If you own a four-bedroom free standing home in Ellenbrook, WA 6069, you're part of one of Perth's fastest-growing outer suburbs — a family-friendly pocket of the Swan region known for its master-planned streetscapes and relatively modern housing stock. Like most homeowners, you've probably wondered whether the premium sitting on your insurance renewal notice is genuinely competitive, or whether you're quietly paying more than you need to.
This article breaks down a real home and contents insurance quote for a property in Ellenbrook, compares it against local, state, and national benchmarks, and offers practical tips for keeping your cover affordable without cutting corners.
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Is This Quote Fair?
The quote in question comes in at $1,965 per year (or $188/month) for combined home and contents cover, with a building sum insured of $759,000 and contents valued at $72,000. Both the building and contents excess are set at $1,000.
Our pricing analysis rates this quote as Expensive — above the suburb average. That's not a reason to panic, but it is a signal worth investigating.
To put it in context: the suburb average premium for Ellenbrook sits at $1,415/year, with a median of $1,343/year across 53 quotes in our dataset. This particular quote is around $550 above the suburb average — a meaningful gap that suggests there's likely room to find more competitive pricing for a comparable level of cover.
That said, the quote does fall within the suburb's 75th percentile of $1,902/year, meaning it's not wildly out of range — roughly one in four Ellenbrook quotes come in at a similar figure or higher. Whether that's acceptable depends on your specific property features and the insurer's inclusions.
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How Ellenbrook Compares
Understanding where Ellenbrook sits in the broader insurance landscape helps put any individual quote into perspective.
| 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 |
| LGA (Swan) | $4,057/yr | — |
The numbers tell an interesting story. Ellenbrook homeowners are, on the whole, paying significantly less than the WA state average and well below the national average — both of which are pulled upward by higher-risk regions like cyclone-prone areas in northern WA and Queensland, and flood-affected zones in NSW and Victoria.
Compared to the broader Swan LGA average of $4,057/year, Ellenbrook looks like excellent value — suggesting the suburb carries lower relative risk than some of its Swan region neighbours. You can explore the full WA state insurance data or national comparisons to see how your suburb stacks up more broadly.
The takeaway: while this specific quote is above the Ellenbrook average, the suburb itself remains one of the more affordable places to insure a home in Western Australia.
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Property Features That Affect Your Premium
Insurance premiums aren't plucked from thin air — they're calculated based on a detailed profile of your property. Here's how the key features of this home are likely influencing the price:
Double Brick Construction Double brick is widely regarded as one of the most insurer-friendly wall types in Australia. It's robust, fire-resistant, and durable, which typically works in your favour at renewal time. Homes with brick veneer or lightweight cladding often attract higher premiums.
Colorbond Steel Roof Steel roofing — particularly Colorbond — is another tick in the box. It's resistant to ember attack, holds up well in storms, and has a long lifespan. Insurers generally view it more favourably than older tile roofs, which can crack or leak.
Slab Foundation A concrete slab is the standard foundation type for homes built in this era and region. It presents minimal subsidence risk compared to older stumped or pier foundations, which can contribute to structural claims.
Swimming Pool Pools add value to a property but also increase the replacement cost and liability exposure. Expect the pool to contribute modestly to the overall premium — both in terms of building sum insured and potential liability cover.
Solar Panels Solar panels are now a standard feature on many WA homes, but they do add to the insured value of the building. It's worth confirming with your insurer that your panels are explicitly covered under the building policy, particularly for storm damage or hail.
Ducted Climate Control Ducted air conditioning is a significant fixed asset. Like solar panels, it increases the replacement value of the home and should be factored into your building sum insured to avoid being underinsured in the event of a total loss.
Building Size: 244 sqm At 244 square metres, this is a comfortably sized family home. The building sum insured of $759,000 translates to roughly $3,110 per square metre — which is broadly in line with current WA construction costs for a standard-finish home, though costs vary significantly by builder and specification.
No Cyclone Risk Ellenbrook is not classified as a cyclone risk area, which is a meaningful premium advantage compared to properties in northern WA. This is one reason why Perth metro premiums tend to be substantially lower than regional WA averages.
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Tips for Homeowners in Ellenbrook
1. Shop around — even if you're happy with your current insurer Given this quote is above the suburb average, it's worth getting at least two or three comparable quotes before renewing. Insurers price risk differently, and a like-for-like policy can vary by hundreds of dollars. Start a comparison at CoverClub to see what's available for your address.
2. Review your sum insured annually Construction costs in WA have risen sharply in recent years. If your building sum insured hasn't kept pace, you could be underinsured — meaning you'd receive less than the full cost to rebuild in a worst-case scenario. Use a building calculator or speak to a quantity surveyor if you're unsure.
3. Consider your excess settings Both excesses on this policy sit at $1,000. Increasing your excess (say, to $2,000 or $2,500) can meaningfully reduce your annual premium. Just make sure you have that amount readily accessible if you ever need to make a claim.
4. Bundle thoughtfully, but verify the savings Many insurers offer discounts for bundling home and contents cover — which this policy already does. However, it's still worth checking whether separate policies from different providers might actually work out cheaper, particularly if your contents value is modest.
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Compare Your Home Insurance Quote
Whether you're renewing soon or simply doing a health check on your current policy, it pays to know where you stand. CoverClub makes it easy to compare home and contents insurance quotes for properties across Ellenbrook and the wider Perth metro area.
Get a quote for your Ellenbrook home →
You can also explore detailed suburb-level insurance statistics for Ellenbrook (6069) to see exactly how premiums in your postcode are trending.