Kirrawee is a well-established suburb in Sydney's Sutherland Shire, known for its leafy streets, solid brick homes, and easy access to both the city and the Royal National Park. If you own a free standing home here, you're likely sitting on a significant asset — and making sure it's properly insured is one of the most important financial decisions you can make. This article breaks down a real home and contents insurance quote for a four-bedroom property in Kirrawee, assesses whether the price is competitive, and offers practical tips to help you get the best value from your cover.
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Is This Quote Fair?
The quote in question comes in at $2,692 per year (or $258 per month) for combined home and contents insurance, with a building sum insured of $739,000 and contents valued at $50,000. Both the building and contents excess are set at $1,000.
Our price rating for this quote is FAIR — Around Average, and the data backs that up.
Compared to the suburb average of $2,593/yr and a median of $2,724/yr for Kirrawee, this quote sits almost exactly in the middle of the pack. At $2,692, it's marginally above the suburb average but just below the median — a strong sign that the pricing is neither excessive nor suspiciously cheap. The suburb's interquartile range runs from $1,808 at the 25th percentile to $3,261 at the 75th percentile, placing this quote comfortably within the typical band paid by Kirrawee homeowners.
In short: you're not being overcharged, but there may still be room to sharpen the price with a bit of shopping around.
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How Kirrawee Compares
One of the most striking takeaways from this data is just how affordable Kirrawee is relative to broader benchmarks.
| Benchmark | Average Premium | Median Premium |
|---|---|---|
| Kirrawee (suburb) | $2,593/yr | $2,724/yr |
| NSW (state) | $9,528/yr | $3,770/yr |
| National | $5,347/yr | $2,764/yr |
| Sutherland LGA | $23,423/yr | — |
The NSW state average of $9,528/yr is dramatically higher than what Kirrawee homeowners typically pay — but this figure is heavily skewed by high-risk and high-value properties across the state, particularly in flood-prone, bushfire-affected, or coastal areas. The NSW median of $3,770/yr is a more useful comparison point, and Kirrawee still comes in well below that.
Nationally, the average premium sits at $5,347/yr, again inflated by extreme-risk properties in cyclone-prone Queensland and flood-affected regions. The national median of $2,764/yr is actually very close to what this Kirrawee quote is pricing at — suggesting the property is being treated similarly to a typical Australian home.
Perhaps most telling is the Sutherland LGA average of $23,423/yr. This figure is almost certainly distorted by a small number of very high-value or high-risk properties in the local government area, so it shouldn't be taken as representative of what most Sutherland Shire homeowners pay. Kirrawee's own suburb-level data is far more instructive.
The takeaway: Kirrawee is a relatively affordable suburb to insure, and this quote reflects that.
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Property Features That Affect Your Premium
Several characteristics of this property influence how insurers assess and price the risk.
Brick Veneer Walls & Colorbond Roof
Brick veneer construction is viewed favourably by most insurers — it's durable, fire-resistant, and common across Sydney's southern suburbs. Paired with a steel Colorbond roof, this combination is considered low-to-moderate risk. Colorbond roofing is lightweight, resistant to corrosion, and holds up well in storms, which can help keep premiums in check.
Slab Foundation & Tiled Flooring
A concrete slab foundation is standard for homes built in this era and is generally considered stable and low-maintenance. Tiled flooring throughout also reduces the risk of water damage claims compared to timber or carpet, which can be a subtle positive when insurers assess contents and building risk.
Built in 1975
Homes from this era are well past their initial construction phase and have typically had any major structural issues identified and addressed over the decades. However, older homes can carry higher risk around ageing plumbing, wiring, and roofing components — factors insurers do weigh up, even if the overall impact here appears modest.
Swimming Pool
A pool adds both value and liability to a property. Insurers factor in the potential for accidental damage, water-related claims, and public liability exposure. It's worth checking that your policy explicitly covers pool infrastructure and that your public liability limit is adequate.
Solar Panels
Solar panels are an increasingly common feature on Sydney homes and are generally covered under building insurance as a fixed fixture. However, it's worth confirming with your insurer that the panels, inverter, and associated wiring are included in your building sum insured — some policies require explicit endorsement.
Ducted Climate Control
Ducted air conditioning systems are a significant fixed asset and should be included in your building sum insured. At $739,000, the building cover here appears to account for this, but it's always worth verifying that your sum insured reflects the full cost of rebuilding — not just the base structure.
No Cyclone Risk
Kirrawee falls outside designated cyclone risk zones, which removes one of the most significant premium loading factors that affect properties in northern Australia. This contributes to the suburb's comparatively affordable insurance rates.
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Tips for Homeowners in Kirrawee
1. Review your building sum insured regularly Construction costs have risen sharply in recent years. A sum insured of $739,000 for a 235 sqm home works out to roughly $3,145 per sqm — reasonable for Sydney, but worth stress-testing against a current building cost estimate. Being underinsured can leave you significantly out of pocket after a major claim.
2. Check your pool and solar panel cover Don't assume these features are automatically included. Ask your insurer specifically whether your pool equipment (pump, filter, fencing) and solar panel system are covered, and under what circumstances. Some policies treat these as optional extras.
3. Consider your contents value carefully At $50,000, the contents cover in this quote is on the modest side for a four-bedroom home with standard fittings. Walk through each room and tally up the replacement cost of furniture, appliances, clothing, and electronics — many homeowners find they're underinsured on contents without realising it.
4. Compare quotes at renewal time Even a "fair" quote can be beaten. Insurance markets shift, and loyalty doesn't always pay — many insurers offer better rates to new customers. Use a comparison tool at renewal to see whether you can get equivalent cover for less.
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Ready to Compare?
Whether you're reviewing your current policy or shopping for the first time, comparing quotes is the smartest way to make sure you're getting fair value. Get a home insurance quote at CoverClub and see how your premium stacks up against real data from your suburb. You can also explore detailed pricing benchmarks on the Kirrawee suburb stats page to understand what your neighbours are paying.