A four-bedroom, double-brick home in Dalyellup, WA 6230 is exactly the kind of well-built, modern property that tends to attract competitive insurance pricing — and this quote is a strong example of that. With a combined home and contents premium of just $846 per year (or roughly $79 per month), this policy covers a building sum insured of $613,000 and $100,000 in contents. Let's unpack whether that price is genuinely good value, and what's driving it.
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Is This Quote Fair?
In short: yes — this is an excellent result. CoverClub rates this quote as CHEAP (Below Average), meaning it sits well below what most homeowners in the area are paying.
To put that in perspective:
- The suburb average for Dalyellup is $1,479/yr — this quote is 43% cheaper
- The suburb median sits at $1,204/yr — still significantly higher than $846
- Even the 25th percentile (the cheapest quarter of quotes in the suburb) comes in at $1,085/yr, meaning this policy undercuts even the budget end of the local market
For a home and contents policy covering over $700,000 in combined value, landing at $846 annually is genuinely impressive. The building excess is $2,000 and the contents excess is $1,000 — both reasonable figures that reflect a standard risk profile rather than a heavily discounted policy with punishing out-of-pocket costs buried in the fine print.
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How Dalyellup Compares
Zooming out beyond the suburb reveals just how well-priced this quote really is. Based on data from CoverClub's Dalyellup insurance stats (drawn from 45 local quotes), the suburb itself is already relatively affordable compared to broader benchmarks:
| Benchmark | Annual Premium |
|---|---|
| This Quote | $846 |
| Dalyellup Suburb Average | $1,479 |
| Dalyellup Suburb Median | $1,204 |
| LGA (Dardanup) Average | $1,637 |
| 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 striking — at $846, this homeowner is paying less than 29 cents in the dollar compared to the typical Australian. Even against the WA state median of $1,944, this policy represents a saving of over $1,100 per year.
Part of this reflects Dalyellup's favourable risk profile as a relatively new, planned suburb in the Dardanup LGA south of Bunbury. The area isn't classified as a cyclone risk zone, flood exposure is limited, and the suburb's newer housing stock tends to attract better pricing from insurers.
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Property Features That Affect Your Premium
Several characteristics of this property work in the homeowner's favour when it comes to pricing:
Double Brick Construction Double brick is widely regarded by Australian insurers as one of the most resilient wall materials available. It offers excellent fire resistance, structural durability, and lower susceptibility to storm damage — all factors that reduce an insurer's expected claims cost. Compared to lightweight timber or clad construction, double brick homes consistently attract lower premiums.
Steel/Colorbond Roof A Colorbond steel roof is another tick in the insurer's favour. It's non-combustible, highly durable, and performs well in high-wind events. Unlike terracotta or concrete tiles, Colorbond doesn't crack or dislodge easily, reducing the likelihood of storm-related claims.
Slab Foundation & Tile Flooring A concrete slab foundation is stable and resistant to subsidence, particularly relevant in WA's clay-heavy soils. Tile flooring throughout is similarly resilient — it's water-resistant, durable, and straightforward to repair or replace compared to carpet or timber.
Built in 2022 At just a few years old, this home is essentially brand new from an insurer's perspective. Modern builds must comply with current Australian building codes, which include improved cyclone, fire, and structural standards. Newer homes carry a lower risk of maintenance-related claims and are generally cheaper to insure.
Solar Panels Solar panels are a common feature in WA and most insurers now accommodate them under standard building policies. It's worth confirming with your insurer that panels and inverters are explicitly covered under the building sum insured, as coverage can vary between policies.
Ducted Climate Control Ducted air conditioning systems are a significant fixed asset and are typically covered under the building sum insured. This is already factored into the $613,000 building value, but worth noting when reviewing what's included.
No Pool The absence of a swimming pool removes one of the more common sources of liability and maintenance-related claims, which can nudge premiums upward.
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Tips for Homeowners in Dalyellup
1. Review your building sum insured regularly Construction costs in WA have risen sharply in recent years. A 214 sqm double-brick home built in 2022 should be insured for its full rebuild cost — not its market value. Use a building cost calculator or speak to a quantity surveyor to ensure $613,000 still reflects current rebuild costs, particularly as labour and materials pricing continues to shift.
2. Confirm solar panel coverage in your policy documents Solar panels are covered under most building policies, but the specifics matter. Check whether your policy covers accidental damage to panels, inverter failure, and any damage caused by panels (e.g., roof penetration leaks). If you're unsure, ask your insurer directly.
3. Don't over-insure your contents — but don't under-insure either $100,000 in contents cover is a reasonable starting point for a four-bedroom home, but it's worth doing a room-by-room inventory every year or two. Electronics, appliances, furniture, and clothing all add up quickly. Many Australians significantly underestimate their contents value, which can lead to painful shortfalls at claim time.
4. Compare quotes at renewal, not just when you first buy Even with a great rate like this one, insurance markets shift. Insurers reprice risk annually, and what's cheap today may not be the best deal in 12 months. Setting a reminder to compare quotes before your renewal date takes only a few minutes and could save you hundreds.
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Find Your Own Competitive Quote
Whether you're a Dalyellup local or researching home insurance across the Bunbury region, CoverClub makes it easy to compare real quotes from multiple insurers in one place. See how your own property stacks up — get a home insurance quote at CoverClub and find out if you're paying a fair price.