Kawungan is a well-established residential suburb in the Fraser Coast region of Queensland, sitting just inland from Hervey Bay. With a mix of modern family homes and a relaxed coastal lifestyle, it's a popular spot for owner-occupiers — and that means home insurance is a serious consideration. This article takes a close look at a recent quote for a four-bedroom, two-bathroom free standing home in Kawungan, breaking down whether the price stacks up and what local homeowners should keep in mind.
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Is This Quote Fair?
The quote in question is $2,215 per year (or $217/month) for combined Home and Contents cover, with a building sum insured of $1,000,000 and contents valued at $150,000. The building excess sits at $2,000, with a separate contents excess of $600.
Our pricing tool has rated this quote as FAIR — Around Average, which is a reasonable outcome for a property of this size and specification. It's not the cheapest option on the market, but it's also well within what you'd expect to pay for a well-appointed four-bedroom home with above-average fittings, a swimming pool, and solar panels.
A "Fair" rating means the premium is broadly in line with what comparable properties in the area are attracting — you're not being overcharged, but there may still be room to shop around and find a marginally better deal without sacrificing cover quality.
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How Kawungan Compares
To put this quote into proper context, it helps to look at the broader pricing landscape. Here's how the $2,215 annual premium measures up across different benchmarks:
| Benchmark | Premium |
|---|---|
| This Quote | $2,215/yr |
| Kawungan Suburb Average | $2,331/yr |
| Kawungan Suburb Median | $2,655/yr |
| Kawungan 25th Percentile | $995/yr |
| Kawungan 75th Percentile | $3,749/yr |
| QLD State Average | $4,547/yr |
| QLD State Median | $3,931/yr |
| National Average | $2,965/yr |
| National Median | $2,716/yr |
A few things stand out here. First, this quote comes in below both the suburb average and median, which is a positive sign. With a suburb median of $2,655, paying $2,215 means this homeowner is sitting comfortably in the lower half of the local pricing range.
Second — and perhaps most strikingly — this quote is significantly below the Queensland state average of $4,547. That's a gap of over $2,300 per year, which reflects just how much variability exists across Queensland. Many parts of the state face elevated premiums due to cyclone exposure, flooding risk, and extreme weather events. Kawungan, while coastal in nature, is not classified as a cyclone risk area, which plays a meaningful role in keeping premiums more moderate.
Compared to the national average of $2,965, this quote also performs well, coming in roughly $750 below that figure.
You can explore more local data on the Kawungan suburb stats page, compare it against the Queensland state overview, or see where it sits on the national insurance landscape.
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Property Features That Affect Your Premium
Every property is different, and insurers weigh up a range of characteristics when calculating your premium. Here's how the features of this particular home are likely influencing the price:
Brick Veneer Walls & Colorbond Roof Brick veneer is generally viewed favourably by insurers — it's durable, fire-resistant, and relatively low-maintenance. Paired with a steel Colorbond roof, this combination is considered a solid, modern construction that holds up well in Queensland's climate. Both materials contribute to a lower risk profile compared to, say, weatherboard or fibrous cement.
Slab Foundation A concrete slab foundation is standard for homes built in this era and region. It's a stable, low-risk foundation type that doesn't raise any red flags for underwriters.
Built in 2010 At around 15 years old, this home is relatively modern. Newer builds tend to attract more favourable premiums because they're more likely to comply with updated building codes, have newer electrical and plumbing systems, and carry less deferred maintenance risk.
Swimming Pool A pool adds to the replacement cost of the property and introduces some liability considerations, which can nudge premiums upward. Homeowners with pools should ensure their policy explicitly covers pool-related structures and equipment.
Solar Panels Solar panels are an increasingly common feature on Queensland homes, but they do add to the insured value of the property. It's important to confirm that your policy covers the panels themselves — both for damage to the panels and any damage they might cause to the roof during a storm or hail event.
Above-Average Fittings The above-average fittings quality — think stone benchtops, quality appliances, and premium fixtures — means the cost to rebuild or repair the home is higher than a standard fit-out. This is appropriately reflected in the $1,000,000 building sum insured.
No Ducted Climate Control The absence of ducted air conditioning is a minor factor, but it does mean one less expensive system to insure and potentially replace.
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Tips for Homeowners in Kawungan
1. Review your sum insured regularly Building costs have risen considerably over recent years. With a 214 sqm home and above-average fittings, it's worth verifying that your $1,000,000 building sum insured accurately reflects current construction costs in the Fraser Coast area. Underinsurance is one of the most common — and costly — mistakes homeowners make.
2. Confirm your solar panels and pool are covered Not all standard home insurance policies automatically include full cover for solar panel systems or pool equipment. Check your Product Disclosure Statement (PDS) carefully, and ask your insurer to confirm what's included — particularly for storm damage, hail impact, or electrical faults.
3. Consider your excess settings This quote carries a $2,000 building excess, which is on the higher side. A higher excess generally lowers your premium, but it also means a larger out-of-pocket cost when you need to make a claim. Think about whether you'd be comfortable covering that amount in a worst-case scenario, and adjust if needed.
4. Compare quotes annually The insurance market shifts constantly, and loyalty doesn't always pay. Even if your current premium feels reasonable, it's worth running a fresh comparison each year at renewal time — particularly as your property's value, contents, and risk profile may have changed.
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Ready to Find a Better Deal?
Whether you're renewing your policy or insuring a new home in Kawungan, comparing quotes is the smartest first step. CoverClub makes it easy to see what's available across multiple insurers in minutes. Get a home insurance quote today and find out if you could be paying less for the same — or better — cover.