Connolly is a well-established residential suburb in Perth's northern corridor, sitting within the City of Wanneroo. Known for its leafy streetscapes, family-friendly atmosphere, and proximity to Currambine Central and the Joondalup CBD, it's a popular choice for homeowners seeking space and suburban comfort. This article breaks down a real home and contents insurance quote for a five-bedroom, free-standing home in Connolly (postcode 6027), helping you understand what's driving the cost and how it stacks up against broader benchmarks.
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Is This Quote Fair?
The annual premium for this property comes in at $2,187 per year (or roughly $210 per month), covering both building and contents. The building is insured for $821,000 and contents for $50,000, with a $1,000 excess applying to both.
Our price rating for this quote is Fair — Around Average, which is a reasonable outcome for a property of this size and specification. It's not a bargain, but it's certainly not an outlier either. Given the property's features — a pool, solar panels, and ducted climate control — a premium sitting near the average is actually a solid result. These extras add replacement cost and complexity to any claim, so insurers typically price them accordingly.
For context, this quote sits just $43 above the WA state average of $2,144/yr, which is a negligible difference. Homeowners in this position shouldn't feel hard done by — but there's always room to explore whether a better rate exists elsewhere.
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How Connolly Compares
Understanding where your premium sits relative to peers is one of the most useful tools a homeowner has. Here's how this quote measures up:
| Benchmark | Premium |
|---|---|
| This Quote | $2,187/yr |
| WA State Average | $2,144/yr |
| WA State Median | $1,944/yr |
| National Average | $2,965/yr |
| National Median | $2,716/yr |
| Wanneroo LGA Average | $1,543/yr |
A few things stand out here. First, this quote is significantly above the Wanneroo LGA average of $1,543/yr — a gap of over $640 annually. That said, LGA averages can be heavily influenced by smaller, lower-value properties, so a five-bedroom home with a pool and solar system will naturally sit higher on the scale.
Second, and perhaps more encouragingly, this quote is well below both the national average ($2,965) and national median ($2,716). Homeowners in many other parts of Australia — particularly Queensland and northern coastal regions — are paying substantially more for equivalent cover. Western Australia's relatively low exposure to cyclone risk (more on that below) helps keep premiums competitive compared to the national picture.
You can explore how Connolly premiums compare more broadly on the Connolly suburb stats page, or zoom out to the WA state overview and national statistics for a fuller picture.
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Property Features That Affect Your Premium
Every property tells a story to an insurer. Here's how the specific features of this Connolly home influence what you pay:
Double Brick Construction (1985)
Double brick is generally viewed favourably by insurers. It's durable, fire-resistant, and holds up well in storms — all factors that reduce the likelihood of a total loss claim. Homes built in the mid-1980s are well past the age where construction defects are a concern, and double brick construction from this era tends to age gracefully. This is a premium-friendly feature.
Tiled Roof
Terracotta or concrete tiles are a common roofing choice across Perth's northern suburbs and are considered a moderate-risk material. They're resilient in most weather conditions but can crack under impact or extreme temperature shifts. Overall, a tiled roof is a neutral-to-positive factor in premium pricing.
Slab Foundation
A concrete slab foundation is standard for Perth homes of this era and is generally considered low-risk by insurers. Unlike stumped or suspended floors, slabs offer minimal exposure to subsidence or pest-related structural issues.
Swimming Pool
A pool adds both value and liability to a property. From an insurance perspective, it increases the building sum insured (pool equipment, fencing, and surrounds aren't cheap to replace) and introduces some liability considerations. Homeowners should ensure their policy explicitly covers pool-related structures and equipment.
Solar Panels
Solar systems are increasingly common across Perth, and insurers are becoming more familiar with pricing them. That said, solar panels add to the replacement cost of the building and can be damaged by hail, storms, or fire. It's worth confirming that your policy covers panels at full replacement value, including installation costs.
Ducted Climate Control
A ducted air conditioning system is a significant fixed asset. If it's damaged in a storm, fire, or electrical fault, replacement can run into the tens of thousands of dollars. Ensuring this is captured in your building sum insured is essential — and it likely contributes to the $821,000 insured value here.
No Cyclone Risk
Connolly is not classified as a cyclone risk area, which is a meaningful premium advantage over properties in northern WA or Queensland. Cyclone-rated cover adds a significant loading to premiums in affected regions, so Connolly homeowners benefit from being outside that zone.
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Tips for Homeowners in Connolly
1. Review your building sum insured regularly With a property of this size and specification, getting the sum insured right is critical. At $821,000 for a 277 sqm double brick home with a pool and solar system, the figure looks reasonable — but building costs change year on year. Use a building calculator or ask your insurer to confirm the replacement cost estimate is current.
2. Check your pool and solar are explicitly covered Not all standard policies automatically extend to pool equipment or solar panel systems without a specific mention. Read the Product Disclosure Statement (PDS) carefully and ask your insurer directly whether these features are included and to what limit.
3. Compare at renewal, not just at purchase Insurance loyalty rarely pays. Premiums can shift significantly between providers for identical cover. Setting a calendar reminder to compare quotes 30 days before your renewal date is one of the simplest ways to avoid overpaying.
4. Consider bundling building and contents This quote already combines home and contents cover, which is often the most cost-effective approach. If you're currently holding separate policies with different providers, it may be worth exploring whether consolidating them delivers a better overall rate.
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Ready to Compare?
Whether you're renewing soon or just curious about what else is on the market, comparing quotes is the smartest move a homeowner can make. At CoverClub, you can enter your property details and see how your current premium stacks up — in minutes, with no obligation. Don't let inertia cost you hundreds of dollars a year.