If you own a free standing home in Huntingdale, WA 6110, you've probably wondered whether you're paying a fair price for home and contents insurance — or whether there's a better deal waiting to be found. This article breaks down a real insurance quote for a three-bedroom, two-bathroom home in the suburb, comparing it against local, state, and national benchmarks so you can make a genuinely informed decision.
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Is This Quote Fair?
The annual premium for this quote comes in at $1,453 per year (or $142 per month), covering both building and contents. The building is insured for $550,000, with contents covered to $250,000. The building excess sits at $2,000, while the contents excess is a more modest $600.
Our price rating for this quote is FAIR — Around Average, and the data backs that up. Within Huntingdale itself, the suburb average premium is $1,592 per year and the median sits slightly higher at $1,684. At $1,453, this quote comes in below both the local average and median, which is a solid result.
That said, "fair" doesn't necessarily mean "the best available." The suburb's 25th percentile sits at $717 per year, indicating that some homeowners in the area are paying considerably less — though those policies may carry different levels of cover, higher excesses, or fewer inclusions. The 75th percentile reaches $2,208, so there's also plenty of room to be paying more. Context matters here: the sum insured and contents value in this quote are substantial, which naturally pushes the premium upward compared to more modestly covered properties.
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How Huntingdale Compares
Zooming out beyond the suburb paints an even more favourable picture. Check out the full Huntingdale insurance statistics for a deeper look at local pricing trends.
- LGA (City of Gosnells) average: $1,427/yr
- WA state average: $2,811/yr — see WA insurance data
- National average: $5,347/yr — see national insurance data
At $1,453, this quote sits almost exactly in line with the City of Gosnells LGA average, and comes in at roughly half the WA state average. Compared to the national average of $5,347, it looks exceptionally competitive — though it's worth noting that national averages are skewed heavily by high-risk regions such as cyclone-prone parts of Queensland and Northern Australia.
The WA state median of $2,127 and the national median of $2,764 are more useful reference points for a typical Australian homeowner. Against either measure, this Huntingdale quote holds up well, sitting comfortably below both figures.
One important factor: Huntingdale is not classified as a cyclone risk area, which significantly reduces the risk loading that insurers apply in northern parts of the country. This is a meaningful advantage for Perth metro homeowners when it comes to keeping premiums manageable.
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Property Features That Affect Your Premium
Several characteristics of this property have a direct bearing on how insurers price the risk.
Double Brick Construction
Double brick walls are generally viewed favourably by insurers. They offer strong resistance to fire, wind, and structural damage, and tend to reduce the likelihood of major structural claims. For a home built in 1972, double brick construction also signals durability — many of these homes have stood for over 50 years with minimal structural issues.
Tiled Roof
A tiled roof is another positive signal for underwriters. Compared to corrugated iron or older materials, tiles offer good weather resistance and longevity, though they can be more expensive to repair or replace if damaged by fallen branches or severe storms.
Slab Foundation
A concrete slab foundation is standard for homes of this era in Western Australia and is generally considered low-risk from an insurance perspective, particularly in areas without significant soil movement or flooding concerns.
Timber and Laminate Flooring
Timber and laminate floors can be costlier to repair or replace following water damage events compared to tiles, which may have a modest upward influence on the contents or building premium. It's worth ensuring your sum insured accounts for the cost of floor replacement.
Swimming Pool
A pool adds both value and risk to a property. Insurers factor in the potential for liability claims, equipment damage, and water-related incidents. Homeowners with pools should confirm that their policy includes adequate cover for pool equipment and any associated structures.
Solar Panels
Solar panels are an increasingly common feature on Perth homes, and most modern policies include them under building cover — but it's always worth double-checking. Panels can be damaged by hail, storms, or falling debris, and replacement costs have risen alongside installation rates. Make sure your sum insured reflects the replacement value of your system.
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Tips for Homeowners in Huntingdale
1. Review your sum insured regularly Building costs have risen sharply across Australia in recent years. A sum insured that was accurate two or three years ago may no longer reflect what it would actually cost to rebuild your home today. Use a building cost calculator or speak with a local builder to get an updated estimate.
2. Check what's included for your pool and solar system Not all policies automatically extend full cover to pool equipment or solar panel arrays. Read your Product Disclosure Statement (PDS) carefully to confirm these are included, and that the limits are sufficient for replacement.
3. Consider your excess settings This quote carries a $2,000 building excess. Opting for a higher excess can reduce your annual premium, but make sure it's an amount you could comfortably cover out of pocket in the event of a claim. Conversely, if cash flow is a concern, a lower excess with a slightly higher premium might offer better peace of mind.
4. Compare at renewal time — every year Insurance pricing changes frequently, and loyalty doesn't always pay. Even if your current premium feels reasonable, running a comparison at renewal takes only a few minutes and could reveal meaningfully cheaper options for equivalent cover.
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Ready to Compare?
Whether you're reviewing your existing policy or shopping for the first time, it pays to see what's out there. Get a home insurance quote at CoverClub and compare options tailored to your Huntingdale property in minutes. With suburb-level pricing data and transparent comparisons, CoverClub makes it easy to know if you're getting a genuinely good deal — not just an average one.