If you own a free standing home in Hillarys, WA 6025, you're likely wondering whether your home insurance premium is competitive — or whether you're quietly overpaying year after year. This article breaks down a real home and contents insurance quote for a three-bedroom, double brick home in Hillarys, benchmarking it against suburb, state, and national data so you can see exactly where it sits.
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Is This Quote Fair?
The short answer: this is an excellent result. The quote in question comes in at $1,032 per year (or roughly $101 per month) for combined home and contents cover — $500,000 in building cover and $150,000 for contents. Our price rating for this quote is CHEAP, meaning it falls well below the average for the area.
To put that in perspective, the suburb average for Hillarys sits at $2,587 per year, and the median is even higher at $2,778. That means this quote is roughly 60% cheaper than what most homeowners in the same postcode are paying. Even compared to the cheapest quarter of quotes in the suburb (the 25th percentile at $1,769/yr), this premium is still substantially lower.
For a property of this size and age — 130 sqm, built in 1985, with standard fittings — a four-figure annual premium covering both building and contents is genuinely strong value. The building excess of $2,000 and contents excess of $600 are reasonable and typical for policies in this bracket.
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How Hillarys Compares
Hillarys is a coastal suburb in Perth's northern corridor, and its insurance pricing reflects a mix of factors including property values, weather exposure, and the general cost of rebuilding in the region. Here's how the numbers stack up across different benchmarks:
| Benchmark | Average Premium | Median Premium |
|---|---|---|
| Hillarys (6025) | $2,587/yr | $2,778/yr |
| LGA: Joondalup | $2,347/yr | — |
| Western Australia | $2,144/yr | $1,944/yr |
| National | $2,965/yr | $2,716/yr |
A few things stand out here. First, Hillarys premiums trend above the WA state average, which suggests local insurers are pricing in some suburb-specific risk factors — likely a combination of proximity to the coast and higher-than-average property values in the area. Second, the national average of $2,965/yr is the highest benchmark shown, reflecting the outsized impact of high-risk regions like cyclone-prone Queensland and flood-affected parts of NSW on the national figure.
You can explore the full breakdown of Hillarys insurance data, compare it against WA state-wide statistics, or view national home insurance benchmarks on CoverClub.
Based on a sample of 64 quotes from the Hillarys postcode, the spread between the 25th percentile ($1,769/yr) and 75th percentile ($3,366/yr) is substantial — a gap of nearly $1,600 per year. This reinforces how much variation exists between insurers for the same property, and why shopping around genuinely matters.
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Property Features That Affect Your Premium
Several characteristics of this property work in the homeowner's favour when it comes to pricing:
Double Brick Construction Double brick is widely regarded by insurers as one of the most resilient wall materials available. It performs well against fire, wind, and general wear, and typically attracts lower premiums than lightweight alternatives such as weatherboard or fibre cement cladding. For a 1985 build in Perth's northern suburbs, double brick is the norm — and it's a meaningful asset at claim time.
Tiled Roof Terracotta or concrete tiles are considered a low-to-moderate risk roofing material. They're durable, fire-resistant, and relatively straightforward to repair or replace. Compared to older materials like asbestos sheeting or corrugated iron in poor condition, tiles generally attract more favourable underwriting.
Slab Foundation A concrete slab foundation is structurally sound and typically presents fewer risks of subsidence or pest-related damage compared to older raised timber stumps. Insurers tend to view slab foundations positively.
Solar Panels This property has solar panels installed, which are typically included in building cover as a fixed structure. It's worth confirming with your insurer that panels are explicitly noted in the policy, as coverage terms can vary — particularly around storm damage or inverter failure.
Ducted Climate Control Ducted air conditioning systems are a significant fixed asset and should be covered under the building sum insured. At $500,000, the building cover here appears adequate for a 130 sqm home in this area, though it's always worth checking current rebuild cost estimates rather than relying on market value.
No Pool, No Cyclone Risk Zone The absence of a pool removes a common source of liability and additional premium loading. Hillarys also falls outside designated cyclone risk zones, which keeps premiums lower than comparable properties in northern WA.
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Tips for Homeowners in Hillarys
1. Review Your Sum Insured Annually Building costs in Perth have risen considerably in recent years due to labour and material shortages. A sum insured set several years ago may no longer reflect the true cost to rebuild. Use an independent building cost calculator or speak with a quantity surveyor to sense-check your coverage amount.
2. Don't Overlook Your Solar Panels Confirm that your solar panel system — including the inverter — is explicitly covered under your building policy. Some policies include them automatically; others require you to list them separately. Given the cost of replacement, this is worth a quick call to your insurer.
3. Shop Around at Renewal Time The wide spread of premiums in Hillarys (from $1,769 to $3,366 at the 25th and 75th percentiles) shows that insurers price this suburb very differently. Loyalty doesn't always pay — comparing quotes at renewal could save you hundreds of dollars per year without sacrificing cover quality.
4. Consider Your Excess Levels Carefully The building excess on this policy is $2,000, which is on the higher end. A higher excess typically reduces your premium, but make sure it's an amount you could comfortably cover in the event of a claim. If cash flow is a concern, a lower excess with a slightly higher premium may be the smarter trade-off.
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Compare Your Own Quote
Whether you're renewing soon or just curious about where your current premium sits, CoverClub makes it easy to benchmark your home insurance in seconds. Get a quote today and see how your property compares against real data from your suburb, your state, and across Australia. There's no obligation — just clear, transparent information to help you make a more informed decision.