Gordon, a well-established residential suburb in the ACT's south, is home to a mix of quality family homes — and this five-bedroom, free standing property is a solid example of what the area has to offer. Built in 2006 on a concrete slab foundation, featuring double brick external walls, a Colorbond steel roof, and timber/laminate flooring throughout, this 315 sqm home also comes with a pool, solar panels, and ducted climate control. It's a well-appointed property, and the home and contents insurance quote of $1,989 per year (or $185/month) reflects that.
But is that price competitive? Let's dig into the numbers.
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Is This Quote Fair?
Based on our analysis, this quote is rated Expensive — above average for the Gordon area.
The quoted annual premium of $1,989 sits noticeably above the suburb average of $1,524/yr and the suburb median of $1,403/yr. In fact, it's even above the 75th percentile for Gordon, which sits at $1,782/yr — meaning this quote is pricier than at least three-quarters of comparable properties in the postcode based on our sample of 80 quotes.
That said, context matters. The building sum insured here is $820,000, which is a substantial coverage amount for a large, well-featured home. The contents are insured for $30,000, and both the building and contents excess are set at $2,000. A higher sum insured naturally pushes premiums upward, and the combination of a pool, solar panels, and ducted climate control adds meaningful complexity to the risk profile — all of which insurers price into the final figure.
So while the premium is above average for Gordon, it's not without reason. The question is whether a better deal exists for the same level of cover.
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How Gordon Compares
To put this quote in proper perspective, here's how Gordon stacks up against broader benchmarks:
| Benchmark | Average Premium | Median Premium |
|---|---|---|
| Gordon (2906) | $1,524/yr | $1,403/yr |
| ACT (State) | $2,288/yr | $2,186/yr |
| LGA (Unincorporated ACT) | $2,172/yr | — |
| National | $5,347/yr | $2,764/yr |
A few things stand out here. Gordon's suburb average of $1,524/yr is meaningfully lower than both the ACT state average of $2,288/yr and the LGA average of $2,172/yr. This suggests Gordon is a relatively affordable suburb to insure within the territory — good news for homeowners shopping around.
Zooming out to the national picture, the average premium of $5,347/yr is heavily skewed by high-risk areas in Queensland, Western Australia, and the Northern Territory — regions frequently impacted by cyclones, floods, and bushfires. Gordon's ACT location, by contrast, carries a lower natural disaster risk profile, which helps keep premiums more manageable.
At $1,989/yr, this quote is $465 above the Gordon suburb average — a gap worth investigating. You can explore more local pricing data on our Gordon suburb stats page.
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Property Features That Affect Your Premium
Several characteristics of this property have a direct influence on the premium quoted. Understanding them helps you make sense of the price — and know where there may be room to negotiate.
Double Brick Construction Double brick is generally viewed favourably by insurers. It's durable, fire-resistant, and structurally robust compared to timber-framed or clad alternatives. This construction type typically attracts lower premiums, all else being equal.
Colorbond Steel Roof Steel roofing is another positive from an insurer's perspective. Colorbond is resistant to fire, rot, and pest damage, and tends to perform well in storms. It's a common roofing choice in the ACT and is generally well-regarded in risk assessments.
Swimming Pool A pool increases the replacement cost of the property and introduces additional liability considerations. Insurers factor in the cost of pool fencing compliance, equipment, and potential liability — all of which contribute to a higher premium.
Solar Panels Solar systems add real value to a home but also add to the insured sum. Panels are exposed to hail, storm damage, and potential electrical faults, and their replacement cost can be significant. Ensure your policy explicitly covers solar panels — not all standard policies do by default.
Ducted Climate Control Ducted systems are expensive to repair or replace and are factored into the building sum insured. Their presence is a reasonable contributor to a higher premium.
315 sqm Floor Area & $820,000 Sum Insured At 315 sqm, this is a large home by any measure. The $820,000 building sum insured reflects the cost to fully rebuild the property — not its market value. For a double brick home of this size with quality inclusions, that figure is plausible and appropriate.
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Tips for Homeowners in Gordon
If you're looking to ensure you're getting value from your home insurance, here are four practical steps worth taking:
- Review your sum insured annually. Building costs change over time. Use a building cost calculator to verify your sum insured reflects current construction costs — being underinsured is a costly mistake, but over-insuring unnecessarily inflates your premium.
- Compare quotes before renewing. Insurers rarely reward loyalty with their best pricing. Shopping around at renewal time — even just comparing two or three quotes — can uncover meaningful savings. Our quote comparison tool makes this quick and straightforward.
- Check your pool and solar panel coverage. Make sure your policy explicitly covers your pool equipment and solar system, including panels and inverter. Some policies treat these as optional extras or exclude them under certain conditions.
- Consider your excess level. This quote carries a $2,000 excess on both building and contents. Opting for a higher excess can reduce your annual premium — just make sure it's an amount you could comfortably cover out of pocket if you needed to make a claim.
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Ready to Find a Better Deal?
Whether you're renewing or buying insurance for the first time, comparing quotes is the smartest thing you can do. CoverClub makes it easy to see what multiple insurers would charge for your specific property — so you're never paying more than you need to.
Get a home insurance quote for your Gordon property today and see how much you could save.