Ellenbrook is one of Perth's most established outer-northern suburbs — a family-friendly pocket of the Swan LGA known for its master-planned streets, relatively modern housing stock, and strong community feel. If you own a free standing home here and you're wondering whether your home and contents insurance premium is reasonable, you're not alone. This article breaks down a real quote for a three-bedroom, double brick home in Ellenbrook, compares it against local and national benchmarks, and offers practical tips for getting the best value cover.
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Is This Quote Fair?
The quote in question comes to $1,228 per year (or about $118 per month) for combined home and contents cover, with a $384,000 building sum insured and $50,000 in contents cover. Both the building and contents excess sit at $1,000.
Our price rating for this quote is FAIR — Around Average.
That assessment holds up well under scrutiny. Based on 53 quotes collected for the Ellenbrook 6069 postcode, the suburb average premium sits at $1,415 per year and the median at $1,343 per year. At $1,228, this quote lands below both of those figures — comfortably inside the lower half of the market without being a rock-bottom outlier.
To put it in percentile terms: the 25th percentile for Ellenbrook is $997 per year, and the 75th percentile is $1,902 per year. This quote sits between those two markers, closer to the cheaper end — which is a solid position to be in.
So while there's room to push the premium lower with some smart adjustments (more on that below), this is by no means an overpriced quote for what's on offer.
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How Ellenbrook Compares to WA and the Rest of Australia
The local picture tells one story, but the broader context is where things get really interesting.
| Benchmark | Average Premium | Median Premium |
|---|---|---|
| Ellenbrook (6069) | $1,415/yr | $1,343/yr |
| Western Australia | $2,811/yr | $2,127/yr |
| National | $5,347/yr | $2,764/yr |
| Swan LGA | $4,057/yr | — |
Ellenbrook homeowners are in a genuinely fortunate position compared to much of the country. The WA state average of $2,811 per year is nearly double the Ellenbrook suburb average — and the national average of $5,347 per year is almost four times higher.
Much of that national figure is skewed upward by high-risk areas: cyclone-prone parts of Queensland and the Northern Territory, flood-prone river towns, and bushfire-exposed rural zones all push premiums into the thousands. Ellenbrook, by contrast, sits in a relatively low-risk urban environment — no cyclone rating, no significant flood history in the immediate area — which keeps premiums comparatively modest.
Even within WA, the Swan LGA average of $4,057 per year is striking. That figure is likely influenced by higher-value properties and older homes elsewhere in the LGA dragging the average up. Ellenbrook's newer housing stock and standardised construction tend to attract more competitive pricing from insurers.
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Property Features That Affect Your Premium
Several characteristics of this particular property work in the homeowner's favour when it comes to pricing.
Double brick construction is widely regarded by Australian insurers as one of the most resilient wall types. It offers strong resistance to impact, fire, and general wear — all factors that reduce the likelihood of a claim and, in turn, the cost of cover.
Steel/Colorbond roofing is another tick in the right column. Colorbond is lightweight, highly durable, resistant to corrosion, and performs well in extreme heat — a relevant consideration for Perth summers. It's generally viewed more favourably by insurers than older terracotta or asbestos-cement sheeting.
Slab foundation is standard for homes of this era in Perth's outer suburbs and carries no particular risk premium. Similarly, tile flooring is straightforward to value and replace, with no hidden complexities that might inflate a contents or building claim.
The home was built in 2013, which means it was constructed under relatively modern building codes. Newer homes typically benefit from better waterproofing, updated electrical systems, and improved structural standards — all of which reduce insurer risk.
Solar panels are worth flagging. While they don't dramatically increase premiums in most cases, they do add to the replacement cost of the home and should be explicitly included in the building sum insured. It's worth confirming with your insurer that the panels — and the inverter — are covered under the building policy.
Ducted climate control is another fixed asset that forms part of the building sum insured. As with solar, homeowners should verify it's captured in the $384,000 figure and that the insurer's definition of "building" includes permanently installed systems of this type.
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Tips for Homeowners in Ellenbrook
1. Review your building sum insured annually Construction costs in Perth have risen considerably over recent years. The $384,000 figure used here may be appropriate today, but it should be revisited each renewal period. Underinsurance is one of the most common — and costly — mistakes homeowners make. Use a building cost calculator or ask your insurer to confirm the replacement value reflects current labour and materials costs.
2. Confirm solar panels and ducted systems are covered As noted above, these are fixed assets that may or may not be automatically included depending on how your policy defines "building." Read the Product Disclosure Statement carefully or call your insurer directly to confirm. Some policies treat solar panels as a separate listed item.
3. Consider your excess strategically Both excesses here are set at $1,000. Opting for a higher excess — say $1,500 or $2,000 — can reduce your annual premium meaningfully. If you have emergency savings and are unlikely to make small claims, a higher excess is often a sensible trade-off.
4. Compare quotes at renewal, not just at sign-up Loyalty doesn't always pay in insurance. Premiums can shift significantly from one year to the next, and insurers often offer better rates to new customers than to existing ones. Running a fresh comparison each year — even if you ultimately stay with the same provider — ensures you're not quietly paying more than you need to.
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Ready to Compare?
Whether you're a first-time buyer in Ellenbrook or a long-term homeowner wondering if you're getting value for money, comparing quotes is the single most effective step you can take. Get a home insurance quote at CoverClub and see how your premium stacks up against the suburb, state, and national benchmarks — all in one place. You can also explore the full Ellenbrook insurance data to understand what your neighbours are paying.