If you own a free standing home in Cambridge Park, NSW 2747, you're probably wondering whether you're paying a fair price for your home and contents insurance. In this article, we break down a real quote for a three-bedroom brick veneer home in the suburb and stack it up against local, state, and national benchmarks — so you can make a more informed decision at renewal time.
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Is This Quote Fair?
The quote in question comes in at $1,638 per year (or around $165 per month) for combined home and contents cover, with a building sum insured of $953,000 and contents valued at $104,000. The building excess sits at $3,000, with a separate $1,000 excess for contents claims.
Our pricing analysis rates this quote as Fair — Around Average, and the numbers back that up. Based on 27 quotes collected for Cambridge Park (2747), the suburb average annual premium is $1,822 and the median is $1,687. This quote lands just below the median, which means it's sitting in a reasonably competitive position — not the cheapest available, but well within normal range for the area.
To put it another way: a quarter of Cambridge Park homeowners are paying $1,065 or less per year (the 25th percentile), while another quarter are paying $2,296 or more (the 75th percentile). At $1,638, this quote falls comfortably in the middle band — neither a standout bargain nor cause for concern.
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How Cambridge Park Compares
One of the more striking takeaways from this data is just how affordable Cambridge Park is relative to broader benchmarks.
| Benchmark | Average Premium | Median Premium |
|---|---|---|
| Cambridge Park (2747) | $1,822/yr | $1,687/yr |
| Blacktown LGA | $2,135/yr | — |
| New South Wales | $3,801/yr | $3,410/yr |
| National (Australia) | $2,965/yr | $2,716/yr |
Cambridge Park sits well below the NSW state average of $3,801 per year — that's more than double the suburb median. Even against the national average of $2,965, Cambridge Park homeowners are paying significantly less. Within the Blacktown LGA, the average premium is $2,135 — still notably higher than what this quote delivers.
This suggests Cambridge Park is a relatively lower-risk suburb from an insurer's perspective, which translates to more manageable premiums for residents. Factors like its inland location (away from coastal flood and storm surge risks), lower cyclone exposure, and established suburban character likely all contribute to this favourable pricing environment.
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Property Features That Affect Your Premium
Every property is different, and a range of features on this particular home will influence how insurers assess and price the risk. Here's what stands out:
Brick Veneer Walls & Tiled Roof Brick veneer construction with a tiled roof is one of the more common — and insurer-friendly — combinations in Australian suburbia. Both materials are considered durable and relatively fire-resistant, which generally works in your favour at quote time.
Elevated on Stumps The home sits elevated by at least one metre on stumps, which is a notable feature. While this style of construction (sometimes associated with older Queenslander-influenced homes) can add some complexity to building replacement costs, the elevation itself may reduce exposure to surface water flooding — a positive from a risk standpoint.
1973 Construction Homes built in the early 1970s are well past the 50-year mark. Older homes can attract higher premiums due to the increased likelihood of outdated wiring, plumbing, and structural wear. That said, if the property has been well maintained or renovated, insurers may view it more favourably. It's worth ensuring your sum insured reflects modern rebuild costs, not just the original construction value.
Above Average Fittings With above-average fittings quality noted, the $953,000 building sum insured and $104,000 contents value are likely well-considered figures. Higher-quality fixtures, finishes, and appliances cost more to replace, so it's important not to underinsure — a risk that catches many homeowners off guard after a claim.
Pool, Solar Panels & Ducted Climate Control This property includes a swimming pool, rooftop solar panels, and ducted climate control — all features that add value but also add to replacement costs. Pools and solar systems in particular should be explicitly covered under your policy, as some standard policies may limit or exclude these unless specified.
Timber & Laminate Flooring Timber and laminate floors are a popular choice but can be costly to repair or replace after water damage or fire. Ensuring your contents and building cover adequately accounts for flooring is a detail worth confirming with your insurer.
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Tips for Homeowners in Cambridge Park
1. Review your sum insured regularly Building costs have risen sharply in recent years. A home built in 1973 that hasn't had its sum insured reviewed recently could be significantly underinsured. Use a building cost calculator or speak to a quantity surveyor to make sure $953,000 still reflects a realistic rebuild figure.
2. Check that your pool and solar are explicitly covered Not all standard home insurance policies automatically include swimming pools or solar panel systems in their building cover. Read your Product Disclosure Statement (PDS) carefully, or call your insurer to confirm these features are listed and covered.
3. Consider your excess strategy This policy carries a $3,000 building excess. A higher excess typically lowers your premium, but it also means more out-of-pocket cost when you claim. If cash flow is a concern, it may be worth comparing quotes with a lower building excess to find the right balance.
4. Compare quotes at renewal — not just when you first sign up Insurance loyalty rarely pays off in Australia. Premiums can shift significantly year to year, and insurers often offer better rates to new customers. Running a fresh comparison at each renewal is one of the simplest ways to avoid overpaying.
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Compare Your Own Quote
Whether you're a Cambridge Park local or just researching what fair home insurance looks like in Western Sydney, CoverClub makes it easy to see how your current premium stacks up. Get a home insurance quote today and compare it against real data from your suburb, your LGA, and across Australia — all in one place.