If you own a free standing home in Everton Hills, QLD 4053, you've probably wondered whether you're paying too much — or too little — for home insurance. This article breaks down a real home and contents insurance quote for a four-bedroom, two-bathroom brick veneer property in this quiet north-western Brisbane suburb, and puts the numbers into context against local, state, and national benchmarks.
---
Is This Quote Fair?
The annual premium on this quote comes in at $1,843 per year (or $180/month), covering both building and contents for a property insured at $595,000 for the building and $10,000 for contents. Both the building and contents excess are set at $1,000.
Our price rating for this quote is CHEAP — below average — and the data backs that up clearly. The suburb average for Everton Hills sits at $2,543 per year, meaning this quote is approximately $700 cheaper than what most comparable properties in the area are paying. Against the suburb median of $2,629, the saving is even more pronounced.
To put it another way, this quote sits well below the 25th percentile for the suburb ($2,178/yr), meaning it's cheaper than at least 75% of quotes we've seen for similar homes in Everton Hills. That's a strong result by any measure.
It's worth noting that this rating is based on a sample of 11 quotes from the suburb, which provides a reasonable local benchmark — though a larger dataset would give an even clearer picture over time.
---
How Everton Hills Compares
Zooming out beyond the suburb level reveals just how varied home insurance pricing can be across Queensland and the country.
| Benchmark | Premium |
|---|---|
| This quote | $1,843/yr |
| Everton Hills suburb average | $2,543/yr |
| Everton Hills suburb median | $2,629/yr |
| Moreton Bay LGA average | $3,435/yr |
| QLD state average | $9,129/yr |
| QLD state median | $3,903/yr |
| National average | $5,347/yr |
| National median | $2,764/yr |
The Queensland state average of $9,129/yr looks alarming at first glance, but it's heavily skewed by high-risk coastal and cyclone-prone areas in Far North Queensland, where premiums can be extraordinary. The state median of $3,903 is a more representative figure — and even against that, this Everton Hills quote looks very competitive.
Nationally, the median premium is $2,764/yr, which this quote still comfortably undercuts. For a property of this size and specification in a metropolitan Brisbane suburb, landing below both the national median and the local suburb average is a genuinely good outcome.
The Moreton Bay LGA average of $3,435/yr also provides useful context — Everton Hills sits within this local government area, and the quote is nearly $1,600 below that figure.
---
Property Features That Affect Your Premium
Several characteristics of this property likely contribute to its competitive premium. Understanding these factors helps you see why insurers price policies the way they do.
Brick veneer construction is generally viewed favourably by insurers. While not as robust as full double brick, brick veneer offers good fire resistance and structural durability compared to weatherboard or clad exteriors. Combined with a tiled roof, which is considered one of the more durable and fire-resistant roofing materials, the construction profile of this home is solid.
The slab foundation is another positive — slab homes tend to have fewer issues with subsidence and moisture ingress compared to older stumped or pier-and-beam foundations, which can be more expensive to repair.
That said, the 1978 construction year is worth noting. Homes built before 1980 may have older electrical wiring, plumbing, and roofing materials that have reached or are approaching the end of their serviceable life. Some insurers apply age loadings for older homes, though clearly this hasn't pushed the premium into expensive territory here.
The swimming pool adds a liability and maintenance consideration — pool-related claims (such as damage to pool equipment or liability for injury) are something insurers factor in. Similarly, solar panels on the roof add to the replacement cost of the property and can be a claims risk during storm events, though many insurers now cover them as standard under building policies.
Ducted climate control is another feature that adds to the overall insured value of the home. Systems like these can be costly to repair or replace, so it's worth confirming your policy explicitly covers fixed mechanical systems.
At 214 sqm, this is a comfortably sized family home, and the $595,000 building sum insured works out to roughly $2,780 per sqm — broadly in line with current rebuild cost estimates for comparable Brisbane properties, though homeowners should periodically review this figure as construction costs continue to rise.
---
Tips for Homeowners in Everton Hills
1. Review your sum insured annually Construction costs in South East Queensland have risen significantly in recent years. If your building sum insured hasn't been updated to reflect current rebuild costs, you could be underinsured — meaning you'd face a shortfall if you needed to make a major claim. Use a building calculator or speak with a quantity surveyor if you're unsure.
2. Check what's covered under your contents policy A contents value of $10,000 is on the lower end for a four-bedroom home. Take stock of your furniture, appliances, electronics, clothing, and valuables — it's easy to underestimate the total replacement value of everything inside your home. Many Australians are significantly underinsured on contents.
3. Ask about discounts for safety features Your solar panels, ducted climate control, and pool may all be relevant to your insurer. Some providers offer discounts for security systems, deadbolts, and smoke alarms. It's always worth asking what discounts are available when you renew.
4. Compare quotes at renewal time Even if your current premium is competitive — as this one clearly is — the insurance market changes every year. Loyalty doesn't always pay in insurance; shopping around at renewal can uncover meaningful savings or better coverage for the same price. Get a quote at CoverClub to see how your current policy stacks up.
---
Compare Your Own Quote
Whether you're a first-time buyer or a long-time homeowner in Everton Hills, it pays to know where your premium sits relative to the market. CoverClub makes it easy to compare home and contents insurance quotes and understand whether you're getting genuine value. Start your comparison at CoverClub and see what's available for your property today.