If you own a four-bedroom free standing home in Kawungan, QLD 4655, you're likely curious about whether your home and contents insurance premium is competitive. Kawungan is a well-established residential suburb in the Fraser Coast region, and like much of Queensland, insurance costs here can vary significantly depending on your property's characteristics and the insurer you choose. This article breaks down a real quote for a brick veneer home in the area — $2,605 per year — and puts it in context against local, state, and national benchmarks.
---
Is This Quote Fair?
The short answer: yes, broadly speaking. This quote has been rated Fair (Around Average), which means it sits comfortably in the middle of the market for Kawungan — not the cheapest available, but far from excessive.
At $2,605 per year (or $243 per month), the premium is almost exactly on the suburb's median of $2,604. That's a remarkably close alignment, suggesting this quote reflects what a typical Kawungan homeowner with a similar property profile might expect to pay. The building is insured for $759,000 and contents for $50,000, with a $1,000 building excess and $500 contents excess — fairly standard settings for a property of this size and age.
It's worth noting that being "around average" doesn't necessarily mean you can't do better. The 25th percentile for Kawungan sits at $1,987 per year, which means roughly one in four quotes in this suburb come in noticeably cheaper. If you haven't compared multiple insurers recently, there's a real chance you could save several hundred dollars annually without sacrificing meaningful cover.
---
How Kawungan Compares
One of the most striking takeaways from this data is just how much cheaper Kawungan is compared to the broader Queensland and national picture. Here's a quick snapshot:
| Benchmark | Average Premium | Median Premium |
|---|---|---|
| Kawungan (suburb) | $2,958/yr | $2,604/yr |
| Queensland (state) | $9,129/yr | $3,903/yr |
| National | $5,347/yr | $2,764/yr |
The Queensland state average of $9,129 is dramatically higher than what Kawungan homeowners typically pay — though it's important to understand that this figure is heavily skewed by high-risk areas across the state, including flood-prone regions and cyclone-affected coastal zones. The median is a more useful comparison, and even then, Queensland's median of $3,903 is around 50% higher than Kawungan's median of $2,604.
Compared to the national median of $2,764, Kawungan actually comes in slightly cheaper — a positive sign for homeowners in this suburb. You can explore more Kawungan suburb insurance statistics, Queensland-wide data, and national home insurance benchmarks on CoverClub.
It's also worth highlighting that the sample size for Kawungan is 31 quotes — a reasonable dataset for a suburban postcode, giving these figures meaningful context rather than being based on just a handful of results.
---
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 likely influence its premium:
Brick Veneer Walls & Colorbond Roof
Brick veneer is generally viewed favourably by insurers — it's durable, fire-resistant, and widely used across Australian suburbs. Combined with a steel Colorbond roof, this home has a construction profile that tends to attract competitive premiums. Colorbond roofing is low-maintenance, weather-resistant, and performs well in the Queensland climate.
Slab Foundation & Tiled Flooring
A concrete slab foundation is standard for Queensland homes built in the 1990s and is considered low-risk from a structural standpoint. Tiled flooring throughout also reduces the risk of water damage claims compared to timber or carpet, which can be a subtle positive for insurers.
Swimming Pool
The presence of a pool adds a small layer of liability risk, which can nudge premiums upward. Pools require additional coverage considerations, including public liability for injuries on the property. Ensuring your policy explicitly covers pool-related liability is important.
Solar Panels
Solar panels are increasingly common across Queensland, and most modern policies include them under building cover — but it's worth confirming this with your insurer. Panels represent a significant asset (often $8,000–$15,000 or more to replace), and having them correctly listed under your sum insured helps avoid underinsurance.
No Cyclone Risk
Kawungan is not classified as a cyclone risk area, which is a meaningful factor in keeping premiums lower than many other Queensland postcodes. Coastal and far-north Queensland properties often attract significant cyclone loading on their premiums — the absence of this here is a genuine advantage.
1995 Construction
At around 30 years old, this home is mature but not aged. Properties from this era were generally built to solid standards, though some insurers may factor in the age of plumbing and electrical systems when assessing risk.
---
Tips for Homeowners in Kawungan
1. Compare Quotes Regularly
Even if your current premium feels reasonable, the insurance market shifts constantly. Comparing quotes annually — especially at renewal time — is one of the simplest ways to ensure you're not overpaying. With the 25th percentile in Kawungan sitting at $1,987, there's meaningful savings potential for some homeowners.
2. Review Your Sum Insured
With a building insured at $759,000 for a 214 sqm home, the per-square-metre rebuild cost works out to approximately $3,547/sqm. This is within a realistic range for Queensland, but construction costs have risen sharply in recent years. It's worth getting a professional building valuation or using an online calculator to ensure your sum insured keeps pace with current rebuild costs.
3. Check Your Pool and Solar Panel Coverage
Both a swimming pool and solar panels are assets that can be easily overlooked or underinsured. Confirm with your insurer that your pool equipment and solar system are explicitly included in your building cover — and at what value. If your solar system has been upgraded since you first took out the policy, your sum insured may need updating.
4. Consider Your Excess Settings
This policy carries a $1,000 building excess and $500 contents excess. Opting for a higher excess can reduce your annual premium — but make sure the excess is an amount you could comfortably cover out of pocket if you needed to make a claim. For a property of this value, some homeowners find that a slightly higher excess offers a worthwhile premium reduction.
---
Ready to Compare?
Whether you're renewing soon or just curious about what's available, comparing quotes is always worthwhile. CoverClub makes it easy to see how different insurers price your specific home — so you can make a confident, informed decision. Get a home insurance quote today and find out if you could be paying less for the same level of cover.