If you own a free standing home in Leeming, WA 6149, you're sitting in one of Perth's well-established southern suburbs — a leafy, family-friendly area known for its solid brick homes and proximity to parks, schools, and the Freeway corridor. But when it comes to home insurance, how do premiums in Leeming stack up, and is the quote you've been offered actually a good deal?
This article breaks down a real building insurance quote for a 4-bedroom, 2-bathroom free standing home in Leeming, comparing it against local, state, and national benchmarks so you can make a confident, informed decision.
---
Is This Quote Fair?
The quote in question comes in at $840 per year (or about $82/month) for building-only cover on a home insured for $650,000, with a building excess of $2,000. Our price rating for this quote? Cheap — below average.
That's a genuinely strong result. Based on data from 56 quotes collected for Leeming (postcode 6149), the suburb average sits at $1,299/year and the median at $1,279/year. This quote comes in well below even the 25th percentile of $983/year — meaning it's cheaper than at least 75% of comparable quotes in the area.
In practical terms, a homeowner accepting this quote would save roughly $459/year compared to the suburb average, or over $38 per month. Over a five-year period, that's more than $2,200 in savings — not insignificant.
Of course, price alone shouldn't drive your decision. It's worth reviewing what's included in the policy, the insurer's claims reputation, and whether the $650,000 sum insured accurately reflects your home's rebuild cost. But from a pure pricing standpoint, this quote represents excellent value.
---
How Leeming Compares
To put this quote in broader context, let's look at the numbers across different geographic levels:
| Benchmark | Average Premium | Median Premium |
|---|---|---|
| This Quote | $840/yr | — |
| Leeming (6149) | $1,299/yr | $1,279/yr |
| LGA (City of Canning) | $1,923/yr | — |
| Western Australia | $2,144/yr | $1,944/yr |
| Australia (National) | $2,965/yr | $2,716/yr |
The data tells a clear story. Leeming homeowners generally enjoy lower premiums than the broader Western Australian average of $2,144/year, and significantly less than the national average of $2,965/year. This is consistent with Leeming's relatively low natural disaster risk profile — the suburb sits outside cyclone zones, faces minimal flood risk, and doesn't carry the bushfire exposure of Perth's outer fringe suburbs.
Interestingly, Leeming premiums are also considerably lower than the City of Canning LGA average of $1,923/year, suggesting the specific characteristics of homes in this postcode — particularly the prevalence of double brick construction — are working in homeowners' favour.
For a deeper look at local pricing trends, visit the Leeming suburb insurance stats page.
---
Property Features That Affect Your Premium
Several characteristics of this particular home are likely contributing to its competitive premium. Here's how each factor plays a role:
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 resistance to fire, and performs well in high-wind events. Insurers typically reward this with lower premiums compared to timber-framed or clad homes.
Tiled Roof
Terracotta or concrete tile roofs are considered durable and low-risk by most insurers. While they can be more expensive to repair than Colorbond in some cases, they have a long lifespan and perform reliably in Perth's climate.
Slab Foundation
A concrete slab foundation is a stable, low-maintenance base that doesn't carry the subsidence or termite-entry risks sometimes associated with older pier-and-beam styles. This generally has a neutral-to-positive effect on premiums.
Age of Construction (1985)
At around 40 years old, this home sits in a middle ground. It's old enough that some insurers may apply age loadings to account for ageing plumbing or electrical systems, but it's also well past the era of substandard materials. Regular maintenance is key to keeping premiums in check.
Swimming Pool
A pool adds value to the property but also introduces some liability and replacement cost considerations. Most building policies cover the pool structure as part of the sum insured, but it's worth confirming this with your insurer — particularly for the pool equipment and fencing.
Ducted Climate Control
Ducted air conditioning systems can be costly to repair or replace, and they contribute to the overall rebuild cost of the home. Ensuring your sum insured of $650,000 accounts for this system is important to avoid being underinsured.
No Cyclone Risk
Leeming falls outside Western Australia's cyclone-affected zones (which generally begin north of the 26th parallel). This is a meaningful premium advantage compared to properties in Broome, Karratha, or the Pilbara, where cyclone loadings can dramatically inflate insurance costs.
---
Tips for Homeowners in Leeming
1. Check Your Sum Insured Annually
Building costs in Perth have risen significantly over the past few years due to labour shortages and material price increases. A sum insured of $650,000 may have been accurate when the policy was first taken out, but it's worth reassessing each year. Underinsurance is one of the most common and costly mistakes homeowners make.
2. Consider a Combined Building & Contents Policy
This quote covers building only. If you also need contents cover, bundling both under a single policy with one insurer can sometimes attract a discount — and simplifies the claims process considerably.
3. Review Your Excess Settings
The building excess on this policy is $2,000. Opting for a higher voluntary excess is one of the most effective ways to reduce your annual premium, particularly if you have a solid emergency fund and are unlikely to make small claims. Conversely, if cash flow is tight, a lower excess may be worth the slightly higher premium.
4. Don't Set and Forget
Even a well-priced policy can be beaten at renewal time. Insurers often quietly increase premiums year-on-year, particularly after claims in a region. Set a reminder to compare quotes each year before your renewal date — it takes minutes and can save hundreds.
---
Compare Your Own Quote
Whether you've just received a renewal notice or you're insuring a Leeming home for the first time, it pays to see what the broader market is offering. CoverClub makes it easy to compare building and contents insurance quotes side by side, with transparent pricing data drawn from real Australian homeowners.
Get a home insurance quote today at CoverClub and find out whether you're paying a fair price — or leaving money on the table.