If you own a free standing home in Djugun, WA 6725, you already know that insuring a property in the Kimberley region comes with its own unique set of challenges — and costs. This article breaks down a real home and contents insurance quote for a four-bedroom, three-bathroom property in Djugun, comparing it against local, state-wide, and national benchmarks to help you understand whether you're getting a fair deal.
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Is This Quote Fair?
The annual premium for this property came in at $7,141 per year (or $677/month), covering both building (sum insured: $888,000) and contents ($50,000), each with a $5,000 excess. Our analysis rates this quote as FAIR — around average for the area.
That assessment holds up when you look at the numbers. The suburb average premium for Djugun sits at $6,990/year, and the median is $7,159/year — meaning this quote lands almost exactly in the middle of the pack. The 25th percentile of quotes in the suburb comes in at $6,013/year, while the 75th percentile reaches $7,444/year. At $7,141, this premium falls comfortably within the interquartile range, suggesting it's neither a standout bargain nor an outlier.
For homeowners in Djugun, a "fair" rating is arguably a reasonable outcome given the elevated risk profile of the region. Cyclone exposure, remoteness, and the cost of rebuilding in the Kimberley all push premiums well above what most Australians pay.
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How Djugun Compares
The price gap between Djugun and the broader market is striking. Here's how this quote stacks up:
| Benchmark | Average Premium | Median Premium |
|---|---|---|
| Djugun (suburb) | $6,990/yr | $7,159/yr |
| Derby-West Kimberley LGA | $7,494/yr | — |
| Western Australia | $2,811/yr | $2,127/yr |
| National | $5,347/yr | $2,764/yr |
Djugun premiums are roughly 2.5× the WA state average and sit well above the national average of $5,347/year. Interestingly, the suburb average is slightly below the broader Derby-West Kimberley LGA average of $7,494/year, which may reflect Djugun's status as a more established residential area within the Broome corridor compared to more remote parts of the LGA.
The gap between WA's state average ($2,811) and Djugun's average ($6,990) is largely driven by cyclone risk — the vast majority of WA properties sit in the south of the state, well outside cyclone-prone zones. When you look at WA home insurance statistics, the premium distribution skews heavily toward the north, where properties like this one face a fundamentally different risk environment.
Nationally, the picture is similar. The national median premium of $2,764/year is less than half what Djugun homeowners typically pay, reflecting how significantly cyclone exposure, regional remoteness, and higher rebuild costs inflate premiums in Australia's north-west. You can explore the full Djugun suburb insurance statistics to dig deeper into local pricing trends.
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Property Features That Affect Your Premium
Several characteristics of this property directly influence what insurers charge. Understanding them can help you have more informed conversations with providers.
Cyclone Risk Zone
This is the single biggest factor. Djugun sits within a designated cyclone risk area, and insurers price that in significantly. Cyclone cover typically adds a substantial loading to premiums in northern WA, and many policies include specific cyclone-related conditions or sub-limits.
Aluminium Walls and Colorbond Roof
The external walls are aluminium and the roof is steel/Colorbond — both materials that perform reasonably well in high-wind events. Colorbond roofing in particular is widely used in cyclone-prone regions for its durability and resistance to uplift when properly installed. These construction materials may be viewed more favourably by insurers compared to, say, weatherboard or fibrous cement in a cyclone zone.
Slab Foundation and Tile Flooring
A concrete slab foundation is generally considered low-risk from an insurance perspective — there's no underfloor space to flood or deteriorate, and the structure tends to be more stable. Tile flooring similarly reduces risk associated with water damage claims compared to timber or carpet.
Swimming Pool
A pool adds to the insured value of the property and introduces some liability considerations. It also contributes to the overall sum insured, which at $888,000 reflects the true cost of rebuilding a quality home of this size in a remote regional location.
Solar Panels and Ducted Climate Control
Both solar panels and ducted air conditioning are listed as features, and both add to the replacement value of the home. In cyclone-prone areas, solar panels can also be a specific risk item — panels that aren't properly rated or secured can become projectiles or sustain damage during severe weather events. Some insurers assess these separately.
Building Size: 214 sqm
At 214 square metres, this is a generously sized family home. Combined with standard-quality fittings, the $888,000 sum insured works out to approximately $4,150 per square metre — a figure that reflects the premium cost of construction and materials in remote WA.
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Tips for Homeowners in Djugun
1. Review your cyclone preparedness and let your insurer know Some insurers offer discounts or more favourable terms for homes with cyclone-rated shutters, reinforced garage doors, or roofs that meet higher wind ratings. If you've made upgrades since your last renewal, it's worth flagging them.
2. Check your sum insured annually Construction costs in regional WA have risen sharply in recent years. Make sure your $888,000 building sum insured still reflects the true cost of rebuilding — underinsurance is a real risk, especially in remote areas where labour and materials carry a significant premium.
3. Consider your excess carefully Both the building and contents excess on this policy are set at $5,000. A higher excess typically reduces your annual premium, but in a cyclone-prone area where a single event could trigger a large claim, you want to make sure that excess is genuinely affordable in an emergency scenario.
4. Compare at renewal, not just when something goes wrong With only a small sample of quotes available in the Djugun area, the market here is narrower than in major cities — but that makes comparison even more important. Premiums can vary significantly between insurers for the same property, and loyalty doesn't always pay off. Use renewal time as a trigger to shop around.
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Compare Home Insurance Quotes in Djugun
Whether this quote reflects your own situation or you're simply trying to understand what's typical for the area, the best way to find value is to compare. At CoverClub, we make it easy to see multiple quotes side by side so you can make a confident, informed decision. Get a home insurance quote today and find out where your premium sits relative to your neighbours.