Forrestdale is a quiet, semi-rural suburb sitting on the southern fringe of Perth in the City of Armadale. With larger blocks, newer housing estates, and a relaxed lifestyle, it's become an increasingly popular choice for families looking for space without straying too far from the city. This article analyses a real home insurance quote for a four-bedroom, double-brick free-standing home in Forrestdale — and breaks down exactly what's driving the price.
---
Is This Quote Fair?
The quote in question comes in at $1,343 per year (or roughly $134 per month) for combined Home and Contents cover, with a building sum insured of $700,000 and contents valued at $20,000. The building excess sits at $3,000, while the contents excess is a more modest $500.
Based on CoverClub's pricing data, this quote is rated CHEAP — meaning it sits below the suburb average, and well below both state and national benchmarks. For a brand-new, well-constructed home in a relatively low-risk suburban area, this is a genuinely competitive result. Homeowners receiving quotes in this range are in a strong position, though it's always worth reviewing what's included in the policy before signing up purely on price.
---
How Forrestdale Compares
To put this quote in proper context, here's how it stacks up against the broader market:
| Benchmark | Premium |
|---|---|
| This quote | $1,343/yr |
| Forrestdale suburb average | $2,746/yr |
| Forrestdale suburb median | $2,424/yr |
| Forrestdale 25th percentile | $1,807/yr |
| City of Armadale LGA average | $1,708/yr |
| WA state average | $2,811/yr |
| WA state median | $2,127/yr |
| National average | $5,347/yr |
| National median | $2,764/yr |
(Based on [23 quotes collected for Forrestdale 6112](https://coverclub.com.au/stats/WA/6112/forrestdale))
This quote sits below the suburb's 25th percentile, meaning it's cheaper than at least 75% of quotes recorded in the area. That's a meaningful result. Compared to the WA state average of $2,811, this homeowner is saving over $1,400 per year — and against the national average of $5,347, the saving is even more dramatic at over $4,000 annually.
It's worth noting that national averages are heavily skewed by high-risk regions — particularly cyclone-prone areas in Queensland and Northern Australia — so the national figure isn't necessarily the most relevant comparison for a Perth homeowner. That said, even against the national median of $2,764, this quote is still impressively competitive.
---
Property Features That Affect Your Premium
Several characteristics of this property work in the homeowner's favour from an insurance pricing perspective:
Brand new construction (2025) Insurers generally favour newer homes. A property built in 2025 is unlikely to have the ageing plumbing, wiring, or structural issues that can drive up risk assessments on older homes. Everything is up to current building codes, which translates to lower claim likelihood.
Double Brick construction Double brick is one of the most preferred wall materials for insurers in Western Australia. It offers excellent fire resistance, structural integrity, and durability compared to lightweight alternatives like weatherboard or fibre cement. This is a significant premium-reducing factor.
Steel/Colorbond roof Colorbond roofing is highly regarded in the Australian insurance market. It's resistant to fire, corrosion, and impact, and performs well in high-wind events. Combined with a concrete slab foundation, this home has a robust structural profile that reduces risk.
Solar panels Solar panels do add a small degree of complexity to home insurance — they represent an additional asset on the roof and can be a source of claims if damaged by hail or storms. However, many modern policies include solar panel cover as standard, and the overall impact on premium for a low-risk suburb like Forrestdale is minimal.
Ducted climate control Ducted systems are a higher-value fitting than split systems and can increase the replacement cost of the home. This is already reflected in the $700,000 building sum insured, which appears appropriately set for a 214 sqm home of this quality.
No pool, no cyclone risk zone The absence of a swimming pool removes a common liability exposure. And unlike homes in northern WA, Forrestdale sits well outside designated cyclone risk areas — a factor that keeps premiums significantly lower than regional counterparts.
---
Tips for Homeowners in Forrestdale
1. Review your building sum insured regularly Construction costs in Perth have risen sharply in recent years. A $700,000 sum insured may be appropriate today for a 214 sqm double-brick home, but it's worth checking annually that this figure keeps pace with building cost inflation. Underinsurance is one of the most common — and costly — mistakes homeowners make.
2. Don't overlook your contents cover A $20,000 contents sum may be on the lower side for a four-bedroom family home. Take the time to do a proper contents inventory — furniture, appliances, clothing, electronics, and outdoor items all add up quickly. Many homeowners are surprised to find their actual contents value is two or three times their insured amount.
3. Consider your excess trade-off carefully A $3,000 building excess is relatively high. This lowers the annual premium but means you'd need to absorb a significant cost before your insurer steps in for a building claim. If you'd struggle to cover $3,000 out of pocket, it may be worth comparing quotes with a lower excess — even if the annual premium is slightly higher.
4. Compare quotes at renewal time Even with a competitive quote like this one, the insurance market shifts constantly. Insurers reprice their books, new products enter the market, and your own risk profile may change. Making it a habit to compare quotes each year — rather than simply auto-renewing — can keep your premium in check over the long term.
---
Ready to Compare Home Insurance in Forrestdale?
Whether you're a new homeowner or coming up for renewal, it pays to see what the market is offering. CoverClub makes it easy to compare home and contents insurance quotes for properties in Forrestdale and across Western Australia. Get a quote today and see how your current premium stacks up — you might be surprised at what's available.