Hillarys is one of Perth's most sought-after coastal suburbs — a leafy, family-friendly pocket of the northern suburbs that sits just minutes from the marina and some of Western Australia's best beaches. It's also a suburb where home insurance costs can vary significantly depending on your property type, age, and construction. This article breaks down a real home and contents insurance quote for a four-bedroom, double brick semi detached home in Hillarys (postcode 6025), examining whether the price is fair and what factors are driving it.
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Is This Quote Fair?
The annual premium on this quote comes in at $1,010 per year (or roughly $94 per month), covering a building sum insured of $600,000 and $150,000 worth of contents. Our rating for this quote is CHEAP — below average — and the numbers back that up convincingly.
To put it in perspective: the average home and contents premium across Hillarys sits at $2,587 per year, and the suburb median is even higher at $2,778. That means this quote is coming in at less than 40% of what most Hillarys homeowners are paying for comparable cover. Even the cheapest quarter of quotes in the suburb — the 25th percentile — averages $1,769 per year, which is still $759 more expensive than this one.
This is a genuinely competitive result. Whether you're shopping around for the first time or reviewing your existing policy, a premium this far below the local average is worth paying attention to.
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How Hillarys Compares
Zooming out beyond the suburb gives even more context. Here's how Hillarys stacks up against broader benchmarks:
| Benchmark | Average Premium | Median Premium |
|---|---|---|
| This Quote | $1,010/yr | — |
| Hillarys (6025) | $2,587/yr | $2,778/yr |
| LGA (Joondalup) | $2,112/yr | — |
| Western Australia | $2,144/yr | $1,944/yr |
| National | $2,965/yr | $2,716/yr |
Across the board, this quote undercuts every benchmark — suburb, LGA, state, and national. Notably, Western Australia as a whole tends to sit below the national average of $2,965, partly because WA's southern metro areas don't carry the same cyclone loading that drives up premiums in Queensland and the Northern Territory. Even so, Hillarys premiums are elevated relative to the WA state average, likely reflecting the suburb's higher property values and proximity to the coast.
You can explore the full picture of local pricing trends at the Hillarys suburb stats page, which draws on data from 64 quotes in the area — a solid sample size for a suburban postcode.
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Property Features That Affect Your Premium
Several characteristics of this property work in favour of a lower premium. Understanding these can help you appreciate why this quote lands where it does.
Double Brick Construction
Double brick is widely regarded by insurers as one of the most resilient wall materials available. It offers strong resistance to fire, wind, and general structural stress. For a home built in 1976 — a period when double brick construction was standard across Perth's northern suburbs — this is a significant positive. Insurers typically reward this with lower premiums compared to homes with timber or lightweight cladding.
Tiled Roof
A tile roof is another tick in the right column. Tiles are durable, fire-resistant, and have a long lifespan when properly maintained. They're far less susceptible to storm damage than corrugated iron or older fibrous cement sheeting, which can reduce the likelihood of weather-related claims.
Slab Foundation
A concrete slab foundation is considered low-risk from an insurer's perspective. It's resistant to subsidence and doesn't carry the moisture and pest-related risks associated with older suspended timber floors.
No Cyclone Risk
Hillarys falls outside designated cyclone risk zones, which is a meaningful factor. Cyclone-rated policies in northern WA and Queensland can attract significant premium loadings. Not being in one of those zones removes a substantial cost driver from the equation.
Swimming Pool
The property does include a swimming pool, which can add a small amount to premiums due to liability considerations and the cost of pool-related infrastructure in a claim. However, in this case, it clearly hasn't pushed the price above the competitive range.
Age of Property
At nearly 50 years old, the 1976 build date is worth monitoring. Older homes can sometimes attract higher premiums due to ageing plumbing, wiring, or roofing — but with double brick construction and tiles, this home's bones are solid. It's worth ensuring your sum insured reflects current rebuild costs, which can differ from market value, especially for older properties.
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Tips for Homeowners in Hillarys
1. Review your sum insured regularly At $600,000, the building sum insured on this quote is substantial — but construction costs have risen sharply in recent years. Make sure your sum insured reflects what it would actually cost to rebuild your home from scratch today, not what you paid for it or what it's worth on the market. Underinsurance is one of the most common — and costly — mistakes homeowners make.
2. Don't overlook your contents $150,000 in contents cover is a reasonable starting point for a four-bedroom home, but it's easy to underestimate the value of everything inside. Do a room-by-room audit periodically, particularly after major purchases like appliances, electronics, or furniture.
3. Compare quotes at renewal time This quote is well below the suburb average, but premiums can shift from year to year. Insurers sometimes quietly increase premiums at renewal. Make it a habit to compare quotes annually rather than auto-renewing — even a 15-minute comparison could save you hundreds.
4. Maintain your pool and roof Insurers may reduce or decline claims if damage is attributed to a lack of maintenance. Keep your pool fencing compliant with WA regulations, and have your tile roof inspected periodically to catch cracked or slipped tiles before they become a water ingress problem.
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Get a Quote for Your Home
Whether you're a Hillarys local or elsewhere in Western Australia, it pays to know where your premium sits relative to the market. CoverClub makes it easy to compare home and contents insurance quotes in minutes. Enter your address to get started and find out if you're paying more than you should be.