If you own a free standing home in Clearview, SA 5085, you're probably curious about whether you're getting a fair deal on your home insurance. This article breaks down a recent home and contents insurance quote for a three-bedroom, two-bathroom property in the suburb — and puts the numbers in context using real comparison data from across the street, the state, and the country.
---
Is This Quote Fair?
The quote in question comes in at $1,277 per year (or roughly $122 per month) for combined home and contents cover, with a building sum insured of $704,000 and contents valued at $100,000. Both the building and contents excess are set at $1,000.
Our pricing analysis rates this quote as FAIR — Around Average, and the data backs that up. The suburb average premium in Clearview sits at $1,278 per year, meaning this quote lands almost exactly on the local benchmark. That's not a bad position to be in — it suggests the pricing is competitive and broadly in line with what other homeowners in the area are paying for similar cover.
That said, "average" doesn't always mean "best available." Premiums in Clearview range from around $985/yr at the 25th percentile up to $1,581/yr at the 75th percentile, based on a sample of 32 quotes. This spread tells us there's meaningful room to either save money or end up overpaying depending on which insurer you go with — so it's always worth shopping around.
---
How Clearview Compares
One of the most striking things about this quote is just how favourably Clearview stacks up against broader benchmarks.
| Benchmark | Average Premium | Median Premium |
|---|---|---|
| Clearview (suburb) | $1,278/yr | $1,236/yr |
| Port Adelaide Enfield (LGA) | $1,295/yr | — |
| South Australia | $2,433/yr | $1,679/yr |
| National | $5,347/yr | $2,764/yr |
Clearview homeowners are paying well below the South Australian average of $2,433 per year, and a fraction of the national average of $5,347. Even against the SA state average, this suburb comes out looking very affordable. When you zoom out to the national picture, the difference is stark — Clearview premiums are roughly one-quarter of what the average Australian homeowner pays.
This largely reflects the relatively low-risk profile of the area. Clearview is not in a cyclone zone, it's not coastal, and it sits within an established metropolitan corridor of Adelaide without the elevated bushfire or flood exposure that pushes premiums skyward in many other parts of the country.
You can explore more localised data for this postcode on the Clearview suburb stats page.
---
Property Features That Affect Your Premium
The specific characteristics of this property play a meaningful role in shaping the premium. Here's how the key features factor in:
Brick Veneer Walls & Colorbond Roof Brick veneer is one of the most common wall constructions in South Australian suburban homes, and insurers generally view it favourably. It offers solid fire resistance and durability. Paired with a steel Colorbond roof — which is lightweight, corrosion-resistant, and low-maintenance — this combination tends to attract competitive premiums compared to older or less resilient materials like timber weatherboard or terracotta tiles.
Built in 2022 A relatively new build is a significant advantage when it comes to pricing. Modern homes are constructed to current Australian building codes, which include improved fire safety standards, better structural engineering, and more resilient materials throughout. Insurers reward this with lower risk assessments, and it's a likely contributor to the below-average premium on offer here.
Concrete Slab Foundation Slab foundations are standard for newer builds in South Australia and are generally considered low-risk from an insurance perspective. They're resistant to subsidence issues and don't carry the added complexity of subfloor spaces that can be vulnerable to moisture or pests.
Timber & Laminate Flooring While these flooring types look great and add to the above-average fittings quality of this home, they can be more susceptible to water damage than tiles. This is worth keeping in mind when reviewing your contents and building cover — particularly around accidental water damage inclusions.
Solar Panels This property has solar panels installed, which adds to the replacement cost of the building. It's important to confirm that your sum insured accounts for the cost of replacing the solar system, as panels can represent a significant portion of rebuilding costs that's sometimes overlooked.
Ducted Climate Control Ducted air conditioning is a fixed building asset and should be included in your building sum insured. At above-average fittings quality, this home has a higher-than-standard fitout, which is appropriately reflected in the $704,000 building sum insured.
No Pool The absence of a pool removes a common source of liability and accidental damage claims, which can subtly influence premium calculations.
---
Tips for Homeowners in Clearview
1. Review your sum insured annually With construction costs continuing to rise across South Australia, it's easy to become underinsured without realising it. A home built in 2022 with above-average fittings, solar panels, and ducted climate control has a lot of value to protect. Use a building cost calculator each year to make sure your $704,000 sum insured keeps pace with current rebuild costs.
2. Check that solar panels are explicitly covered Not all insurers automatically include solar panel systems under standard building cover. Review your policy wording carefully to confirm your panels are covered for damage from storms, hail, and electrical faults — and that the sum insured reflects their replacement value.
3. Shop across the premium range With a 25th percentile of $985/yr in Clearview, there's a realistic chance of finding equivalent cover for $200–$300 less per year. The key is comparing like-for-like — same sum insured, same excess levels, and equivalent inclusions. A cheaper policy with significant exclusions isn't always a better deal.
4. Consider your excess strategy Both the building and contents excess on this quote are set at $1,000. Opting for a higher excess can reduce your annual premium, but make sure you're comfortable covering that amount out of pocket in the event of a claim. For a relatively new, low-risk home like this one, a higher excess can be a sensible trade-off.
---
Ready to Compare?
Whether you're renewing your current policy or shopping for the first time, it pays to see what's available. CoverClub makes it easy to compare home and contents insurance quotes for properties across Clearview and the rest of South Australia. Get a quote today and find out if you could be paying less — or getting more — for your cover.