Endeavour Hills is a well-established residential suburb in Melbourne's south-east, sitting within the City of Casey. Known for its leafy streets and family-friendly atmosphere, it's home to a mix of brick veneer properties built largely through the 1980s and 1990s. If you own a free standing home here, understanding what you should be paying for home and contents insurance — and why — can save you a meaningful amount each year.
This article breaks down a real insurance quote for a 3-bedroom, 2-bathroom brick veneer home in Endeavour Hills, comparing it against local, state, and national benchmarks to help you make a more informed decision.
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Is This Quote Fair?
The quote in question comes in at $1,384 per year (or $135/month) for combined home and contents cover, with a building sum insured of $575,000 and contents valued at $60,000. The building excess is set at $2,000, with a separate $1,000 excess applying to contents claims.
Our price rating for this quote is FAIR — Around Average.
Within Endeavour Hills, the average premium across 105 quotes sits at $1,590/year, with a median of $1,652/year. That means this quote is tracking roughly $200–$270 below the suburb average and median, which is a reasonably positive position to be in. It's not the cheapest quote available in the area — the 25th percentile sits at $1,014/year — but it's well clear of the more expensive end of the market, where premiums climb to $1,972/year at the 75th percentile.
So while there may be room to find a lower premium, this quote is comfortably within a reasonable range for the suburb. The "Fair" rating reflects that it's competitive without being exceptional.
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How Endeavour Hills Compares
One of the more striking takeaways from this data is just how favourably Endeavour Hills sits relative to broader benchmarks.
| Benchmark | Average Premium |
|---|---|
| Endeavour Hills (suburb avg) | $1,590/yr |
| City of Casey (LGA avg) | $2,094/yr |
| Victoria (state avg) | $2,921/yr |
| National average | $2,965/yr |
The Endeavour Hills suburb average of $1,590/year is dramatically lower than the Victorian state average of $2,921/year — that's a difference of over $1,300 annually. Compared to the national average of $2,965/year, the gap is even wider.
Much of this discrepancy comes down to risk profile. Victoria's state average is heavily influenced by high-risk areas — coastal zones, bushfire-prone regions, and flood-affected postcodes — which push premiums up considerably. Endeavour Hills, by contrast, is a lower-risk suburban environment with no cyclone exposure and relatively contained natural hazard risks.
Even within Casey LGA, Endeavour Hills performs well. The LGA average of $2,094/year is still $500 more than the suburb average, suggesting that other parts of Casey carry higher risk or more expensive properties.
For the homeowner in this quote, paying $1,384/year puts them $206 below the suburb average and a substantial $1,537 below the state average. That's a strong outcome by any measure.
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Property Features That Affect Your Premium
Several characteristics of this property work in the homeowner's favour when it comes to pricing.
Brick veneer construction is viewed favourably by insurers. It offers solid fire resistance and structural durability, which typically translates to lower premiums compared to weatherboard or timber-clad homes. Combined with a tiled roof, this property presents a relatively low-risk profile from a materials standpoint.
The 1986 construction year is worth noting. Homes from this era are generally well-established and past the point of early structural issues, but they're also old enough that some components — roofing, plumbing, electrical systems — may be approaching the end of their useful life. Insurers factor this in, and it's worth ensuring your sum insured reflects the current cost to rebuild, not just the market value of the land.
The slab foundation is standard for the era and region, and doesn't carry the same subsidence concerns associated with older stumped or pier foundations.
Solar panels are an increasingly common feature and can add modest complexity to insurance assessments. They represent an additional asset on the roof that needs to be covered, and some policies treat them as part of the building sum insured. It's worth confirming with your insurer that your $575,000 building cover explicitly includes the solar system.
Ducted climate control is another feature that adds value to the home and should be reflected in your contents or building sum insured, depending on whether it's a fixed or portable system. Ducted systems are typically considered part of the building.
At 139 sqm, this is a modest-sized home, which keeps the rebuild cost — and therefore the premium — relatively contained compared to larger properties in the area.
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Tips for Homeowners in Endeavour Hills
1. Review your sum insured regularly Building costs have risen significantly in recent years. A sum insured of $575,000 for a 139 sqm brick veneer home may be appropriate today, but it's worth recalculating your rebuild cost annually using a building cost estimator. Underinsurance is one of the most common — and costly — mistakes homeowners make.
2. Confirm solar panels are covered If your policy doesn't explicitly list solar panels as part of the building cover, you could be left out of pocket after a storm or fire. Ask your insurer directly, and get the answer in writing.
3. Shop around at renewal time Insurers don't always reward loyalty. With 105 quotes available in the Endeavour Hills sample, there's meaningful competition in this postcode. Even if your current quote is fair, comparing alternatives each year could save you hundreds. Get a comparison quote at CoverClub to see what else is available.
4. Consider your excess settings strategically This quote carries a $2,000 building excess and $1,000 contents excess. Opting for a higher excess is one of the most effective ways to reduce your annual premium, but make sure the excess is an amount you could genuinely afford to pay at short notice. If $2,000 would be a stretch, it may be worth paying a slightly higher premium for a lower excess.
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Compare Your Own Quote
Whether you're renewing your existing policy or shopping for cover on a new purchase, it pays to know where your premium sits relative to the market. CoverClub aggregates real quote data from across Australia so you can see exactly how your suburb compares — no guesswork required.
Get a home insurance quote for your Endeavour Hills property and find out if you're paying a fair price.