.
In short: you're not getting a bargain, but you're not being gouged either. For a 214 sqm home with a pool in a declared cyclone risk zone, this is a realistic price to pay.
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How Cable Beach Compares
The numbers become more striking when you zoom out. Here's how Cable Beach stacks up against broader benchmarks:
| Benchmark | Average Premium | Median Premium |
|---|---|---|
| Cable Beach (6726) | $6,816/yr | $6,656/yr |
| Broome LGA | $6,762/yr | — |
| Western Australia | $2,144/yr | $1,944/yr |
| National | $2,965/yr | $2,716/yr |
Cable Beach premiums are roughly 3× the WA state average and more than double the national average. That's a significant gap — and it's not a coincidence. The suburb sits in a declared cyclone risk area, which fundamentally reshapes how insurers price exposure here. The WA state insurance data confirms that even within Western Australia, most homeowners pay far less than Kimberley residents. And when you compare against national averages, the premium gap is even more pronounced.
The Broome LGA average of $6,762/yr closely mirrors the Cable Beach suburb average, suggesting the cyclone risk pricing is consistent across the broader region rather than being specific to any one pocket of the area.
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Property Features That Affect Your Premium
Several characteristics of this particular property have a meaningful influence on what insurers charge.
Cyclone Risk Zone
This is the dominant factor. Cable Beach sits in a tropical cyclone-prone region, and insurers apply significant loadings to cover the potential for wind, storm surge, and water damage. Cyclone-rated construction standards are mandatory in WA's north, but the residual risk still drives premiums substantially higher than southern parts of the state.
Aluminium Walls and Colorbond Roof
Aluminium cladding and steel (Colorbond) roofing are both sensible choices for the Kimberley climate. They resist corrosion, handle heat well, and are generally regarded favourably by insurers compared to materials that deteriorate faster in tropical conditions. This combination may help moderate the premium compared to properties with less durable finishes.
Slab Foundation
A concrete slab foundation is standard in the region and doesn't attract any particular loading from insurers. It's a neutral factor in the pricing equation.
Swimming Pool
Pools add to the insured value of a property and introduce a liability consideration, both of which can nudge premiums upward. With a building sum insured of $800,000, the pool's replacement cost is likely factored into that figure.
Construction Year (1995) and Size (214 sqm)
A home built in 1995 is mature enough that some wear and tear is expected, but not so old that it predates modern cyclone building codes that were progressively strengthened through the 1980s and 1990s in WA. At 214 sqm, this is a comfortably sized family home, and the building sum insured of $800,000 reflects the elevated cost of construction and rebuilding in a remote regional location.
Standard Fittings
Standard-quality fittings mean the contents and internal finishes don't attract the premium loadings associated with high-end or bespoke fitouts. This is a modest but helpful factor keeping costs in check.
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Tips for Homeowners in Cable Beach
1. Review Your Building Sum Insured Regularly
Construction costs in regional WA have risen sharply in recent years. Make sure your $800,000 building sum insured genuinely reflects what it would cost to rebuild your home today — including site clearance, materials freight to a remote location, and labour. Underinsurance is a serious risk in areas where rebuild costs are high.
2. Compare Quotes Every Year
The Cable Beach insurance market has meaningful spread — the gap between the 25th and 75th percentile is nearly $2,000 per year. That's real money. Shopping around at renewal time using a comparison tool like CoverClub can surface better-priced options without compromising your cover.
3. Check Your Cyclone Excess Carefully
Many policies in cyclone-prone areas apply a separate, higher excess specifically for cyclone-related claims. This can be a flat dollar amount or a percentage of the sum insured — sometimes 1–2%, which on an $800,000 building would mean $8,000–$16,000 out of pocket before your insurer steps in. Read the Product Disclosure Statement closely.
4. Secure Your Property Before the Wet Season
Some insurers offer discounts or improved terms for homes with cyclone shutters, reinforced garage doors, or other storm-mitigation features. Even where a direct discount isn't on offer, these measures reduce your risk of a claim — which protects your no-claims history and future premiums.
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Ready to See What You Could Pay?
Whether you're renewing soon or just want to know where you stand, comparing quotes is the smartest first step. CoverClub aggregates real insurance data from across Australia so you can see exactly how your premium stacks up — and find out if there's a better deal available for your Cable Beach home. Get a quote today and take the guesswork out of home insurance.