Ellenbrook is one of Perth's most established master-planned communities, sitting in the City of Swan roughly 25 kilometres north-east of the CBD. It's a suburb of tidy family homes, well-maintained streetscapes, and a strong sense of community — and like any suburb, home insurance costs here tell an interesting story. This article breaks down a real home and contents insurance quote for a four-bedroom, two-bathroom free-standing home in Ellenbrook (postcode 6069), and puts it in context against local, state, and national benchmarks.
---
Is This Quote Fair?
The quote in question comes in at $1,394 per year (or $137 per month) for combined home and contents cover, with a building sum insured of $705,000 and contents valued at $50,000. The building excess sits at $2,000, and the contents excess at $600.
Our price rating for this quote is FAIR — Around Average, and the data backs that up. The suburb average premium for Ellenbrook is $1,445 per year, meaning this quote lands just $51 below what most comparable properties in the area are paying. It also sits comfortably within the middle band of the market — above the 25th percentile of $1,143 and below the 75th percentile of $1,665 — which is exactly where you'd expect a well-specified, mid-range policy to land.
That said, "fair" doesn't mean "the best available." There's clearly room to move — some Ellenbrook homeowners are paying as little as $1,143 annually for similar cover. Whether you can achieve that depends on your insurer, your policy structure, and the specific features of your property.
---
How Ellenbrook Compares
One of the most striking takeaways from this quote is just how affordable Ellenbrook is relative to broader benchmarks. Here's a quick summary:
| Benchmark | Average Premium |
|---|---|
| Ellenbrook (6069) suburb average | $1,445/yr |
| LGA (City of Swan) average | $1,904/yr |
| Western Australia state average | $2,144/yr |
| National average | $2,965/yr |
This quote of $1,394 is 35% below the WA state average and a remarkable 53% below the national average. Even compared to the broader City of Swan LGA average of $1,904, this property is sitting well below the norm.
Why the difference? A few factors are at play. Ellenbrook is not in a cyclone risk zone, which immediately removes one of the biggest premium drivers seen in northern WA and other parts of the country. The suburb also doesn't carry the bushfire exposure of some Perth Hills properties, and it's not subject to the flood risk that pushes up premiums in eastern states. From a risk perspective, Ellenbrook is a relatively benign location — and insurers price accordingly.
Based on 42 quotes sampled across the suburb, the median premium is $1,301 per year. This quote sits slightly above the median, which is consistent with the "around average" rating and likely reflects the property's size, pool, and additional features.
---
Property Features That Affect Your Premium
This particular property has a number of characteristics that insurers weigh carefully when calculating your premium.
Double brick construction is generally viewed favourably by insurers. Brick walls are more resistant to wind damage and fire spread than lightweight alternatives, and this can translate to lower premiums compared to weatherboard or clad homes.
Colorbond steel roofing is another positive. It's durable, low-maintenance, and performs well in the heat and wind conditions typical of Perth summers. Insurers tend to regard it as a lower-risk roofing material compared to older terracotta or concrete tiles.
Slab foundation is standard for Perth homes of this era and doesn't attract any particular loading or discount — it's simply expected for the region.
Swimming pool adds to the replacement cost of the property and introduces some liability considerations, which can nudge premiums upward slightly. Pools are a common feature in Ellenbrook, so insurers in this market are well-accustomed to pricing them in.
Solar panels are increasingly common across WA, but they do add to the insured value of the home. Ensuring your sum insured accounts for the replacement cost of your solar system is important — underinsurance is a real risk if panels aren't factored in properly.
Ducted climate control is another feature that adds to the replacement value of the home. Like solar, it needs to be captured in your sum insured to avoid a shortfall at claim time.
At 244 square metres, this is a comfortably sized family home, and the $705,000 building sum insured reflects a thorough approach to replacement cost — particularly important given current construction costs in Perth.
---
Tips for Homeowners in Ellenbrook
1. Review your sum insured annually Construction costs in Perth have risen significantly in recent years. A sum insured that was accurate two years ago may no longer cover a full rebuild today. Use a building cost calculator or speak with a quantity surveyor to make sure your $705,000 figure remains current.
2. Don't overlook contents underinsurance A $50,000 contents value is on the lower end for a four-bedroom home with standard fittings. Walk through each room and tally up what it would cost to replace everything — furniture, appliances, clothing, electronics — and you may find the real figure is higher than expected.
3. Compare quotes before renewal Your insurer will send a renewal notice, but that doesn't mean it's the best deal available. Based on suburb data, the cheapest quartile of Ellenbrook policies sits around $1,143 per year. Running a fresh comparison at CoverClub before renewing could save you $200 or more annually.
4. Check your excess settings This policy carries a $2,000 building excess. Opting for a higher excess is one of the most straightforward ways to reduce your annual premium — just make sure you could comfortably cover that amount out of pocket if a claim arose. Conversely, if cash flow is a concern, a lower excess with a slightly higher premium may offer better peace of mind.
---
Ready to See What You Could Pay?
Whether you're a new homeowner in Ellenbrook or simply haven't compared your policy in a while, it's worth taking a few minutes to see what the market looks like. CoverClub makes it easy to compare home and contents insurance quotes for your specific property. Get a quote today and find out if you're getting the best deal available — or if there's a better option waiting for you.
You can also explore detailed insurance cost data for Ellenbrook and postcode 6069, the broader Western Australian market, or national benchmarks to get a fuller picture of where your premium sits.