Eglinton is one of Perth's fastest-growing coastal suburbs, sitting in the City of Wanneroo about 40 kilometres north of the CBD. With a wave of new estates and modern homes built in recent years, it's become a popular choice for families seeking space, value, and proximity to the beach. If you own or are buying a free standing home in Eglinton, understanding what you should expect to pay for home and contents insurance is an important part of managing your household budget. This article breaks down a real quote for a 4-bedroom, 2-bathroom home in the suburb — and puts it in context against local, state, and national benchmarks.
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Is This Quote Fair?
The annual premium for this property came in at $1,107 per year (or around $108/month), covering both building and contents. The building is insured for $1,000,000 and contents for $50,000, with a $2,000 building excess and $1,000 contents excess.
Our price rating for this quote is FAIR — Around Average, which is a reasonable result for a well-built modern home. Here's what that means in practice:
- The quote sits above the Eglinton suburb average of $964/yr and above the suburb median of $857/yr.
- However, it falls within the suburb's interquartile range — the middle 50% of quotes in the area range from $615 to $1,138 per year. At $1,107, this premium lands near the top of that band but still within it.
- Compared to the broader WA state average of $2,144/yr, this quote is strikingly competitive — roughly half the state average.
- Against the national average of $2,965/yr, the saving is even more pronounced.
The "Fair" rating reflects that while this isn't the cheapest quote available in Eglinton, it's not out of step with the local market either. The premium is influenced by a range of property-specific factors that we'll explore below.
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How Eglinton Compares
To put this quote in proper perspective, it helps to look at the full picture across different geographic scales. You can explore the raw data yourself on the Eglinton suburb stats page, the WA state stats page, or the national stats page.
| Benchmark | Premium |
|---|---|
| This quote | $1,107/yr |
| Eglinton suburb average | $964/yr |
| Eglinton suburb median | $857/yr |
| LGA (Wanneroo) average | $1,543/yr |
| WA state average | $2,144/yr |
| National average | $2,965/yr |
A few things stand out from this comparison:
- Eglinton is well below the Wanneroo LGA average. Even though this quote is above the suburb's own median, it's still significantly cheaper than the broader Wanneroo average of $1,543/yr. This suggests Eglinton's newer housing stock and lower risk profile are keeping premiums down compared to older parts of the LGA.
- Western Australia is notably cheaper than the national average. WA homeowners pay, on average, around $820/yr less than the national figure. This is partly because WA (outside of the north-west) avoids the cyclone and severe flood risk that drives up premiums in Queensland and parts of northern Australia.
- The sample size of 45 quotes from Eglinton gives us a solid basis for comparison — enough data to draw meaningful conclusions about where this quote sits in the local market.
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Property Features That Affect Your Premium
Insurance pricing isn't arbitrary — every detail of a property feeds into the risk calculation. Here's how the specific features of this home influence what you pay:
Double Brick Construction Double brick is generally viewed favourably by insurers. It's durable, fire-resistant, and performs well structurally compared to brick veneer or timber-framed homes. This construction type can contribute to a more competitive premium.
Colorbond Steel Roof Steel roofing is another tick in the "low risk" column. Colorbond is resistant to fire, won't crack or break like tiles, and holds up well in high-wind conditions. It's a popular choice in WA's coastal suburbs and is typically well-regarded by underwriters.
Slab Foundation A concrete slab foundation is standard for modern Perth builds and generally presents minimal risk from a structural standpoint. It's less susceptible to subsidence or termite damage compared to older suspended timber subfloors.
Built in 2022 New homes attract better premiums for good reason — everything from the electrical wiring to the plumbing meets current building codes, and there's minimal wear and tear. A 2022 build is about as low-risk as it gets from an insurer's perspective.
Swimming Pool The presence of a pool adds a small amount of complexity to the policy. Pools can increase liability exposure and require specific coverage for the pool structure and equipment. It's worth confirming your policy explicitly covers pool-related damage and liability.
Ducted Climate Control Ducted air conditioning is a significant fixed asset and adds to the overall replacement cost of the building. It's one reason why a higher building sum insured may be warranted, and it can nudge the premium upward slightly.
Timber/Laminate Flooring Timber and laminate floors can be costly to replace, particularly if water damage is involved. Insurers factor in flooring type when assessing the cost to rebuild or repair.
214 sqm Building Size At 214 square metres, this is a comfortably sized family home. Larger floor areas mean higher rebuild costs, which is reflected in the $1,000,000 sum insured.
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Tips for Homeowners in Eglinton
Whether you're reviewing an existing policy or shopping for the first time, here are some practical steps to make sure you're getting good value:
- Check your sum insured regularly. Construction costs in Perth have risen sharply in recent years. A sum insured that was adequate when you first took out your policy may no longer reflect the true cost to rebuild. Use a building cost calculator or speak to a quantity surveyor if you're unsure.
- Review your contents cover. $50,000 in contents cover is a starting point, but it's easy to underestimate what you own. Do a room-by-room inventory — don't forget outdoor furniture, tools in the garage, and items in the pool area — to make sure you're not underinsured.
- Consider your excess carefully. A $2,000 building excess is on the higher side. While a higher excess reduces your annual premium, it also means a larger out-of-pocket cost if you need to make a claim. Make sure the excess level aligns with what you could comfortably afford in an emergency.
- Compare quotes annually. The insurance market changes, and loyalty doesn't always pay. Spending 10 minutes comparing quotes at renewal time can make a meaningful difference to what you pay — especially in a suburb like Eglinton where there's a wide spread between the 25th and 75th percentile premiums ($615 to $1,138/yr).
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Ready to Find a Better Deal?
Whether this quote looks right for your situation or you think there's room to do better, it pays to compare. At CoverClub, you can get home and contents insurance quotes tailored to your property in Eglinton — and see exactly how they stack up against the market. It takes just a few minutes and could save you hundreds of dollars a year.