Kingsley is a well-established suburb in Perth's northern corridor, known for its leafy streets, solid family homes, and proximity to both Warwick and Joondalup. If you own a free standing home here — particularly one of the many double brick homes built in the 1970s — understanding what you should be paying for home and contents insurance is an important part of managing your household finances. This article breaks down a real insurance quote for a 4-bedroom, 2-bathroom property in Kingsley (WA 6026), and puts it in context with local, state, and national data.
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Is This Quote Fair?
The annual premium for this quote comes in at $1,904 per year (or $182/month), covering both building and contents. The building is insured for $631,000 and contents for $100,000, with a $500 excess applying to both.
Our price rating for this quote is FAIR — Around Average.
That assessment holds up when you look at the numbers. The suburb average premium for Kingsley sits at $1,699/year, and the median is $1,615/year, meaning this quote is modestly above the midpoint for the area. However, it falls comfortably within the interquartile range — the 25th percentile is $1,213/year and the 75th percentile is $2,049/year — so it's far from the most expensive option available.
In other words, roughly half of Kingsley homeowners are paying less, but a significant portion are paying more. There's room to improve, but this quote isn't cause for alarm.
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How Kingsley Compares
One of the standout takeaways from this data is just how favourably Kingsley compares to broader benchmarks. Check out the Kingsley suburb insurance stats for a fuller picture, but here's a quick summary:
| Benchmark | Premium |
|---|---|
| This quote | $1,904/yr |
| Kingsley suburb average | $1,699/yr |
| Kingsley suburb median | $1,615/yr |
| LGA (Wanneroo) average | $1,550/yr |
| WA state average | $2,811/yr |
| WA state median | $2,127/yr |
| National average | $5,347/yr |
| National median | $2,764/yr |
The gap between Kingsley and the rest of the country is striking. At $1,904/year, this quote is 32% below the WA state average and a remarkable 64% below the national average. Even compared to the WA state insurance data, Kingsley homeowners are in a genuinely advantageous position.
When you look at national home insurance statistics, the contrast becomes even more pronounced. Much of the national average is skewed upward by high-risk regions — cyclone-prone areas in Queensland and the Northern Territory, flood-affected zones, and bushfire corridors — none of which significantly affect Kingsley's risk profile.
The LGA average for Wanneroo ($1,550/year) is slightly below the Kingsley suburb average, suggesting some variation within the council area, but Kingsley remains a relatively affordable market for home insurance overall.
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Property Features That Affect Your Premium
Every property is different, and insurers price risk based on a range of physical characteristics. Here's how the features of this particular home likely influence its premium:
Double Brick Construction Double brick is widely regarded by insurers as one of the most resilient wall types available in Australia. It offers strong resistance to fire, wind, and impact damage, which typically translates to lower risk assessments and more competitive premiums. Many of Perth's post-war homes were built this way, and it remains a genuine advantage when seeking cover.
Tiled Roof A tiled roof is considered a durable, low-maintenance roofing material. Compared to older corrugated iron or asbestos sheeting, tiles generally attract more favourable pricing from insurers, provided the tiles are in good condition. Given the home was built in 1975, it's worth ensuring the roof has been maintained or updated, as aging tiles can become a liability.
Slab Foundation A concrete slab foundation is standard for homes of this era in Perth and is generally viewed neutrally by insurers. It avoids the subsidence risks sometimes associated with older stumped or pier foundations.
Solar Panels This property has solar panels installed, which adds some replacement value to the building. It's important to confirm that your sum insured accounts for the cost of replacing the solar system, as panels can be expensive to repair or replace after storm or hail damage.
Ducted Climate Control Ducted air conditioning is a significant fixed asset. Like solar panels, it should be factored into your building sum insured to avoid being underinsured in the event of a total loss.
No Pool, No Cyclone Risk The absence of a swimming pool removes a common liability exposure, and Kingsley's location outside designated cyclone risk zones keeps the risk profile relatively straightforward.
Contents: $100,000 A $100,000 contents value is a reasonable estimate for a 4-bedroom home, though it's worth doing a proper inventory to make sure it's accurate. Underinsuring contents is a common mistake that can leave homeowners significantly out of pocket after a claim.
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Tips for Homeowners in Kingsley
1. Review your sum insured regularly Building costs have risen substantially in recent years. A home built in 1975 that was valued at a certain amount five years ago may cost significantly more to rebuild today. Use a building cost calculator or speak with a quantity surveyor to make sure your $631,000 sum insured still reflects current construction costs in Perth's northern suburbs.
2. Shop around — even if your current quote seems reasonable A "Fair" rating means this quote is around average, not that it's the best available. With a 25th percentile of $1,213/year in Kingsley, there are clearly more competitive options on the market. Compare quotes at CoverClub to see what other insurers are offering for the same level of cover.
3. Check your solar and ducted AC are fully covered Both solar panels and ducted climate control systems should be explicitly included in your building sum insured. Ask your insurer directly whether these are covered and for how much — some policies have sub-limits or exclusions that could catch you off guard.
4. Consider your excess carefully This quote carries a $500 excess on both building and contents. Opting for a higher excess (say, $1,000 or $2,000) can reduce your annual premium meaningfully. If you have the financial buffer to absorb a larger out-of-pocket cost in the event of a claim, this can be a smart way to lower your ongoing costs.
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Compare Your Options with CoverClub
Whether you're renewing your existing policy or shopping for the first time, it pays to compare. CoverClub makes it easy to see how your home insurance quote stacks up against real data from your suburb and across Australia. Get a home insurance quote today and find out if you're paying a fair price — or if there's a better deal waiting for you.