Ellis Lane is a semi-rural locality sitting within the Wollondilly Shire on the south-western fringe of Greater Sydney — a spot that blends the space and quiet of country living with reasonable access to Camden and Campbelltown. Properties here tend to be generous in size, and this quote is no exception: a five-bedroom, three-bathroom free standing home built in 2002, sitting on a slab foundation with brick veneer walls and a concrete tile roof. With a pool, solar panels, and ducted climate control all factored in, this is a well-appointed family home — and the insurance quote reflects that.
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Is This Quote Fair?
The short answer: yes, and then some. This quote came in at $2,369 per year (or around $240 per month), covering both building and contents with a building sum insured of $1,228,000 and contents valued at $69,000. Both the building and contents excess sit at $5,000.
CoverClub rates this quote as CHEAP — Below Average, meaning it sits meaningfully below what most comparable properties in the area are paying. For a home of this size and specification, that's a genuinely strong result.
To put it in perspective: the suburb average for Ellis Lane is $3,482/year, and the suburb median is $3,406/year. This quote undercuts even the 25th percentile — the cheapest quarter of quotes collected in the area — which sits at $3,142/year. In other words, this premium is cheaper than at least 75% of quotes seen in the suburb. That's a meaningful saving of over $1,000 per year compared to what many Ellis Lane homeowners are paying.
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How Ellis Lane Compares
To give this quote the full context it deserves, here's how it stacks up across different benchmarks:
| Benchmark | Annual Premium |
|---|---|
| This Quote | $2,369 |
| Ellis Lane Suburb Average | $3,482 |
| Ellis Lane Suburb Median | $3,406 |
| Ellis Lane 25th Percentile | $3,142 |
| NSW State Average | $3,801 |
| NSW State Median | $3,410 |
| National Average | $2,965 |
| National Median | $2,716 |
| Wollondilly LGA Average | $2,297 |
You can explore the full breakdown of premiums in the suburb at the Ellis Lane insurance stats page, or zoom out to see how NSW compares to the rest of the country.
A few things stand out here. NSW as a state runs notably hot on home insurance — the state average of $3,801 is well above the national average of $2,965, reflecting the breadth of risks across the state from bushfire and storm through to flood and hail. Ellis Lane's suburb average of $3,482 is below the NSW state average, which is a positive sign for the area — but this particular quote goes even further, coming in below the national median as well. That's a strong outcome for a large, well-featured home.
It's also worth noting the Wollondilly LGA average of $2,297/year — this quote is close to that figure, suggesting the insurer has priced this property competitively relative to the broader local government area.
Note: Ellis Lane suburb data is based on a sample of 16 quotes, so averages should be interpreted as indicative rather than definitive.
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Property Features That Affect Your Premium
Several characteristics of this home will have influenced how insurers assessed the risk — and therefore the price.
Brick veneer construction and concrete roof are generally viewed favourably by insurers. Brick veneer offers solid fire resistance, and concrete tile roofing is durable and less prone to storm damage than some alternatives like Colorbond or terracotta. Together, these materials can contribute to a lower risk profile compared to timber-framed or weatherboard homes.
Slab foundation is standard for homes of this era in NSW and doesn't typically attract additional loading from insurers. It does, however, mean that subsidence or soil movement events — more relevant in some parts of western Sydney — are worth understanding in terms of what your policy does and doesn't cover.
Timber and laminate flooring is a contents consideration worth keeping in mind. These floor types can be costly to repair or replace after water damage, so it's worth confirming your policy covers accidental water escape (a common cause of claims) and checking the limits that apply.
Swimming pool — pools add liability exposure and are a common source of additional premium loading. They can also be a source of property damage claims (think pump failures, structural cracking, or storm debris). Ensuring your policy explicitly covers the pool structure and associated equipment is important.
Solar panels are increasingly common in NSW and can add meaningful replacement value to a home. A $1,228,000 building sum insured should comfortably account for a modern solar system, but it's worth confirming with your insurer that panels are included in the building cover and not excluded as a separate item.
Ducted climate control is another high-value fixed asset. Like solar, it's typically covered under building insurance as a permanently installed fixture — but always worth verifying.
No cyclone risk — Ellis Lane sits well outside Australia's cyclone-prone regions, so there's no cyclone loading applied to this premium. This is a straightforward positive for the price.
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Tips for Homeowners in Ellis Lane
1. Don't underinsure your building sum. A sum insured of $1,228,000 for a five-bedroom brick home built in 2002 with premium inclusions is substantial — but construction costs in NSW have risen sharply in recent years. Use a building cost calculator annually to make sure your sum insured keeps pace with current rebuild costs, including demolition and debris removal.
2. Review your contents figure carefully. $69,000 in contents cover is on the modest side for a five-bedroom home with timber flooring, ducted air conditioning, and a pool. Walk through each room and consider high-value items like electronics, furniture, appliances, jewellery, and outdoor equipment. Many homeowners discover they're underinsured on contents when they actually sit down and add it up.
3. Understand your $5,000 excess before a claim. A $5,000 excess on both building and contents is relatively high. This keeps premiums lower, but it means smaller claims may not be worth lodging. Make sure you have the liquidity to cover that excess comfortably, and consider whether a lower excess option makes sense for your situation.
4. Compare at renewal — every year. The insurance market shifts constantly, and the insurer offering the best price today may not be the most competitive at your next renewal. Given this quote is already below the suburb average by over $1,000, it's clearly possible to find competitive pricing in this area — but that doesn't mean you should accept a renewal increase without checking alternatives first.
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Compare Your Own Quote
Whether you're insuring a home in Ellis Lane or anywhere else in Australia, comparing quotes is the single most effective way to make sure you're not overpaying. CoverClub makes it straightforward — get a home insurance quote now and see how your premium stacks up against your suburb, your state, and the national benchmark. A few minutes of comparison could save you hundreds of dollars a year.