Carine is a well-established suburban pocket in Perth's northern corridor, sitting within the City of Joondalup and popular with families drawn to its leafy streets, quality schools, and proximity to the coast. If you own a free-standing home here, you're likely sitting on a significant asset — and making sure it's properly protected is essential. This article breaks down a recent home and contents insurance quote for a four-bedroom, two-bathroom property in Carine (postcode 6020) and puts the numbers into context so you can judge whether you're getting a fair deal.
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Is This Quote Fair?
The annual premium on this quote comes in at $1,774 per year (or $173 per month), covering a building sum insured of $1,348,000 and $130,000 in contents. Our analysis rates this quote as Fair — Around Average.
That rating reflects where the premium sits relative to what other Carine homeowners are paying. At $1,774, it lands comfortably below the suburb average of $2,002 and well under the suburb median of $2,135. It's above the 25th percentile for the area ($1,419), which means roughly three-quarters of comparable quotes in the suburb come in higher — a reasonable position to be in.
The building excess of $2,000 is on the moderate-to-higher end, which typically helps bring the annual premium down. The contents excess of $600 is fairly standard. Homeowners who prefer a lower out-of-pocket cost in the event of a claim may want to explore options with a reduced excess, though this will generally push the premium up.
Overall, this quote represents reasonable value — not the cheapest available, but comfortably below what many Carine homeowners are paying.
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How Carine Compares
To put the $1,774 premium in perspective, here's how it stacks up across different benchmarks:
| Benchmark | Premium |
|---|---|
| This quote | $1,774/yr |
| Carine suburb average | $2,002/yr |
| Carine suburb median | $2,135/yr |
| Carine 75th percentile | $2,443/yr |
| LGA (Joondalup) average | $2,347/yr |
| WA state average | $2,144/yr |
| WA state median | $1,944/yr |
| National average | $2,965/yr |
| National median | $2,716/yr |
The figures tell an interesting story. This quote sits $228 below the Carine suburb average and a substantial $573 below the Joondalup LGA average. Compared to the broader Western Australian market, it's also below the state average of $2,144.
When you zoom out to national figures, the gap becomes even more striking — the national average sits at $2,965, nearly $1,200 more than this quote. Much of that national premium inflation is driven by high-risk regions: cyclone-prone parts of Queensland and the Northern Territory, flood-affected inland areas, and bushfire-exposed communities in Victoria and NSW. Carine, by contrast, carries relatively modest natural hazard risk, which is reflected in its more competitive local pricing.
You can explore the full pricing data for the suburb at the Carine insurance stats page, which is updated regularly with real quote data.
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Property Features That Affect Your Premium
Several characteristics of this property work in the homeowner's favour from an insurance pricing perspective.
Double brick construction is widely regarded as one of the most resilient wall types for Perth homes. It offers excellent structural integrity, strong fire resistance, and performs well in high-wind events. Insurers generally view double brick favourably, and it's a common construction method in Carine's post-war and 1980s–90s housing stock.
Steel/Colorbond roofing is another positive. Colorbond is durable, lightweight, and highly resistant to ember attack — a meaningful consideration even in lower-risk suburbs. It's also less prone to the cracking and leaking issues that can affect older terracotta or concrete tile roofs, potentially reducing the likelihood of weather-related claims.
The slab foundation is standard for Perth homes of this era and generally presents no elevated risk to insurers. Combined with tile flooring, the property has a practical finish that tends to hold up well over time.
Being outside a cyclone risk area is a notable premium advantage. Homeowners in northern WA and parts of Queensland can face significantly higher premiums due to cyclone loading — Carine's location in Perth's northern suburbs means this surcharge doesn't apply.
On the other hand, a few features add complexity to the sum insured and overall risk profile:
- Swimming pool: Pools increase the replacement cost of the property and introduce liability considerations. They also require specific coverage to ensure the pool structure and equipment are included.
- Solar panels: With a growing number of Perth homes going solar, it's worth confirming exactly how your policy treats panels — whether they're covered under building or contents, and whether inverters and battery storage (if applicable) are included.
- Ducted climate control: A full ducted system is a significant fixed asset and contributes meaningfully to the building's replacement value. Ensuring the sum insured accounts for this is important.
The above-average fittings quality is also worth noting. Homes with higher-spec kitchens, bathrooms, and finishes cost more to rebuild or repair to the same standard, which is reflected in the $1,348,000 building sum insured — a figure that should be reviewed periodically to keep pace with construction cost inflation.
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Tips for Homeowners in Carine
1. Review your sum insured regularly Construction costs in Perth have risen sharply over recent years. A sum insured that was accurate three years ago may now fall short of what it would actually cost to rebuild your home. Use a building cost calculator or speak with a quantity surveyor to stress-test your figure — underinsurance is one of the most common and costly mistakes homeowners make.
2. Confirm your pool and solar panels are covered Don't assume these are automatically included. Check your policy schedule to confirm the pool structure, pump, and filtration equipment are covered under your building policy, and that your solar panels and inverter are explicitly listed. Some policies treat panels as contents; others include them in the building — the distinction matters at claim time.
3. Compare quotes before renewal Insurance loyalty rarely pays off. Premiums can shift significantly between insurers for the same property, and the market changes year to year. Running a comparison at renewal — even if you ultimately stay with your current provider — ensures you're not overpaying. You can get a new quote at CoverClub in minutes.
4. Consider your excess settings carefully The $2,000 building excess on this quote is meaningful. If you'd prefer more manageable out-of-pocket costs in a claim scenario, explore whether a lower excess option is available and what it does to the annual premium. For some homeowners, the trade-off is worth it; for others, a higher excess is a sensible way to keep premiums down on a property they're unlikely to claim on frequently.
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Find a Better Deal on CoverClub
Whether you're renewing your existing policy or shopping around for the first time, CoverClub makes it easy to compare home and contents insurance quotes tailored to your property. Our data is drawn from real quotes across Australia, so you can see exactly how your premium stacks up against your neighbours. Start your comparison today and make sure your Carine home is covered at the right price.