Dawesville is a coastal suburb sitting on the Mandurah peninsula in Western Australia, known for its canals, estuary access, and relaxed lifestyle. For homeowners in this sought-after pocket of the Peel region, understanding what you're paying for home insurance — and whether it's a fair deal — is just as important as finding the right property. This article takes a close look at a real home and contents insurance quote for a seven-bedroom semi detached property in Dawesville (postcode 6211), breaking down the numbers and what they mean for you.
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Is This Quote Fair?
The quote in question comes in at $1,226 per year (or $125 per month) for combined home and contents cover, with a building sum insured of $217,000 and contents cover of $26,000. The building excess is set at $3,000, with a separate $1,000 excess applying to contents claims.
Our price rating for this quote is FAIR — Around Average. That might sound underwhelming, but in context it's actually a reasonably solid outcome. The quote sits above the suburb's 25th percentile of $1,013/yr, meaning it's not the cheapest available, but it's comfortably below the suburb average of $1,935/yr and the suburb median of $1,742/yr. In other words, this homeowner is paying less than what most comparable properties in the area are quoted.
The higher building excess of $3,000 is worth noting — this is likely one of the factors keeping the annual premium down. A lower excess would typically push the premium higher, so it's a trade-off worth understanding before you commit to a policy.
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How Dawesville Compares
To put this quote in proper perspective, it helps to look at the broader pricing landscape. You can explore the full local data on the Dawesville suburb stats page.
| Benchmark | Premium |
|---|---|
| This quote | $1,226/yr |
| Suburb 25th percentile | $1,013/yr |
| Suburb median | $1,742/yr |
| Suburb average | $1,935/yr |
| Suburb 75th percentile | $2,262/yr |
| LGA (Waroona) average | $2,254/yr |
| WA state average | $2,811/yr |
| National average | $5,347/yr |
The numbers tell an interesting story. At $1,226/yr, this quote is 36% below the suburb median and 57% below the WA state average of $2,811/yr. Compared to the national average of $5,347/yr, it's a fraction of the cost — though it's important to acknowledge that national averages are heavily skewed by high-risk areas like cyclone-prone parts of Queensland and Northern Australia.
Still, even against the WA state median of $2,127/yr, this quote looks competitive. The Waroona LGA average of $2,254/yr further reinforces that this property is being quoted well below what's typical for the region.
The suburb sample size of 38 quotes gives us reasonable confidence in these local benchmarks — it's not a huge dataset, but it's enough to draw meaningful comparisons.
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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 is generally viewed favourably by insurers. It's a durable, fire-resistant material that performs well structurally and tends to attract lower premiums compared to timber-framed or clad homes. Combined with a Colorbond steel roof, which is lightweight, corrosion-resistant, and long-lasting, this property has a solid risk profile from a building materials standpoint.
The slab foundation is another positive — slab homes are typically less susceptible to subsidence and pest-related damage compared to homes on stumps or piers, which can reduce risk in the eyes of underwriters.
Timber and laminate flooring is worth mentioning as a contents consideration. These materials can be more expensive to replace than carpet, so it's worth ensuring your contents sum insured adequately accounts for flooring if it's included in your policy's definition of contents (this varies by insurer — always check the Product Disclosure Statement).
The property's ducted climate control system adds value to the building and is a fixed inclusion in most building policies, which is appropriate given it's a permanent fixture. With a building sum insured of $217,000 for a 130 sqm home, the insured value works out to roughly $1,669 per square metre — a figure that sits within a reasonable range for a double brick semi detached built in 2003, though homeowners should periodically review this figure against current construction costs.
The absence of a pool and solar panels simplifies the risk profile and removes two common sources of additional premium loading.
Importantly, Dawesville is not classified as a cyclone risk area, which is a significant factor in keeping premiums lower than many other parts of coastal WA and northern Australia.
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Tips for Homeowners in Dawesville
1. Review your building sum insured regularly Construction costs in WA have risen considerably in recent years. A sum insured of $217,000 for a 130 sqm double brick home may be adequate today, but it's worth checking against a building cost calculator annually to ensure you're not underinsured. Underinsurance can leave you significantly out of pocket after a major claim.
2. Consider whether your excess is working for you This policy carries a $3,000 building excess — higher than many standard policies. While it helps reduce the annual premium, it means you'll need to cover the first $3,000 of any building claim yourself. If you'd struggle to absorb that cost, it may be worth requesting a lower excess quote, even if the premium rises slightly.
3. Don't overlook contents cover At $26,000, the contents sum insured is relatively modest for a seven-bedroom property. Even with standard fittings, the combined value of furniture, appliances, clothing, and personal items across multiple rooms can add up quickly. Consider doing a room-by-room inventory to confirm this figure is sufficient.
4. Compare quotes before renewal A FAIR rating means this quote is around average — but that also means there's a reasonable chance a better price exists elsewhere for comparable cover. Insurers reprice regularly, and loyalty doesn't always pay. Use a comparison tool at renewal time to make sure you're still getting value.
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Compare Your Options at CoverClub
Whether you're a first-time buyer in Dawesville or a long-term homeowner reassessing your cover, comparing quotes is the single most effective way to ensure you're not overpaying. At CoverClub, we make it easy to see how your premium stacks up against real data from your suburb and across Australia. Get a home insurance quote today and find out if you could be paying less for the same level of protection.