If you own a free standing home in Kardinya, WA 6163, you're likely paying close attention to the cost of home insurance — especially as premiums continue to shift across Australia. This article takes a close look at a real home and contents insurance quote for a four-bedroom, double brick home in Kardinya, breaking down whether the price is competitive and what factors are likely driving it.
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Is This Quote Fair?
The annual premium for this quote comes in at $1,125 per year (or roughly $108 per month), covering both building (insured at $200,000) and contents (insured at $50,000), each with a $1,000 excess.
Our price rating for this quote is FAIR — Around Average, which means it's sitting in a reasonable range but isn't the cheapest available. To put that in context:
- The suburb average for Kardinya is $1,261/yr, and the median sits at $1,224/yr
- This quote comes in below both the suburb average and median — a positive sign
- However, it's above the 25th percentile of $1,063/yr, meaning roughly a quarter of comparable quotes in the area are cheaper
So while this isn't a standout bargain, it's genuinely competitive for the suburb. Homeowners who haven't compared recently may well be paying more than this without realising it.
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How Kardinya Compares
One of the most striking takeaways when you zoom out is just how affordable Kardinya is relative to the broader insurance landscape. You can explore the full breakdown on the Kardinya suburb stats page.
| Benchmark | Annual Premium |
|---|---|
| This Quote | $1,125 |
| Kardinya Suburb Average | $1,261 |
| Kardinya Suburb Median | $1,224 |
| LGA (Fremantle) Average | $1,490 |
| WA State Average | $2,811 |
| WA State Median | $2,127 |
| National Average | $5,347 |
| National Median | $2,764 |
Compared to the WA state average of $2,811/yr, this quote is less than half the price — a significant difference. And when stacked against the national average of $5,347/yr, Kardinya homeowners are in a genuinely fortunate position.
Much of this comes down to geography. Kardinya sits in Perth's southern suburbs, well outside cyclone-prone regions and away from the high-risk bushfire corridors that push premiums sky-high in parts of regional WA and Queensland. It's a relatively stable, low-risk postcode from an insurer's perspective — and that's reflected in the pricing.
It's worth noting that the suburb sample size here is 13 quotes, so while the data is directionally useful, a larger dataset would give even greater confidence in these benchmarks.
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Property Features That Affect Your Premium
Every home is different, and insurers price risk based on a range of property-specific factors. Here's how the features of this particular home are likely influencing the premium:
Double Brick Construction
Double brick is widely regarded as one of the most resilient building materials available in Australia. It offers excellent fire resistance, strong structural integrity, and durability against the elements. Insurers tend to view double brick homes favourably, which can contribute to lower premiums compared to weatherboard or lightweight cladding.
Steel/Colorbond Roof
Colorbond roofing is a popular choice in WA and is generally well-regarded by insurers. It's durable, low-maintenance, and performs well in heat. It also carries a lower fire risk than some older roofing materials, which works in the homeowner's favour at renewal time.
Slab Foundation
A concrete slab foundation is standard for homes of this era in Perth and is considered a low-risk foundation type. Unlike homes with subfloor spaces, slabs reduce the risk of termite damage and certain types of structural movement — both factors that can affect insurance pricing.
Swimming Pool
Having a pool adds value to the property but also introduces additional liability considerations. Most home and contents policies cover pool equipment and structures, but it's worth confirming exactly what's included — particularly for accidental damage or liability if someone is injured.
Solar Panels
Solar panels are increasingly common on Perth homes, and most insurers now include them under building cover as a fixed fixture. However, it's always worth double-checking the policy wording to ensure panels are explicitly listed and that the sum insured accounts for their replacement cost.
Ducted Climate Control
Ducted air conditioning systems are a significant asset in Perth's climate. As a fixed installation, ducted climate control is typically covered under the building sum insured. Homeowners should ensure their building sum insured is sufficient to cover not just the structure but also these built-in systems.
1993 Construction
Homes built in the early 1990s are generally well-constructed and past the point where building defects are a major concern. That said, components like roofing, plumbing, and electrical systems may be approaching the age where maintenance becomes more important — which can have indirect implications for insurance claims.
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Tips for Homeowners in Kardinya
Whether you're renewing your policy or shopping around for the first time, here are some practical steps to make sure you're getting the best value:
- Review your sum insured regularly. Building costs have risen significantly in recent years. A $200,000 building sum insured may have been adequate when the policy was first taken out, but it's worth checking whether it still reflects the actual cost to rebuild your home today. Underinsurance is one of the most common — and costly — mistakes homeowners make.
- Don't overlook your contents. A $50,000 contents value covers the basics, but it's easy to underestimate how much your belongings are actually worth. Do a room-by-room audit periodically, especially if you've made significant purchases like new appliances, furniture, or electronics.
- Ask about discounts for security features. If your home has a monitored alarm system, deadbolts, or security cameras, some insurers will offer a discount. It's always worth asking — these savings aren't always advertised upfront.
- Compare at renewal, not just when you first buy. Insurance markets shift constantly, and loyalty doesn't always pay. Even if your current premium feels reasonable, running a comparison at renewal could reveal a better deal — particularly given the spread between the 25th and 75th percentile in Kardinya ($1,063 to $1,536/yr).
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Ready to Compare?
Whether this quote matches your own situation or you're just starting to explore your options, the best way to know if you're getting a fair deal is to compare. At CoverClub, we make it easy to benchmark your premium against real data from your suburb and beyond.
Get a home insurance quote today and see how your current cover stacks up.