Kemps Creek is a semi-rural suburb tucked in Sydney's south-western fringe, sitting within the Fairfield local government area. Known for its spacious residential blocks and a mix of older and newer housing stock, it's the kind of suburb where a solid, well-established free standing home is the norm rather than the exception. If you own a four-bedroom property here and you're weighing up whether your home and contents insurance premium is competitive, this analysis breaks down exactly where a quote of $2,978 per year sits relative to your neighbours, your state, and the national picture.
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Is This Quote Fair?
The short answer: yes — but only just. This quote has been rated Fair (Around Average), which means it's not a bargain, but it's not cause for alarm either.
At $2,978 per year (or roughly $292 per month), this premium covers:
- Building sum insured: $866,000
- Contents value: $50,000
- Building excess: $1,000
- Contents excess: $1,000
A "Fair" rating reflects that the premium lands within a reasonable band of what other homeowners in similar circumstances are paying. It's not in the cheapest quartile, but it's also comfortably below the upper quartile — meaning there's room to potentially do better with some shopping around, but you're not being dramatically overcharged.
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How Kemps Creek Compares
To put this quote in proper context, here's how $2,978/yr stacks up across different benchmarks:
| Benchmark | Premium |
|---|---|
| This Quote | $2,978/yr |
| Kemps Creek Suburb Average | $2,909/yr |
| Kemps Creek Suburb Median | $2,884/yr |
| Kemps Creek 25th Percentile | $2,478/yr |
| Kemps Creek 75th Percentile | $3,329/yr |
| Fairfield LGA Average | $3,071/yr |
| NSW State Average | $3,801/yr |
| NSW State Median | $3,410/yr |
| National Average | $2,965/yr |
| National Median | $2,716/yr |
(Based on 29 quotes sampled for the Kemps Creek 2178 area.)
A few things stand out here. First, this quote sits slightly above the suburb average and median, which is why it earns a "Fair" rather than "Good" rating. However, the gap is modest — just $69 above the suburb average — so it's not a red flag.
Second, and perhaps more meaningfully, this quote is significantly below the NSW state average of $3,801/yr — a difference of $823 per year. NSW homeowners tend to pay more than the national average, partly due to elevated storm, hail, and bushfire exposure across many parts of the state. Kemps Creek's premiums tracking well below the state average suggests the suburb carries a relatively lower risk profile in insurers' eyes.
Third, the quote is broadly in line with the national average of $2,965/yr, sitting just $13 above it. For a four-bedroom brick veneer home in Western Sydney, that's a reasonable outcome.
You can explore more local pricing data on the Kemps Creek suburb stats page, compare it against NSW state-wide insurance trends, or see how it measures up on the national home insurance stats page.
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Property Features That Affect Your Premium
Every insurer prices risk differently, but certain property characteristics consistently influence what you pay. Here's how the features of this particular home come into play:
Brick Veneer Walls
Brick veneer is one of the most common external wall types in Australian suburban homes built from the 1960s onwards. It's generally viewed favourably by insurers — brick is non-combustible, relatively resistant to impact damage, and holds up well in storms. Compared to weatherboard or fibre cement cladding, brick veneer typically attracts lower premiums.
Steel / Colorbond Roof
Colorbond roofing is another tick in the right column. It's lightweight, durable, and highly resistant to fire — a meaningful consideration in greater Sydney's increasingly fire-prone landscape. Colorbond also performs well in hail events compared to older tile roofs, which can crack or shatter. Insurers generally price Colorbond-roofed homes competitively.
Construction Year: 1966
Older homes can cut both ways when it comes to insurance pricing. A 1966 build means the property is nearly 60 years old, which may raise questions about the condition of plumbing, electrical systems, and structural elements. However, the brick veneer construction and Colorbond roof (likely a more recent upgrade) suggest the property has been maintained or partially modernised. It's worth ensuring your sum insured reflects current rebuild costs, not just the original construction value.
Slab Foundation & Tile Flooring
A concrete slab foundation is standard for this era of construction and is generally considered low-risk from an insurance perspective. Combined with tile flooring, the property has good resilience against water damage — tiles don't warp or swell the way timber floors can, which can reduce the severity of certain water-related claims.
Slight Elevation (Less Than 1m)
The property is noted as slightly elevated — less than one metre — which provides a marginal buffer against surface water ingress during heavy rain events. It's not a dramatic elevation, but every little bit helps in a suburb that can experience intense summer storms.
Standard Fittings
With standard-quality fittings, the contents and building replacement costs are more predictable and typically lower than homes with high-end finishes. This keeps the premium grounded.
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Tips for Homeowners in Kemps Creek
1. Review Your Building Sum Insured Regularly
At $866,000, the building sum insured needs to reflect the full cost of rebuilding your home from the ground up — not the market value of the land. Construction costs have risen sharply across Australia in recent years. Use an independent building cost calculator or speak to a quantity surveyor to make sure you're not underinsured.
2. Consider Increasing Your Excess to Lower Your Premium
Both the building and contents excess on this policy sit at $1,000. If you have sufficient savings to cover a higher out-of-pocket cost in the event of a claim, opting for a $2,000 or $2,500 excess could meaningfully reduce your annual premium. Just make sure the saving justifies the additional risk you're absorbing.
3. Bundle Building and Contents — But Still Compare
This policy already bundles home and contents cover, which is typically more cost-effective than holding two separate policies. That said, the bundled price should still be compared against the market. Some insurers offer sharper pricing on combined policies; others are more competitive when the covers are split.
4. Don't Set and Forget
Insurance premiums can shift significantly at renewal, even if nothing about your property has changed. Set a reminder to compare quotes at least 30 days before your renewal date. A few hours of research can save hundreds of dollars per year — and you may find equivalent or better cover at a lower price point.
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Ready to Compare?
Whether you're looking to benchmark your existing policy or find a better deal, CoverClub makes it easy to compare home and contents insurance quotes for properties across Kemps Creek and greater Sydney. Get a quote today and see how much you could save.