Landsdale is a well-established residential suburb in Perth's northern corridor, sitting within the City of Wanneroo. Known for its family-friendly streets, good school catchments, and solid housing stock, it's a popular choice for owner-occupiers looking for space without straying too far from the CBD. This article takes a close look at a real home insurance quote for a five-bedroom, double brick semi detached home in Landsdale — breaking down whether the price is competitive, how it stacks up against broader benchmarks, and what homeowners in the area can do to get the best value from their cover.
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Is This Quote Fair?
The quote in question comes in at $937 per year (or roughly $92/month) for combined home and contents insurance, covering a building sum insured of $810,000 and contents valued at $50,000. The building excess is set at $2,000, with a $1,000 excess on contents.
Our price rating for this quote is FAIR — Around Average, which is an honest and encouraging result. It sits comfortably below the Landsdale suburb average of $1,142/yr and just under the suburb median of $969/yr. In practical terms, this policyholder is paying less than what most of their neighbours are quoted, without having skimped on coverage.
It's worth noting that the 25th percentile for Landsdale quotes is $824/yr — so there is a cheaper cohort in the suburb — but those quotes may reflect lower sums insured, fewer inclusions, or properties with different risk profiles. At $937, this quote represents solid value for a well-specified property with a substantial building sum insured.
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How Landsdale Compares
To put this quote into proper context, it helps to look at the numbers across multiple levels — suburb, state, and national.
| Benchmark | Average Premium | Median Premium |
|---|---|---|
| Landsdale (6065) | $1,142/yr | $969/yr |
| LGA (Wanneroo) | $1,543/yr | — |
| Western Australia | $2,144/yr | $1,944/yr |
| Australia (National) | $2,965/yr | $2,716/yr |
This quote of $937/yr sits 18% below the Landsdale suburb average and well under the City of Wanneroo LGA average of $1,543/yr. The contrast with state and national figures is even more striking — WA homeowners pay an average of $2,144/yr, while nationally the average climbs to $2,965/yr.
Much of the state and national premium inflation is driven by high-risk regions: cyclone-prone areas of northern WA and Queensland, flood-affected zones in NSW and Victoria, and bushfire-exposed fringe suburbs push averages significantly upward. Landsdale, by comparison, benefits from a relatively benign risk environment within metropolitan Perth.
You can explore more data for this postcode at the Landsdale suburb stats page, compare it against the Western Australia state overview, or see where it sits in the national picture.
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Property Features That Affect Your Premium
Insurers don't price all homes the same — the physical characteristics of a property play a significant role in determining risk, and therefore premium. Here's how the features of this particular home factor in:
Double Brick Construction
Double brick is widely regarded as one of the most insurer-friendly wall types in Australia. It offers excellent structural integrity, strong fire resistance, and performs well in high-wind events. Compared to timber-framed or clad homes, double brick properties typically attract lower building premiums — and this is especially true in WA, where double brick has long been the dominant construction method.
Tiled Roof
A tiled roof is another positive from an underwriting perspective. Tiles are durable, fire-resistant, and have a long service life when maintained. They tend to fare better in storms than corrugated iron or Colorbond in many scenarios, though they can be more expensive to repair if individual tiles crack or shift. Overall, tiles are considered a standard, low-risk roofing choice.
Concrete Slab Foundation
A slab-on-ground foundation is the norm for Perth homes of this era and is generally well-regarded by insurers. It offers good stability and reduces the risk of subsidence or pest-related structural damage compared to suspended timber floors.
Construction Year (1995)
A home built in 1995 is now around 30 years old — mature enough to have settled well, but not so old as to raise major concerns about dated wiring, plumbing, or materials. Homes of this vintage in WA were built under reasonably robust standards and typically don't attract age-related loading the way pre-1970s homes might.
Ducted Climate Control
Ducted air conditioning is a valuable inclusion and contributes to the contents and building sum insured. It's worth ensuring the system is adequately covered under the building policy, as ducted systems are considered a fixed fixture in most policies.
No Pool or Solar Panels
The absence of a swimming pool removes a liability and maintenance risk that some insurers factor into premiums. Similarly, no solar panels means there's no added complexity around inverter cover or roof penetration risks — both of which can influence pricing with some providers.
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Tips for Homeowners in Landsdale
Whether you're reviewing an existing policy or shopping for the first time, these practical steps can help you get better value from your home insurance.
1. Check Your Building Sum Insured Annually
At $810,000, this policy carries a substantial building sum insured — which is appropriate for a 277 sqm double brick home. However, construction costs in Perth have risen sharply in recent years. Make sure your sum insured reflects current rebuild costs, not the original purchase price or an outdated estimate. Underinsurance is one of the most common — and costly — mistakes homeowners make.
2. Review Your Contents Coverage
$50,000 in contents cover is a reasonable starting point, but it's easy to underestimate the cumulative value of furniture, appliances, clothing, and personal items. Walk through each room and take stock — many Australians find their contents are worth significantly more than they initially assumed.
3. Compare Quotes Before Renewal
Insurers often apply automatic premium increases at renewal without any change in your risk profile. The fact that this quote comes in below the suburb median is a good sign, but it's still worth comparing at least two or three alternatives each year. CoverClub makes it easy to compare quotes side by side so you can see exactly what you're getting for your money.
4. Understand Your Excess Settings
This policy carries a $2,000 building excess and $1,000 contents excess. Opting for a higher excess is a common way to reduce your annual premium — but make sure the saving is worth it. If a claim arises, you'll need to cover that excess out of pocket, so strike a balance that suits your financial comfort level.
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Ready to Compare?
Whether this quote is your current policy or a benchmark you're measuring others against, it pays to shop around. Get a home insurance quote through CoverClub to see how multiple insurers price your specific property — and make sure you're not leaving money on the table at renewal time.