If you own a free standing home in Deepdale, WA 6532, you might be wondering whether your home insurance premium is competitive — or whether you're quietly paying too much year after year. To help answer that question, we've analysed a real insurance quote for a three-bedroom, one-bathroom free standing home in this coastal Mid West region of Western Australia, and compared it against state and national benchmarks.
Here's what we found.
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Is This Quote Fair?
The annual premium for this property came in at $2,216 per year (or $212 per month), covering both building and contents. The building is insured for $743,000, with contents covered at $50,000, and a $1,000 excess applies to both building and contents claims.
Our price rating for this quote is CHEAP — below average — which is genuinely good news for the homeowner. In a market where insurance premiums have been climbing steadily across Australia, landing below the typical range is a meaningful outcome.
To put it in perspective: the WA state average premium sits at $2,811 per year, while the national average is a considerably higher $5,347 per year. This quote comes in roughly $595 below the WA average and a substantial $3,131 below the national average. Even against the more conservative national median of $2,764, this premium holds up well.
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How Deepdale Compares
Understanding where your suburb sits relative to broader benchmarks is key to knowing whether your quote is truly competitive. Here's how the numbers stack up:
| Benchmark | Annual Premium |
|---|---|
| This Quote | $2,216 |
| WA State Median | $2,127 |
| WA State Average | $2,811 |
| National Median | $2,764 |
| National Average | $5,347 |
| Shark Bay LGA Average | $5,859 |
One figure that stands out immediately is the Shark Bay LGA average of $5,859 per year — more than double the premium on this quote. The LGA average can be heavily influenced by higher-risk properties, coastal exposure, and remoteness factors that drive up claims costs in the broader region. The fact that this Deepdale property is rated well below that LGA average suggests the specific property characteristics are working in the homeowner's favour.
For suburb-specific data and trends, you can explore the Deepdale insurance stats page for more context.
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Property Features That Affect Your Premium
Insurance pricing isn't arbitrary — it's driven by a detailed assessment of the property itself. Several features of this home are likely contributing to the competitive premium.
Concrete Walls and Roof
This home features concrete external walls and a concrete roof, both of which are considered highly durable construction materials by insurers. Concrete is resistant to fire, rot, and many weather-related hazards, which typically translates to lower risk in the eyes of underwriters. Compared to timber-framed homes with Colorbond or tile roofs, a fully concrete construction can attract more favourable pricing.
Slab Foundation
A concrete slab foundation is one of the most common and well-regarded foundation types in Western Australia. It offers stability and is less susceptible to subsidence or moisture-related damage than pier-and-beam alternatives, which can be a factor in premium calculations.
Construction Era
Built in 1985, this home sits in a middle ground for insurers. It's old enough that some wear and tear is expected, but not so old that it falls into the category of heritage or pre-standard construction. Homes from this era in WA were generally built to reasonable standards, and with concrete construction, the longevity risk is reduced.
No Pool, No Solar Panels
The absence of a swimming pool removes a liability and maintenance risk that insurers often price into premiums. Similarly, no solar panels means there's no additional risk associated with rooftop electrical systems, inverters, or panel-related fire hazards.
Ducted Climate Control
The property does include ducted climate control, which is a notable inclusion. This system adds to the replacement value of the home and could contribute slightly to the overall premium, but it's a standard feature in many WA homes and is unlikely to be a major pricing driver on its own.
No Cyclone Risk
Deepdale is not classified as a cyclone risk area, which is a significant factor. Properties in northern WA cyclone zones can attract dramatically higher premiums due to the catastrophic damage potential of severe tropical weather. Being outside this zone keeps the risk profile — and the premium — more manageable.
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Tips for Homeowners in Deepdale
Even with a competitive quote in hand, there are always ways to make sure you're getting the best value from your home insurance.
- Review your sum insured annually. Building costs have risen significantly across Australia over the past few years. Make sure your $743,000 building sum insured still reflects the true cost to rebuild your home from scratch — not just its market value. Underinsurance is one of the most common and costly mistakes homeowners make.
- Consider whether your contents cover is adequate. A $50,000 contents sum may be sufficient for a modest three-bedroom home, but it's worth doing a room-by-room audit of your belongings. Electronics, appliances, furniture, clothing, and jewellery can add up quickly. Many Australians discover they're underinsured on contents only after a claim.
- Ask about bundling discounts. If you hold other insurance policies — such as car insurance — with the same provider, you may be eligible for a multi-policy discount. It's always worth asking, even if it's not advertised upfront.
- Don't set and forget. Insurance markets shift, and the cheapest quote today may not be the best value next year. Set a reminder to compare your renewal premium against the market at least once a year. Even a 10–15 minute comparison exercise can save you hundreds of dollars.
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Compare Your Home Insurance Quote Today
Whether you're a first-time buyer or a long-term homeowner in Deepdale, it pays to know where your premium stands. CoverClub makes it easy to compare home and contents insurance quotes from a range of Australian insurers in one place — so you can see exactly what you're getting and whether you can do better.
Get a home insurance quote at CoverClub and find out if there's a better deal waiting for you.