If you own a free standing home in Craigie, WA 6025, you're likely well aware that home insurance is one of those non-negotiable household expenses — but that doesn't mean you should be paying more than necessary. This article takes a close look at a real home and contents insurance quote for a three-bedroom, double brick home in Craigie, unpacking what the premium reflects, how it stacks up against Western Australian and national benchmarks, and what local homeowners can do to make sure they're getting genuine value.
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Is This Quote Fair?
The quote in question comes in at $1,065 per year (or around $101 per month) for combined home and contents cover, with a building sum insured of $600,000 and contents covered to $100,000. The building excess sits at $2,000, with a separate $1,000 excess applying to contents claims.
Our price rating for this quote? Cheap — below average. That's a strong result.
To put it in perspective: the Western Australian state average for home insurance sits at $2,144 per year, with a median of $1,944. Nationally, the picture is even more striking — the national average is $2,965 per year, with a median of $2,716. This quote comes in at roughly half the WA average and just over a third of the national average for comparable cover.
Even measured against the City of Joondalup LGA average of $2,347 per year, this premium is significantly below the local benchmark. For a homeowner in Craigie, that's a potential saving of well over $1,000 annually compared to what many neighbours might be paying.
Of course, every quote is shaped by a unique combination of property characteristics, cover levels, and insurer pricing models — so it's worth understanding exactly why this property attracts such a competitive premium.
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How Craigie Compares
While suburb-level data isn't available for Craigie specifically, we can draw meaningful conclusions from the broader context. You can explore Craigie suburb insurance statistics as more data becomes available.
Here's a snapshot of how this quote compares across different benchmarks:
| Benchmark | Annual Premium |
|---|---|
| This Quote | $1,065 |
| Joondalup LGA 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 LGA average alone is $1,282 per year — money that could go toward your mortgage, a holiday, or simply building up your emergency fund. It's a timely reminder that shopping around and comparing quotes really does make a measurable difference.
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Property Features That Affect Your Premium
Several characteristics of this particular home work in its favour from an insurance pricing perspective.
Double Brick Construction Double brick is widely regarded as one of the most resilient building materials in the Australian context. It offers excellent resistance to fire, wind, and general wear — all factors that reduce the likelihood of a significant claim. Insurers typically reward brick construction with lower premiums compared to timber-framed or clad homes.
Tiled Roof Terracotta or concrete tile roofing is a durable, low-maintenance choice that holds up well over time. Compared to older corrugated iron or asbestos cement roofing, tiles present a more favourable risk profile and can contribute to a more competitive premium.
Slab Foundation A concrete slab foundation is standard for Perth homes of this era and is generally considered stable in the sandy, well-drained soils common across the northern suburbs. It's a neutral-to-positive factor in insurance assessments.
Construction Year: 1981 Homes built in the early 1980s are well past the point of being considered "new" — but they're also not so old that major structural concerns are assumed. A 1981 build in double brick is typically in solid condition, though insurers may factor in the age when assessing replacement costs.
Swimming Pool The property includes a pool, which does introduce some additional liability exposure — particularly around public liability cover within your home policy. It's worth confirming your policy's liability limits are adequate, especially if children or visitors use the pool regularly.
Ducted Climate Control A ducted air conditioning system adds to the overall contents and fixtures value of the home. Ensuring your building sum insured accounts for the cost of replacing this system is important when setting your cover level.
No Cyclone Risk Craigie sits well outside Western Australia's cyclone-prone regions, which is a meaningful premium advantage. Properties in the Pilbara, Kimberley, or even parts of the Mid West can attract significant cyclone loading on their premiums — something Craigie homeowners simply don't need to worry about.
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Tips for Homeowners in Craigie
1. Review Your Building Sum Insured Regularly At $600,000, the building sum insured on this policy is substantial — but construction costs in Perth have risen sharply in recent years. Make sure your sum insured reflects current rebuild costs (not market value), factoring in labour, materials, and any recent renovations or additions like the ducted air conditioning system.
2. Check Your Pool Liability Cover If you have a pool, confirm that your policy includes adequate personal liability protection. Most home and contents policies include public liability cover, but the limits vary. Given the inherent risks associated with swimming pools, $10–20 million in liability cover is a sensible benchmark to aim for.
3. Consider Your Excess Strategy This policy carries a $2,000 building excess and a $1,000 contents excess. Opting for a higher excess is one of the most effective ways to reduce your premium — but make sure you could comfortably cover that amount out of pocket in the event of a claim. If cash flow is a concern, a lower excess with a slightly higher premium may be the better trade-off.
4. Don't "Set and Forget" Your Policy Even if your current premium is competitive, it's worth comparing quotes at renewal each year. Insurers regularly adjust their pricing models, and the market can shift significantly from one year to the next. A quick comparison at CoverClub takes only a few minutes and could reveal meaningful savings.
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Compare Your Own Quote
Whether you're renewing an existing policy or shopping for cover on a new purchase, it pays to see what the market is offering. At CoverClub, you can compare home and contents insurance quotes tailored to your specific property and circumstances — quickly, easily, and without the pressure of a sales call. Get a quote today and find out if you're paying a fair price for your Craigie home.