Carine is one of Perth's most sought-after northern suburbs — a leafy, well-established pocket of Joondalup that attracts families looking for space, quality schools, and proximity to the coast. If you own a large free standing home here, understanding what you should be paying for home and contents insurance is an important part of managing your household budget. This article breaks down a real insurance quote for a six-bedroom property in Carine (WA 6020) and puts the numbers into context against local, state, and national benchmarks.
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Is This Quote Fair?
The quote in question comes in at $1,405 per year (or $136/month) for combined home and contents cover, with a building sum insured of $968,000 and contents valued at $50,000. The building excess is $2,000 and the contents excess is $1,000.
Our pricing engine rates this quote as CHEAP — below average for the area. That's a meaningful finding. Based on a sample of 39 quotes collected for Carine (6020), the suburb average sits at $2,002/yr and the median at $2,135/yr. This quote lands well below both figures, and it also sits just under the suburb's 25th percentile of $1,419/yr — meaning it's cheaper than at least 75% of comparable quotes gathered in the area.
For a property of this size and specification — 354 sqm, six bedrooms, three bathrooms, with a pool, solar panels, and ducted climate control — securing cover at this price point represents genuinely strong value. Homeowners paying the suburb average would be spending nearly $600 more per year for equivalent protection.
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How Carine Compares
To fully appreciate this quote, it helps to zoom out and look at the broader pricing landscape. You can explore the full data on our Carine suburb stats page.
| Benchmark | Annual Premium |
|---|---|
| This quote | $1,405 |
| Carine suburb average | $2,002 |
| Carine suburb median | $2,135 |
| Carine 25th percentile | $1,419 |
| Carine 75th percentile | $2,443 |
| LGA (Joondalup) average | $2,347 |
| WA state average | $2,144 |
| WA state median | $1,944 |
| National average | $2,965 |
| National median | $2,716 |
The gap between this quote and the national average is particularly striking — at $1,405, this homeowner is paying less than half of what the average Australian pays for home and contents insurance ($2,965/yr). Even against the Western Australian state average of $2,144/yr, the saving is around $739 annually.
When you compare it against the national picture, it's clear that Perth's northern suburbs — and Carine in particular — benefit from relatively favourable risk profiles. Factors like low flood exposure, minimal bushfire risk in established streetscapes, and the absence of cyclone risk all contribute to keeping premiums competitive in this part of WA.
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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
Double brick is the gold standard for residential construction in Western Australia, and insurers know it. Brick walls offer superior fire resistance, structural durability, and lower susceptibility to storm damage compared to weatherboard or clad alternatives. For a home built in 1985, double brick construction also signals solid, era-appropriate build quality that has typically aged well.
Tiled Roof
Terracotta or concrete tile roofing is widely regarded as one of the more resilient roofing materials available. Tiles are fire-resistant, long-lasting, and perform well in Perth's hot, dry summers. This contrasts with corrugated iron or colorbond roofs, which — while durable in their own right — can be more vulnerable to certain weather events.
Slab Foundation
A concrete slab foundation is the most common foundation type in Perth and is generally viewed favourably by underwriters. It eliminates the risk of subfloor pest damage and moisture issues that can affect suspended timber floors, which can quietly drive up replacement costs over time.
No Cyclone Risk
Carine falls outside designated cyclone risk zones, which is a significant premium advantage. Properties in northern WA — particularly above the 26th parallel — can attract substantial cyclone loading on their premiums. Being located in Perth's northern suburbs without that loading is a meaningful cost benefit.
Pool, Solar Panels & Ducted Climate Control
These three features do add some complexity to the risk profile. A swimming pool increases liability exposure and can add to the cost of rebuilding. Solar panels on the roof represent an additional asset to insure and can complicate roof repairs. Ducted climate control systems are expensive to replace and need to be adequately captured in the sum insured. That said, these features are so common in Carine homes that local insurers are well-accustomed to pricing them — and the quote here suggests they haven't dramatically inflated the premium.
Timber and Laminate Flooring
Timber and laminate floors are stylish but can be costly to repair or replace following water damage events. It's worth confirming that your policy covers internal water damage (such as from burst pipes or appliance leaks) and understanding any sub-limits that may apply to floor coverings.
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Tips for Homeowners in Carine
Whether you're reviewing your existing policy or shopping for the first time, here are four practical steps worth taking.
1. Don't underinsure your building A sum insured of $968,000 for a 354 sqm home works out to roughly $2,735 per sqm — which is broadly in line with current construction costs in Perth for a well-specified home. However, building costs have risen sharply in recent years. It's worth using a building cost calculator annually to ensure your sum insured keeps pace with inflation and local labour costs.
2. Review your contents estimate carefully $50,000 in contents cover is on the modest side for a six-bedroom, three-bathroom home with standard fittings. Walk through each room and consider furniture, electronics, whitegoods, clothing, and valuables. Many homeowners are surprised to find their contents exceed initial estimates — and underinsurance at claim time can be a costly mistake.
3. Ask about bundling discounts If your home and contents are covered under the same policy (as they are here), you may already be receiving a bundling benefit. However, it's worth checking whether your insurer offers further discounts for loyalty, security systems, or claims-free history.
4. Compare at renewal — every year The insurance market moves constantly. A competitive quote today doesn't guarantee the best price at renewal. Using a comparison platform like CoverClub at each renewal cycle takes only a few minutes and can surface meaningful savings, particularly as new insurers enter the market or adjust their pricing models.
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Compare Your Home Insurance Quote Today
Whether you're a Carine local or anywhere else in Australia, CoverClub makes it easy to see what your home is worth insuring — and what you should reasonably expect to pay. Get a home insurance quote now and find out if your current premium is competitive, or if there's a better deal waiting for you.