Greenfields is a well-established residential suburb in the City of Mandurah, about 75 kilometres south of Perth. Known for its family-friendly streets and predominantly brick-built homes, it's the kind of suburb where property values have steadily grown over the decades. If you own a free-standing home here and you're wondering whether your home and contents insurance premium is reasonable, this analysis breaks down exactly where a recent quote sits relative to local, state, and national benchmarks.
---
Is This Quote Fair?
The quote in question comes to $896 per year (or roughly $86 per month) for combined home and contents cover on a 4-bedroom, 1-bathroom free-standing home built in 1985. The building is insured for $802,000 and contents for $132,000, with a $2,000 building excess and a $1,000 contents excess.
Our pricing engine rates this quote as Fair — Around Average.
That's a reasonable outcome for a property of this size and age. The premium sits comfortably below the suburb average of $1,247 per year and also under the suburb median of $1,060 per year. In practical terms, this homeowner is paying less than what most of their neighbours are quoted for similar cover — which is a solid position to be in.
That said, "fair" doesn't necessarily mean "the best available." There's still room to explore whether a more competitive rate exists, particularly given that the suburb's 25th percentile sits at $787 per year — meaning roughly one in four quotes in Greenfields comes in even cheaper.
---
How Greenfields Compares
To put this quote in proper context, it helps to zoom out and look at the broader pricing landscape. You can explore the full data on the Greenfields suburb stats page.
| Benchmark | Annual Premium |
|---|---|
| This Quote | $896 |
| Greenfields Suburb Average | $1,247 |
| Greenfields Suburb Median | $1,060 |
| LGA (Mandurah) Average | $1,659 |
| WA State Average | $2,144 |
| WA State Median | $1,944 |
| National Average | $2,965 |
| National Median | $2,716 |
The numbers tell an interesting story. This quote is 28% below the Greenfields suburb average and nearly half the LGA average for Mandurah. Compared to the WA state average, it's sitting at less than half the cost — and against the national average of $2,965, it's positively affordable.
Why is Greenfields so much cheaper than the state and national averages? A few factors contribute. The suburb is not in a cyclone risk zone, which is a significant driver of premiums in many parts of Western Australia and Queensland. Mandurah's relatively benign weather profile, combined with the prevalence of solid double brick construction in the area, keeps insurer risk assessments lower than coastal or storm-prone regions.
The suburb sample size of 65 quotes gives us reasonable confidence in these figures, though it's always worth noting that individual premiums vary based on insurer, sum insured, and specific property features.
---
Property Features That Affect Your Premium
Every property has a unique risk profile, and insurers weigh up a range of factors when calculating your premium. Here's how the key features of this home play out:
Double Brick Construction Double brick is widely regarded as one of the most resilient wall types for Australian homes. It offers strong resistance to fire, wind, and impact damage, and insurers typically reward it with lower premiums compared to timber or clad construction. For a home built in 1985, double brick also means the structure has proven its durability over nearly four decades.
Tiled Roof Terracotta or concrete tiles are a standard roofing choice across Perth's southern suburbs and are generally viewed favourably by insurers. They're durable, fire-resistant, and less susceptible to wind uplift than corrugated iron in non-cyclonic areas. Tiles do carry some risk of cracking under hail, but Mandurah's hail exposure is relatively low.
Slab Foundation A concrete slab foundation is low-maintenance and reduces the risk of subsidence or pest-related structural damage compared to raised timber floors. This is a positive factor for insurers assessing long-term structural integrity.
Ducted Climate Control The presence of a ducted climate control system adds to the overall replacement value of the home, which is already reflected in the $802,000 sum insured. It's worth ensuring this system is adequately covered under your building policy.
Year Built: 1985 Homes from the mid-1980s are generally well-regarded by insurers — old enough to have settled, but built under more modern standards than pre-1970s properties. Wiring and plumbing from this era may be worth reviewing periodically to ensure they remain in good condition and don't create claims risk down the track.
Building Size: 205 sqm At 205 square metres, this is a generously sized family home. The sum insured of $802,000 works out to roughly $3,912 per square metre for rebuilding costs — broadly in line with current Perth construction rates, though it's always worth getting a professional rebuild cost assessment to make sure you're not underinsured.
---
Tips for Homeowners in Greenfields
1. Check Your Sum Insured Annually Construction costs in Western Australia have risen significantly in recent years. A sum insured that was accurate two or three years ago may no longer reflect the true cost of rebuilding your home. Use a building cost calculator or consult a quantity surveyor to validate your figure each year at renewal.
2. Review Your Contents Coverage $132,000 in contents cover is a reasonable starting point for a 4-bedroom home, but it's easy to underestimate the total replacement value of furniture, appliances, clothing, and personal items. Walk through each room and tally up what it would actually cost to replace everything at today's retail prices — many homeowners are surprised by the result.
3. Compare at Renewal, Not Just Once Insurance premiums can shift significantly from year to year, and loyalty doesn't always pay. Even if your current quote is fair, it's worth running a fresh comparison at each renewal to see whether a better rate is available for the same level of cover. Get a new quote at CoverClub to see what's on offer.
4. Consider Your Excess Levels This policy carries a $2,000 building excess and a $1,000 contents excess. Opting for a higher excess is one of the most straightforward ways to reduce your annual premium — but make sure the excess amount is one you could comfortably pay out of pocket in the event of a claim. Find the right balance for your financial situation.
---
Ready to See What Else Is Out There?
Whether you're reviewing an existing policy or shopping for cover on a new home, CoverClub makes it easy to compare home and contents insurance quotes across Australia's leading insurers. Enter your address at CoverClub to get a personalised quote in minutes and see exactly how your premium stacks up against others in Greenfields and across WA.