If you own a free standing home in Devereux Creek, QLD 4753, you're probably aware that home insurance in regional Queensland can be a significant household expense. This article breaks down a real home and contents insurance quote for a two-bedroom property in the suburb, benchmarks it against local, state, and national data, and offers practical tips to help you get the best value cover.
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Is This Quote Fair?
The quote in question comes in at $3,018 per year (or $302/month) for combined home and contents cover, with a building sum insured of $378,000 and contents valued at $50,000. 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 assessment holds up well when you dig into the numbers. Compared to the suburb average of $3,513/year, this quote sits roughly $495 below average, which is a meaningful saving. Against the suburb median of $2,713/year, the quote is somewhat higher, though still comfortably within the middle of the market range.
Given the property's location in a designated cyclone risk area, a premium around the $3,000 mark is actually quite competitive. Cyclone-prone postcodes across Queensland routinely attract significant loading on premiums, so landing in the "fair" band here is a reasonable outcome for this type of property.
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How Devereux Creek Compares
Understanding where your premium sits relative to broader benchmarks is one of the most useful things you can do as a homeowner. Here's how this quote stacks up:
| Benchmark | Premium |
|---|---|
| This quote | $3,018/yr |
| Suburb average (4753) | $3,513/yr |
| Suburb median (4753) | $2,713/yr |
| Suburb 25th percentile | $2,363/yr |
| Suburb 75th percentile | $4,375/yr |
| LGA average (Mackay) | $8,458/yr |
| QLD state average | $9,129/yr |
| QLD state median | $3,903/yr |
| National average | $5,347/yr |
| National median | $2,764/yr |
> Suburb data is based on a sample of 7 quotes. For more detail, visit the [Devereux Creek insurance stats page](https://coverclub.com.au/stats/QLD/4753/devereux-creek).
A few things stand out here. The LGA average for Mackay is a striking $8,458/year — nearly three times this quote. Similarly, the QLD state average of $9,129/year reflects the enormous variability in premiums across the state, driven largely by high-risk coastal and cyclone-affected areas. This property's quote of $3,018 is well below both of those figures, suggesting either favourable property characteristics, a competitive insurer, or both.
It's also worth noting that the national average of $5,347/year is considerably higher than this quote, though the national median of $2,764 is closer. For a fuller picture of how Queensland compares to the rest of the country, see the QLD insurance stats overview and the national home insurance statistics page.
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Property Features That Affect Your Premium
Several characteristics of this property have a direct bearing on what insurers charge. Here's what's relevant:
Cyclone Risk Area
This is arguably the single biggest factor. Devereux Creek falls within a designated cyclone risk zone, which typically results in higher base premiums and sometimes specific cyclone excess conditions. The fact that this quote remains relatively moderate is a positive sign.
Steel / Colorbond Roof
Colorbond roofing is generally viewed favourably by insurers. It's durable, fire-resistant, and performs well in high-wind events — all of which can work in your favour at renewal time.
Slab Foundation & Tile Flooring
A concrete slab foundation is considered a stable, low-risk base by most insurers. Combined with tile flooring, which is resistant to water damage and easy to replace, this property profile tends to attract more competitive pricing than homes with timber stumps or carpet throughout.
Solar Panels
The property has solar panels installed. Most standard home insurance policies cover solar panels as part of the building, but it's worth confirming this with your insurer. Panels represent a meaningful asset and should be accounted for in your building sum insured.
Construction Year (2006) & Building Size (139 sqm)
A home built in 2006 is relatively modern and likely complies with building codes introduced after Cyclone Larry (2006), which significantly tightened construction standards in Queensland. At 139 sqm, the building size is modest, which generally keeps replacement costs — and therefore premiums — lower than larger homes.
Standard Fittings
The fittings quality is listed as standard, which is the most common category. High-end or custom fittings (such as stone benchtops, designer fixtures, or imported tiles) can push premiums up, so standard fittings help keep costs in check.
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Tips for Homeowners in Devereux Creek
1. Review Your Building Sum Insured Regularly
Construction costs in Queensland have risen sharply in recent years. A sum insured of $378,000 for a 139 sqm home works out to roughly $2,720/sqm — which is within a reasonable range, but worth revisiting annually. Underinsurance is a real risk; if rebuilding costs exceed your sum insured, you'll be out of pocket for the difference.
2. Confirm Your Cyclone Excess Conditions
Many policies in cyclone-prone areas include a separate, higher cyclone excess (sometimes a percentage of the sum insured rather than a fixed dollar amount). Make sure you understand exactly what applies before a weather event — not after.
3. Check That Solar Panels Are Covered
Ask your insurer explicitly whether your solar panel system is included in the building cover, and whether the inverter (often located inside the home) is also covered. Some policies treat panels as a separate item requiring endorsement.
4. Compare at Renewal, Not Just at Purchase
Insurance loyalty rarely pays off. Premiums can shift significantly from year to year, and the market for cyclone-area properties has been evolving. Running a fresh comparison at each renewal — even if you ultimately stay with your current insurer — is one of the simplest ways to avoid overpaying.
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Ready to Compare Home Insurance in Devereux Creek?
Whether you're reviewing your current policy or shopping for cover on a new property, CoverClub makes it easy to see what the market looks like for your specific address. Get a home insurance quote today and find out how your premium stacks up against real data from your suburb and beyond.