Ellenbrook is one of Perth's most established master-planned communities, sitting in the City of Swan about 25 kilometres north-east of the CBD. It's a suburb dominated by modern family homes, and a four-bedroom free-standing property here is very much the norm. But how much should you expect to pay to insure one — and is the quote we're analysing today a fair deal? Let's dig into the numbers.
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Is This Quote Fair?
The quote in question covers both building and contents for a 4-bedroom, 2-bathroom home built in 2017, with a building sum insured of $986,000 and contents valued at $111,700. The annual premium comes in at $2,405 per year ($230/month), with a $2,000 excess applying to both building and contents claims.
Our price rating for this quote is Expensive (Above Average).
To put that in context: the average home and contents premium across Ellenbrook currently sits at $1,415 per year, with a median of $1,343. This quote is roughly 70% above the suburb average — a meaningful gap that's worth understanding before simply accepting it.
That said, "expensive" doesn't automatically mean "wrong." A higher-than-average premium can be entirely justified when a property has a high replacement value, premium features, or specific risk factors. With a building sum insured approaching $1 million and above-average fittings, this property is at the upper end of the local market — and insurers price accordingly.
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How Ellenbrook Compares
Here's how this quote stacks up across different benchmarks:
| Benchmark | Premium |
|---|---|
| This Quote | $2,405/yr |
| Ellenbrook Suburb Average | $1,415/yr |
| Ellenbrook Suburb Median | $1,343/yr |
| Ellenbrook 25th Percentile | $997/yr |
| Ellenbrook 75th Percentile | $1,902/yr |
| LGA (City of Swan) Average | $4,057/yr |
| WA State Average | $2,811/yr |
| WA State Median | $2,127/yr |
| National Average | $5,347/yr |
| National Median | $2,764/yr |
(Based on 53 quotes analysed for the Ellenbrook 6069 postcode. View full [Ellenbrook suburb stats](https://coverclub.com.au/stats/WA/6069/ellenbrook), [WA state stats](https://coverclub.com.au/stats/WA), or [national stats](https://coverclub.com.au/stats/national).)
A few things stand out here. While this quote is above the suburb average, it actually sits below both the WA state average ($2,811) and the national average ($5,347). It also falls below the City of Swan LGA average of $4,057 — which is notably high, likely driven by larger or higher-value properties across the broader Swan area.
In other words, while Ellenbrook residents with more modest homes are paying closer to $1,300–$1,400 per year, this particular property's size, value, and features push it into a higher pricing bracket that is still very reasonable by state and national standards.
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Property Features That Affect Your Premium
Several characteristics of this property have a direct influence on its insurance premium — some pushing the cost up, others helping to keep it in check.
Features That May Increase the Premium
- High building sum insured ($986,000): This is the single biggest driver. The more it would cost to rebuild your home, the more an insurer charges to cover that risk. At 214 sqm with above-average fittings and a 2017 build, a replacement cost approaching $1 million is plausible.
- Swimming pool: Pools add liability exposure and increase the overall replacement value of the property. Most insurers factor this into their pricing.
- Above-average fittings quality: Think stone benchtops, quality cabinetry, premium appliances, and high-end fixtures. These cost more to replace, and insurers know it.
- Ducted climate control: A fully ducted air conditioning system is an expensive asset — both to install and to replace if damaged. It contributes to the overall sum insured.
- Contents value ($111,700): This is a solid contents figure, reflecting a well-furnished home. Higher contents values naturally attract higher premiums.
Features That May Help Keep Costs Down
- Double brick construction: Double brick is one of the most resilient building materials available in Australia. It performs well against fire, wind, and impact — all of which insurers view favourably.
- Colorbond steel roof: Modern steel roofing is durable, low-maintenance, and resistant to many weather events. It's generally viewed more positively than older tile or terracotta roofs.
- Slab foundation: Concrete slab is a stable, low-risk foundation type that doesn't carry the subsidence concerns sometimes associated with other foundation styles.
- 2017 construction year: A relatively new home means modern building standards, updated electrical and plumbing systems, and less likelihood of age-related deterioration.
- Not in a cyclone risk area: Ellenbrook sits outside Western Australia's designated cyclone zones, which keeps premiums lower than they would be for comparable homes in the Pilbara or Kimberley regions.
- Solar panels: While solar panels can sometimes complicate claims (particularly for roof damage), many insurers now include them as standard under building cover, and their presence doesn't typically inflate premiums significantly.
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Tips for Homeowners in Ellenbrook
If you're looking to get better value on your home and contents insurance, here are four practical steps worth considering:
- Review your sum insured annually. Building costs in Perth have risen significantly over recent years. If your sum insured is outdated, you could be underinsured — or overpaying for a figure that doesn't reflect reality. Use a professional quantity surveyor or your insurer's rebuild calculator to check.
- Compare quotes before renewal. The gap between the cheapest and most expensive quotes in Ellenbrook spans from around $997 (25th percentile) to $1,902 (75th percentile) — a difference of nearly $900 per year for broadly similar properties. Shopping around at renewal time is one of the most effective ways to reduce your premium. Get a comparison quote at CoverClub.
- Consider your excess strategically. This quote carries a $2,000 excess on both building and contents. Opting for a higher excess can reduce your annual premium — but make sure you could comfortably cover that amount out of pocket if you needed to make a claim.
- Bundle thoughtfully, but verify the savings. Many insurers offer discounts for combining home and contents cover under one policy. That's likely already the case here, but it's worth confirming the bundled price is actually competitive against separate policies from different providers.
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Ready to Compare?
Whether you think this quote looks reasonable or you're convinced you can do better, the only way to know for sure is to compare. CoverClub makes it easy to see what multiple insurers would charge for your specific property — no guesswork, no generic estimates.
Get a home insurance quote for your Ellenbrook property today and find out where you really stand.