Glenmore Park, nestled in Sydney's outer west near the foot of the Blue Mountains, is a well-established suburban community known for its family-friendly streets and modern housing stock. This analysis looks at a home and contents insurance quote for a five-bedroom, three-bathroom free standing home in the 2745 postcode — and asks the most important question any homeowner should ask: is the price actually fair?
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Is This Quote Fair?
The quoted annual premium for this property sits at $13,870 per year (or $1,329/month), covering a building sum insured of $944,000 and contents valued at $251,000, each with a $2,000 excess.
Our price rating for this quote is Expensive (Above Average) — and the data backs that up clearly.
To put it in perspective:
- The suburb average for Glenmore Park is just $2,156/year, and the median sits at $1,910/year
- The NSW state average is $9,528/year, with a median of $3,770/year
- The national average across Australia is $5,347/year, with a median of $2,764/year
At $13,870, this quote is more than six times the Glenmore Park suburb average, and nearly 46% above the NSW state average. Even compared to the national average of $5,347, this quote is more than 2.5 times higher.
That said, context matters enormously. This is a large, well-appointed home with a high building sum insured ($944,000) and a substantial contents figure ($251,000). The total insured value of nearly $1.2 million is well above what most homes in the suburb would carry, which goes a long way toward explaining the premium gap. Still, the "Expensive" rating signals this is worth shopping around on.
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How Glenmore Park Compares
Digging into the Glenmore Park suburb insurance statistics, the local data is drawn from 93 quotes — a solid sample size for a suburb of this size.
| Benchmark | Annual Premium |
|---|---|
| Glenmore Park 25th percentile | $1,346/yr |
| Glenmore Park median | $1,910/yr |
| Glenmore Park average | $2,156/yr |
| Glenmore Park 75th percentile | $2,891/yr |
| LGA (Wollondilly) average | $2,297/yr |
| NSW state average | $9,528/yr |
| National average | $5,347/yr |
| This quote | $13,870/yr |
Interestingly, the NSW state average of $9,528 is already significantly elevated compared to the national average of $5,347 — reflecting the higher property values and weather-related risk factors that affect many parts of New South Wales. This quote exceeds even that elevated state benchmark, largely driven by the property's size and high sum insured.
The Wollondilly LGA average of $2,297 is broadly in line with the suburb figure, suggesting Glenmore Park sits within a fairly typical risk profile for the region — which makes the premium here stand out even more as a function of the property's specifications rather than its location risk.
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Property Features That Affect Your Premium
Several characteristics of this home have a direct influence on what insurers charge.
Building size and sum insured At 286 sqm and a building sum insured of $944,000, this is a large home by any measure. Rebuild costs drive premiums significantly — the larger and more expensive a home is to reconstruct, the higher the insurer's exposure. A five-bedroom, three-bathroom layout with standard fittings at this scale commands a premium that most smaller suburban homes simply won't reach.
Brick veneer construction and tiled roof Brick veneer walls and a tiled roof are generally viewed favourably by insurers. These materials offer solid fire resistance and durability compared to timber weatherboard or metal roofing, and typically attract more competitive rates. The slab foundation further adds to the structural stability profile of the home.
Swimming pool The presence of a pool introduces additional liability considerations. Insurers factor in the risk of accidental injury, as well as the cost of pool-related damage (such as structural cracking or pump failure) when calculating premiums. Pool owners should confirm exactly what their policy covers — and doesn't cover — around the pool structure and equipment.
Solar panels Solar panels are an increasingly common feature in Western Sydney homes and can affect your premium in two ways. On one hand, they add to the replacement value of the home; on the other, some insurers view them as a potential source of fire risk or storm damage. It's worth confirming your solar system is explicitly listed under your building cover.
Ducted climate control Ducted air conditioning systems are a significant fixed asset within the home. Their inclusion in the building sum insured is important — if they're not adequately covered, a replacement or repair bill following a storm or fire could leave you seriously out of pocket.
No cyclone risk Glenmore Park is not in a cyclone risk zone, which removes one of the more significant premium loading factors that affect properties in northern Queensland and parts of Western Australia. This is a genuine cost advantage for homeowners in this area.
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Tips for Homeowners in Glenmore Park
1. Review your sum insured regularly Building costs have risen sharply in recent years across NSW. Make sure your $944,000 building sum insured reflects current construction costs — not what it cost to build in 2004. Underinsurance is one of the most common and costly mistakes homeowners make. Tools like the Cordell Sum Sure calculator can help you verify your figure.
2. Shop around — seriously A quote rated "Expensive" is a clear signal to compare. Even if your current insurer has served you well, the home insurance market is competitive and premiums can vary dramatically between providers for the same property. Get a comparison quote at CoverClub to see what other insurers would charge for your specific home.
3. Check your pool and solar panel coverage explicitly Don't assume these features are automatically covered to their full replacement value. Ask your insurer directly whether the pool structure, pool equipment, and solar panel system are included in your building sum insured — and for how much.
4. Consider your excess level Both the building and contents excess on this policy sit at $2,000. Opting for a higher voluntary excess (say, $2,500 or $3,000) can reduce your annual premium meaningfully. Just make sure the excess is an amount you could comfortably pay in the event of a claim.
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Ready to Find a Better Deal?
If you're a homeowner in Glenmore Park or anywhere in the 2745 postcode, it pays to know where your premium sits relative to the market. Whether you're renewing soon or just curious, compare home insurance quotes at CoverClub to make sure you're not paying more than you need to. You can also explore detailed Glenmore Park insurance data and NSW-wide benchmarks to better understand what's typical for your area.