If you own a free standing home in Ellenbrook, WA 6069, you're probably wondering whether the home and contents insurance premium sitting in your inbox is a fair deal — or whether you're paying more than you need to. This article breaks down a real quote for a four-bedroom, two-bathroom property in the suburb, comparing it against local, state-wide, and national benchmarks so you can make a genuinely informed decision.
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Is This Quote Fair?
The quote in question comes in at $2,227 per year (or $213/month) for combined home and contents cover, with a $1,000 excess on both building and contents. The building is insured for $1,000,000 and contents are covered to $99,000.
Based on CoverClub's pricing data, this quote is rated Expensive — above average for the area.
To put that in perspective: the average home and contents premium across Ellenbrook sits at just $1,445 per year, with a median of $1,301. That means this particular quote is roughly 54% higher than the suburb average and 71% above the suburb median — a significant gap that's worth interrogating before you sign on the dotted line.
That said, context matters. The quote isn't outlandishly priced when viewed against the broader Western Australian market, where the state average sits at $2,144/yr and the median at $1,944/yr. Against those benchmarks, this premium is only modestly above average — suggesting the insurer may be pricing this property more in line with state-level risk factors than hyper-local ones.
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How Ellenbrook Compares
Here's a clear picture of where this quote lands across different geographic benchmarks:
| Benchmark | Premium |
|---|---|
| This Quote | $2,227/yr |
| Ellenbrook Suburb Average | $1,445/yr |
| Ellenbrook Suburb Median | $1,301/yr |
| Ellenbrook 25th Percentile | $1,143/yr |
| Ellenbrook 75th Percentile | $1,665/yr |
| Swan LGA Average | $1,663/yr |
| WA State Average | $2,144/yr |
| WA State Median | $1,944/yr |
| National Average | $2,965/yr |
| National Median | $2,716/yr |
A few things stand out here. First, Ellenbrook is a relatively affordable suburb to insure — its median of $1,301 is well below both the WA state median of $1,944 and the national median of $2,716. That's good news for homeowners in the area generally.
Second, this quote sits above the suburb's 75th percentile ($1,665), meaning it's more expensive than at least three-quarters of comparable quotes obtained for Ellenbrook properties. That's a meaningful signal that there may be room to shop around.
Third, compared to the national average, this quote is actually quite reasonable — nearly $740 cheaper per year than what Australian homeowners pay on average. So while it's expensive for Ellenbrook specifically, it's not out of step with broader market conditions.
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Property Features That Affect Your Premium
Several characteristics of this property will be influencing the premium — some favourably, some less so.
Double brick construction is generally viewed positively by insurers. It's durable, fire-resistant, and holds up well in storms, which can translate to lower rebuild risk. Combined with a slab foundation, this is a solid, low-maintenance structural profile that most insurers are comfortable with.
The Colorbond steel roof is another tick in the right column. Steel roofing is long-lasting, low-maintenance, and performs well in high-wind conditions. It's a popular choice across WA's newer suburbs and is typically priced favourably compared to older tile roofs.
Solar panels are worth flagging. While they add value to the property and reduce energy costs, they also add to the insured asset's replacement value — and some insurers treat them as an additional risk factor, particularly if they're not explicitly listed in the policy. It's worth confirming your policy covers solar panels for accidental damage and storm events.
Ducted climate control (reverse-cycle ducted air conditioning) is another feature that increases the overall value of the home's fixtures and fittings. Systems like these can cost $10,000–$20,000 or more to replace, and their presence can push premiums upward if they're factored into the building sum insured.
The $1,000,000 building sum insured is notably high for a four-bedroom suburban home — even accounting for today's elevated construction costs. If this figure significantly exceeds the actual cost to rebuild the property from scratch, you may be over-insured, which directly inflates your premium without providing meaningful additional protection. It's worth getting an independent building valuation to sense-check this number.
The property is not in a cyclone risk area, which is a meaningful saving. Parts of WA attract significant cyclone loading on premiums, so Ellenbrook's inland location works in homeowners' favour here.
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Tips for Homeowners in Ellenbrook
1. Review your building sum insured carefully. A $1,000,000 building sum insured may be more than necessary for a 2014-built suburban home in Ellenbrook. Use a professional quantity surveyor or an online rebuild cost calculator to determine the actual replacement cost. Over-insuring is a common and costly mistake.
2. Compare at least three quotes before renewing. Given that this quote sits above the suburb's 75th percentile, it's clear that cheaper options exist in the market. Use a comparison tool like CoverClub to see multiple quotes side by side without having to ring around individually.
3. Ask your insurer about solar panel cover. Solar panels are increasingly common in WA, but not all policies cover them comprehensively. Confirm whether your panels are covered under the building section, what events are included (storm, hail, accidental damage), and whether there are any exclusions related to inverter failure.
4. Consider a higher excess to reduce your premium. The current excess is set at $1,000 for both building and contents. If you have the financial capacity to cover a larger out-of-pocket expense in the event of a claim, increasing your excess to $2,000 or even $2,500 can meaningfully reduce your annual premium — sometimes by 10–20%.
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Ready to Find a Better Deal?
If this quote has left you wondering whether you're getting value for money, you're not alone. The good news is that shopping around in Ellenbrook can make a real difference — the gap between the cheapest and most expensive quotes in the suburb is substantial.
Head to CoverClub to compare home and contents insurance quotes for your Ellenbrook property in minutes. It's free, straightforward, and could save you hundreds of dollars a year.