If you own a free standing home in Dawesville, WA 6211, you're likely no stranger to the balancing act of protecting your property without overpaying for cover. Nestled along the Peel-Harvey coastline south of Mandurah, Dawesville is a sought-after suburb known for its waterways, golf courses, and relaxed coastal lifestyle. But like any homeowner, understanding whether your insurance premium is reasonable — or whether you're leaving money on the table — takes a little digging.
This article breaks down a real home and contents insurance quote for a 3-bedroom, 1-bathroom free standing home in Dawesville, comparing it against local, state, and national benchmarks to help you make a more informed decision.
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Is This Quote Fair?
The annual premium for this property came in at $2,176 per year (or roughly $209/month), covering both building (insured for $373,000) and contents (valued at $132,000), each with a $2,000 excess.
Our price rating for this quote is FAIR — Around Average, and the data backs that up. At $2,176/yr, this premium sits comfortably within the middle band of what Dawesville homeowners are paying. It's above the suburb median of $1,742/yr but falls below the 75th percentile of $2,262/yr, meaning roughly three-quarters of comparable quotes in the area are at or below this price point.
In other words, this isn't a bargain-basement deal, but it's also far from the most expensive quote you'll find on the market. For a combined home and contents policy with a $373k building sum insured, it represents reasonable value — particularly given the construction characteristics of the property.
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How Dawesville Compares
To put this quote in proper context, it helps to zoom out and look at the broader picture. Here's how premiums stack up across different levels:
| Benchmark | Premium |
|---|---|
| This Quote | $2,176/yr |
| Dawesville Suburb Average | $1,935/yr |
| Dawesville Suburb Median | $1,742/yr |
| Dawesville 25th Percentile | $1,013/yr |
| Dawesville 75th Percentile | $2,262/yr |
| Waroona LGA Average | $2,254/yr |
| WA State Average | $2,811/yr |
| WA State Median | $2,127/yr |
| National Average | $5,347/yr |
| National Median | $2,764/yr |
(Based on [38 quotes collected for Dawesville](https://coverclub.com.au/stats/WA/6211/dawesville))
A few things stand out here. First, this quote is $635/yr below the WA state average of $2,811/yr — a meaningful saving that reflects Dawesville's relatively moderate risk profile compared to higher-risk WA postcodes. Second, it's dramatically lower than the national average of $5,347/yr, though that figure is heavily skewed by high-premium states like Queensland and NSW where cyclone, flood, and bushfire risks push costs up significantly.
Compared to the broader WA market, Dawesville homeowners generally enjoy more affordable premiums, and this quote aligns with that trend. You can explore national insurance benchmarks here if you'd like to see how WA compares to the rest of the country.
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Property Features That Affect Your Premium
Insurance underwriters don't just look at your postcode — they assess the specific characteristics of your home. Here's how the features of this property likely influence its premium:
Weatherboard Timber Walls
Weatherboard wood construction is common in homes built in the 1980s and 1990s across regional WA. While it has great aesthetic appeal, timber is generally considered a higher fire risk than brick veneer or double brick, which can push premiums slightly higher. Insurers may also factor in the cost of sourcing and replacing timber cladding in the event of a claim.
Steel/Colorbond Roof
Colorbond roofing is widely regarded favourably by insurers. It's durable, fire-resistant, and low-maintenance, which can help moderate your premium compared to older tile or asbestos roofing. For a home built in 1995, a Colorbond roof in reasonable condition is a positive signal to underwriters.
Concrete Slab Foundation
A slab foundation is generally considered stable and low-risk, particularly in coastal sandy soil environments like Dawesville. It eliminates the concerns associated with raised timber subfloors (such as pest damage or moisture ingress), which can work in your favour at renewal time.
Solar Panels
This property has solar panels installed — a feature that's become increasingly common across WA. Solar panels add to the replacement value of your home, so it's important to ensure your building sum insured ($373,000 in this case) adequately accounts for the cost of reinstalling your system. Under-insuring your building could leave you out of pocket if panels are damaged in a storm or fire.
No Pool, No Ducted Climate Control
The absence of a pool removes a common liability consideration, while no ducted air conditioning means fewer complex mechanical systems to factor into contents or building replacement costs. Both keep the risk profile relatively clean.
Standard Fittings
Standard-grade fittings (as opposed to premium or high-end) generally attract lower premiums, as replacement costs are more predictable and less expensive. This is a sensible baseline for most suburban homes.
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Tips for Homeowners in Dawesville
Whether you're renewing your current policy or shopping around for the first time, here are some practical steps to make sure you're getting the best deal:
- Review your building sum insured annually. Construction costs in WA have risen significantly in recent years. With a weatherboard home and solar panels, make sure your $373,000 sum insured reflects current rebuild costs — not just the original purchase price. A shortfall could be costly at claim time.
- Consider raising your excess to lower your premium. Both the building and contents excess on this policy sit at $2,000. If you have the financial buffer to absorb a higher excess (say $2,500–$5,000), many insurers will reduce your annual premium in return. Just make sure it's an amount you could comfortably pay in an emergency.
- Bundle and compare. Home and contents cover is already bundled here, which often delivers a discount compared to holding separate policies. However, it's still worth comparing this combined premium against other providers — even a 10–15% saving translates to $200–$300/yr back in your pocket.
- Maintain your weatherboard cladding. Keeping your timber exterior well-painted and free from rot or pest damage isn't just good home maintenance — it can also support your claim if you ever need to make one. Some insurers may reduce payouts if poor maintenance is deemed a contributing factor to damage.
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Compare Your Options with CoverClub
Whether this quote is the right fit depends on your personal circumstances, risk appetite, and what other providers are offering right now. The smartest move is always to compare. At CoverClub, we make it easy to see how your premium stacks up and find better value cover in minutes.