Hemmant is a quietly sought-after suburb in Brisbane's east, sitting close to the bay and offering a mix of established and newer residential properties. For owners of a free standing home in this area, understanding what drives your insurance premium — and whether you're paying a fair price — can make a meaningful difference to your household budget. This article breaks down a real home and contents insurance quote for a 4-bedroom, 2-bathroom property in Hemmant (postcode 4174), compares it against local, state, and national benchmarks, and offers practical tips to help you make the most of your cover.
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Is This Quote Fair?
The quote in question comes in at $5,186 per year (or roughly $497 per month), covering both building (sum insured: $587,000) and contents ($50,000), each with a $1,000 excess. Our price rating for this quote is Expensive — Above Average.
To put that in context: the median premium recorded for comparable quotes in Hemmant sits at $3,713 per year, meaning this quote is approximately $1,473 above the local median — nearly 40% higher. Even looking at the suburb's 75th percentile of $4,012 per year, this quote still sits well above what most Hemmant homeowners are paying.
That said, "expensive" doesn't automatically mean "wrong." A higher-than-median premium can reflect a number of legitimate factors: a higher building sum insured, the inclusion of contents cover, specific property features, or simply the insurer's own risk appetite and pricing model. The key question is whether the level of cover justifies the cost — and whether a better deal exists elsewhere.
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How Hemmant Compares
Understanding where your suburb sits within the broader insurance landscape is essential context. Here's how Hemmant stacks up:
| Benchmark | Premium |
|---|---|
| This Quote | $5,186/yr |
| Hemmant Suburb Median | $3,713/yr |
| Hemmant Suburb Average | $159,910/yr* |
| QLD State Median | $3,903/yr |
| QLD State Average | $9,129/yr |
| National Median | $2,764/yr |
| National Average | $5,347/yr |
| Brisbane LGA Average | $16,277/yr* |
\Suburb and LGA averages are skewed significantly upward, likely due to a small sample size or outlier properties with very high sums insured. The median is a more reliable benchmark for typical properties.*
Interestingly, this quote sits just below the national average of $5,347 per year, which suggests it isn't wildly out of step with what Australians pay broadly. However, it is notably higher than both the Queensland state median ($3,903) and the Hemmant suburb median ($3,713). You can explore the full breakdown of Hemmant insurance statistics, compare against Queensland-wide data, or view national home insurance benchmarks to do your own research.
With only 6 quotes in the suburb sample, it's worth treating local averages with some caution — a larger dataset would give a more reliable picture of what's "normal" for Hemmant.
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Property Features That Affect Your Premium
Every property is different, and insurers price risk based on a detailed combination of construction, location, and features. Here's how the specifics of this home likely influence what you pay:
Brick Veneer Walls & Colorbond Roof Brick veneer is generally viewed favourably by insurers — it's durable, fire-resistant, and relatively low-maintenance. Paired with a steel Colorbond roof (a popular and resilient choice in Queensland's climate), this combination tends to attract more competitive premiums than, say, weatherboard or fibro construction.
Concrete Slab Foundation A slab foundation is considered structurally stable and is well-suited to Queensland's soil conditions. It reduces the risk of subsidence and pest-related structural damage, both of which can push premiums higher.
Construction Year: 2015 A relatively modern build, this property benefits from construction to contemporary building codes, which typically means better cyclone tie-downs, improved waterproofing, and compliance with updated fire safety standards — all positives from an underwriting perspective.
Solar Panels Solar panels are an increasingly common feature in Queensland, but they do add complexity to a home insurance policy. Panels need to be listed under the building cover, and some insurers may apply specific sub-limits or exclusions. It's worth confirming your panels — including inverters and mounting hardware — are fully covered under your policy.
Ducted Climate Control Ducted air conditioning is a significant fixed asset and forms part of the building's insured value. It's one of the reasons a higher sum insured (like the $587,000 here) may be appropriate for a well-appointed home of this size (214 sqm).
No Pool, No Cyclone Risk Zone The absence of a pool removes a common source of liability and maintenance-related claims. And while Hemmant is in Queensland, it falls outside designated cyclone risk areas — a factor that meaningfully reduces the risk profile compared to properties further north.
Tile Flooring & Standard Fittings Tiled floors are durable and easy to repair, and standard-grade fittings keep the replacement cost calculation straightforward. Homes with premium or custom fittings often attract higher premiums due to the cost of like-for-like replacement.
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Tips for Homeowners in Hemmant
1. Shop around — seriously With this quote rated as above average, there's a reasonable chance a comparable level of cover is available at a lower price point. The difference between the 25th and 75th percentile in Hemmant spans from $3,378 to $4,012 — a $634 annual gap — which shows that pricing varies considerably even for similar properties. Compare quotes at CoverClub to see what's available for your address.
2. Review your sum insured carefully The building is insured for $587,000 — make sure this reflects the actual cost to rebuild (not the market value) and accounts for features like ducted air conditioning and solar panels. Being underinsured is a serious risk, but being significantly over-insured means you're paying unnecessarily high premiums.
3. Confirm your solar panels are covered Queensland has one of the highest rates of rooftop solar adoption in the world. Check your policy's Product Disclosure Statement (PDS) to confirm your panels, inverter, and associated wiring are included in the building sum insured and that there are no exclusions for storm or hail damage.
4. Consider a higher excess to reduce your premium Both the building and contents excess on this quote are set at $1,000. Opting for a higher voluntary excess — say $2,500 or $5,000 — can reduce your annual premium noticeably. This works best if you have the savings buffer to cover a larger out-of-pocket cost in the event of a claim.
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Compare Your Options with CoverClub
Whether you're renewing your existing policy or shopping for cover for the first time, it pays to compare. CoverClub makes it easy to see what home and contents insurance actually costs for properties like yours in Hemmant and across Queensland. Get a quote today and find out if you could be paying less for the same level of protection.