If you own a free standing home in Kenmore Hills, QLD 4069, you've probably wondered whether you're paying a fair price for home insurance — or quietly overpaying year after year. In this article, we analyse a real home and contents insurance quote for a four-bedroom brick veneer home in this leafy western Brisbane suburb, and benchmark it against local, state, and national data so you can make an informed decision.
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Is This Quote Fair?
The quote in question comes in at $1,820 per year (or roughly $174 per month) for combined home and contents cover, with a building sum insured of $838,000 and contents valued at $80,000. Both the building and contents excess are set at $2,000.
Our independent price rating for this quote is CHEAP — below average for the area. That's a meaningful result. In a suburb where premiums can swing dramatically depending on flood mapping, age of construction, and insurer appetite, landing below the local average is a genuine win for the homeowner.
To put it in perspective: the suburb average for Kenmore Hills sits at $3,050 per year, and the median is $2,722 per year. This quote is nearly 40% below the suburb average and sits well beneath even the 25th percentile of $2,094 per year — meaning it's cheaper than at least three-quarters of comparable quotes in the area. For a property with a pool, ducted climate control, and a solid $838,000 building sum insured, that's a competitive outcome worth taking seriously.
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How Kenmore Hills Compares
Kenmore Hills is part of the broader Brisbane LGA, and the insurance pricing landscape here tells an interesting story. You can explore the full breakdown on our Kenmore Hills suburb stats page.
| Benchmark | Premium |
|---|---|
| This Quote | $1,820/yr |
| Suburb Average (Kenmore Hills) | $3,050/yr |
| Suburb Median | $2,722/yr |
| Brisbane LGA Average | $16,277/yr |
| QLD State Average | $9,129/yr |
| QLD State Median | $3,903/yr |
| National Average | $5,347/yr |
| National Median | $2,764/yr |
The Brisbane LGA average of $16,277 per year looks alarming at first glance, but it's heavily skewed by high-risk postcodes — particularly flood-affected areas in Brisbane's inner west, north, and low-lying river suburbs. Kenmore Hills, while not immune to weather risk, is generally considered lower risk than many parts of the LGA, which helps explain why premiums here are more moderate.
Compared to the Queensland state average of $9,129/yr, this quote is a fraction of the cost — largely because QLD's statewide figure is dragged upward by cyclone-prone coastal and far-north regions. Kenmore Hills is not classified as a cyclone risk area, which removes a significant loading that affects much of regional Queensland.
Even against the national average of $5,347/yr, this quote looks exceptionally competitive. The national median of $2,764 per year is the most useful comparison for a typical home, and this quote still comes in beneath it.
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Property Features That Affect Your Premium
Several characteristics of this property work in the homeowner's favour when it comes to pricing:
Brick Veneer Construction Brick veneer is generally well-regarded by insurers. It offers solid fire resistance and structural durability compared to timber-framed or clad homes, which can attract lower base premiums.
Tiled Roof Terracotta or concrete tiles are considered a resilient roofing material. They perform well in hail events and have a long lifespan, both of which insurers tend to reward with more competitive pricing compared to older corrugated iron or ageing Colorbond roofs.
Slab Foundation A concrete slab foundation is a stable, low-maintenance base that carries minimal risk of subsidence or pest-related structural damage — factors that can otherwise push premiums higher.
1992 Construction Homes built in the early 1990s sit in a reasonable sweet spot: old enough to have mature, established construction but not so old as to trigger concerns about outdated wiring, plumbing, or building materials like asbestos.
Swimming Pool A pool adds liability exposure and increases the overall replacement cost of the property. Insurers factor this into their calculations, so it's important to ensure the pool is properly disclosed and that your sum insured accounts for its value.
Ducted Climate Control Ducted air conditioning systems are a significant fixed asset. Their inclusion in the building sum insured of $838,000 is appropriate, as replacement costs for these systems can run into the tens of thousands.
No Cyclone Risk Being outside a cyclone risk zone removes a major premium loading common in northern and coastal Queensland. This is one of the most significant factors keeping this quote well below the state average.
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Tips for Homeowners in Kenmore Hills
1. Review Your Sum Insured Annually Construction costs in South East Queensland have risen sharply in recent years. A building sum insured set even two or three years ago may no longer reflect the true cost of rebuilding your home. With a 214 sqm brick veneer home, it's worth cross-checking your figure against a current quantity surveyor estimate or an online building cost calculator.
2. Check Your Flood Mapping Parts of the Kenmore Hills and broader Moggill Creek catchment area have flood history. Even if your specific block is elevated, it's worth confirming your insurer's flood cover terms and whether your property appears on Brisbane City Council's flood overlay maps. Some policies exclude flood by default — read the Product Disclosure Statement carefully.
3. Don't Auto-Renew Without Comparing The fact that this quote comes in well below the suburb average is a reminder that premiums vary significantly between insurers for the same property. If you've been with the same insurer for several years, loyalty rarely translates to better pricing. Comparing at renewal is one of the simplest ways to avoid overpaying.
4. Reassess Your Contents Value $80,000 in contents cover is a reasonable starting point for a four-bedroom, three-bathroom home, but it's easy to underestimate. Consider whether your contents figure accounts for furniture, appliances, clothing, jewellery, and any high-value items that may require separate listing. Underinsurance on contents is a common and costly mistake.
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Compare Your Own Quote
Whether you're buying for the first time or coming up to renewal, it pays to see what the market is actually offering. CoverClub aggregates real quote data so you can benchmark your premium against what others are paying in your suburb. Get a home insurance quote today and find out if you're getting a fair deal — or leaving money on the table.