Leeming is a well-established residential suburb in Perth's southern corridor, known for its leafy streets, solid family homes, and proximity to parks and quality schools. If you own a free standing home here — particularly one built in the 1980s with double brick construction — understanding how your building insurance premium stacks up against the market is a smart financial move. This article breaks down a real building-only insurance quote for a 4-bedroom, 2-bathroom home in Leeming (postcode 6149) and puts the numbers into context.
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Is This Quote Fair?
The quote in question comes in at $1,663 per year (or roughly $166/month) for building-only cover on a 214 sqm free standing home, with a $600,000 sum insured and a $1,000 excess. Our pricing analysis rates this as FAIR — Around Average.
That "fair" rating isn't a red flag, but it does suggest there's room to explore. The quote sits comfortably within the typical range for the suburb, landing above the median but well below the 75th percentile. In practical terms, you're not overpaying dramatically, but you're also not getting the sharpest deal available in the market.
For homeowners who haven't reviewed their policy in a year or two, a "fair" rating is often a signal worth acting on. Insurers don't always reward loyalty, and a quick comparison exercise can sometimes uncover savings of $200–$400 or more annually — without sacrificing coverage quality.
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How Leeming Compares
One of the most useful ways to evaluate any insurance quote is to benchmark it against what others in the same area are paying. Here's how this quote measures up across different geographic levels:
| Benchmark | Premium |
|---|---|
| This Quote | $1,663/yr |
| Leeming Suburb Average | $1,457/yr |
| Leeming Suburb Median | $1,423/yr |
| Leeming 25th Percentile | $1,052/yr |
| Leeming 75th Percentile | $1,927/yr |
| WA State Average | $2,811/yr |
| WA State Median | $2,127/yr |
| National Average | $5,347/yr |
| National Median | $2,764/yr |
| LGA (Canning) Average | $1,699/yr |
(Based on 51 quotes collected for the Leeming suburb area.)
A few things stand out here. First, Leeming homeowners are paying significantly less than the Western Australian state average and a fraction of the national average — a reflection of the suburb's relatively low-risk profile. There's no cyclone exposure, the area isn't prone to the kind of extreme weather events that drive premiums sky-high in parts of Queensland or northern WA, and the local housing stock tends to be well-built and well-maintained.
Second, this particular quote is about $206 above the suburb average and $240 above the median. That gap is largely explained by property-specific factors — more on those below. It's worth noting, however, that at $1,663/yr, this premium still sits well below the LGA (City of Canning) average of $1,699/yr, which is a reassuring sign.
You can explore the full pricing data for Leeming at the Leeming suburb insurance stats page, or broaden your view with WA state insurance statistics and national home insurance benchmarks.
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Property Features That Affect Your Premium
Every home is different, and insurers price risk based on a detailed picture of your property. Here's how the key features of this Leeming home influence the premium:
Double Brick Construction Double brick is widely regarded as one of the most resilient building materials for Australian homes. It offers excellent resistance to fire, wind, and general wear. Insurers typically view double brick favourably, and it's one of the reasons Leeming homes often attract more competitive premiums than comparable properties built with timber or lightweight cladding.
Tiled Roof Terracotta or concrete tile roofs are durable and fire-resistant, which is a positive from an underwriting perspective. They do carry some risk of cracking or displacement in severe storms, but overall they're considered a low-to-moderate risk roofing material in Perth's climate.
Slab Foundation A concrete slab foundation is standard for homes of this era in Perth and is generally considered stable and low-risk — particularly in areas without significant soil movement or flood exposure.
Construction Year: 1985 Homes built in the mid-1980s are now approaching 40 years old. While double brick construction ages well, older homes can attract slightly higher premiums due to the potential for ageing plumbing, electrical systems, or roofing components. Keeping up with maintenance and having records of any upgrades can help when it comes to renewal negotiations.
Swimming Pool The presence of a pool adds a modest layer of liability and replacement cost to the insurer's calculation. Pool equipment, surrounds, and fencing all contribute to the overall rebuild cost, and this is likely one factor pushing the premium slightly above the suburb median.
Ducted Climate Control Ducted air conditioning is a significant fixed asset and adds to the insured value of the building. It's correctly factored into the $600,000 sum insured and will influence the premium accordingly.
Sum Insured: $600,000 For a 214 sqm double brick home in Leeming with a pool and ducted climate control, a $600,000 sum insured is a reasonable and defensible figure. Underinsurance is a genuine risk in Australia — many homeowners set their sum insured based on market value rather than rebuild cost, which can leave them significantly out of pocket after a major event.
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Tips for Homeowners in Leeming
1. Compare at Renewal, Every Year The insurance market shifts constantly. Even if your circumstances haven't changed, the competitive landscape may have. Running a fresh comparison at renewal time takes minutes and can save hundreds. Get a building insurance quote for your Leeming home here.
2. Review Your Sum Insured Regularly Construction costs in Perth have risen sharply over the past few years. If your sum insured hasn't been reviewed recently, there's a real chance it no longer reflects the true cost of rebuilding. Consider using a building cost calculator or speaking with a quantity surveyor to validate your figure.
3. Ask About Bundling Discounts If you have contents, car, or landlord insurance, many insurers offer multi-policy discounts. Even if you're only seeking building cover right now, it's worth asking whether bundling could reduce your overall insurance spend.
4. Maintain Your Property Proactively Insurers reward well-maintained homes. Keeping your roof in good condition, ensuring pool fencing meets current Australian standards, and servicing your ducted air conditioning system regularly can all help you avoid claim complications — and may support a better premium at renewal.
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Ready to Compare?
Whether you're renewing your current policy or shopping for the first time, comparing quotes is the single most effective way to ensure you're getting fair value. CoverClub makes it easy to benchmark your premium against real data from your suburb and state. Start your free home insurance comparison at CoverClub and see how your quote stacks up.