If you own a free standing home in Maddington, WA 6109, you've probably noticed that home insurance premiums can vary wildly depending on who you ask. This article breaks down a real home and contents insurance quote for a four-bedroom, double brick property in the suburb, compares it against local, state, and national benchmarks, and offers practical advice to help you get better value on your cover.
---
Is This Quote Fair?
The quote in question comes in at $3,673 per year (or $352 per month) for combined home and contents cover, with a building sum insured of $621,000 and contents valued at $150,000. Both the building and contents excess sit at $1,000.
Our price rating for this quote is Expensive — above average for the Maddington area.
To put that in perspective: the suburb average premium for comparable properties in postcode 6109 sits at just $1,209 per year, with a median of $1,254. Even at the 75th percentile — meaning 75% of quotes are cheaper — Maddington homeowners are typically paying around $1,576 per year. This quote lands well above that threshold.
So what's driving the higher price? A few factors are likely at play. The relatively high building sum insured of $621,000 for a 214 sqm home built in 2002 is a significant contributor. Insurers calculate premiums partly based on the cost to rebuild your home from scratch, and a higher sum insured naturally pushes the premium up. The inclusion of contents cover worth $150,000 also adds meaningfully to the total cost. It's worth reviewing whether both figures accurately reflect your actual rebuild cost and possessions — over-insuring is a common and costly mistake.
---
How Maddington Compares
Understanding where your premium sits relative to broader benchmarks gives you real negotiating power. Here's how this quote stacks up:
| Benchmark | Premium |
|---|---|
| This Quote | $3,673/yr |
| Maddington (6109) Suburb Average | $1,209/yr |
| Maddington (6109) Suburb Median | $1,254/yr |
| LGA Gosnells Average | $1,427/yr |
| WA State Average | $2,811/yr |
| WA State Median | $2,127/yr |
| National Average | $5,347/yr |
| National Median | $2,764/yr |
The quote is 3× the suburb average and notably higher than both the WA state average of $2,811 and the national median of $2,764. That said, it does sit below the national average of $5,347 — a figure skewed upward by high-risk areas such as North Queensland cyclone zones and flood-prone regions in NSW.
For Maddington specifically, suburb-level data drawn from 32 quotes shows that most homeowners in the area are securing cover for considerably less. The LGA of Gosnells average of $1,427 reinforces that this suburb is generally an affordable area to insure — which makes this particular quote stand out even more.
The takeaway? This quote is not unheard of given the high sum insured and contents value, but there is almost certainly room to find more competitive pricing by shopping around.
---
Property Features That Affect Your Premium
Several characteristics of this property influence how insurers price the risk:
Double brick construction is generally viewed favourably by insurers. It's durable, fire-resistant, and less susceptible to storm damage than timber or clad alternatives. This should, in theory, work in the homeowner's favour when it comes to pricing.
Tiled roof is similarly well-regarded — concrete and terracotta tiles are considered robust and long-lasting, and are less prone to storm or hail damage compared to older corrugated iron roofing.
Slab foundation is standard for homes of this era in Perth's southern suburbs and presents no unusual risk factors for insurers.
Solar panels are worth flagging. While they add value to the property, they also represent an additional asset that needs to be covered. Some insurers include solar panels under the building sum insured automatically, while others may require a separate endorsement. It's important to confirm with your insurer that your panels are fully covered.
Ducted climate control is another higher-value fixture that can influence the building sum insured and, by extension, the premium. Ensuring your sum insured accounts for the replacement cost of this system is important — but equally, make sure you're not inflating the figure unnecessarily.
No pool and no cyclone risk are both positive factors. Pools introduce liability and maintenance-related claims, and the absence of cyclone risk (unlike properties in WA's north-west) keeps the risk profile relatively low for this Maddington home.
---
Tips for Homeowners in Maddington
1. Review your sum insured carefully A building sum insured of $621,000 for a 214 sqm home built in 2002 may be higher than the actual rebuild cost. Use an independent building cost calculator or consult a quantity surveyor to ensure your figure is accurate. Over-insuring means you're paying more in premiums than necessary — and insurers won't pay out more than the actual rebuild cost anyway.
2. Shop around — seriously With a suburb average of $1,209 and this quote sitting at $3,673, the gap is significant. Use a comparison platform like CoverClub to obtain multiple quotes side by side. Premiums for the same property can vary enormously between insurers, and loyalty doesn't always pay.
3. Consider a higher excess to lower your premium Both the building and contents excess on this policy are set at $1,000. Increasing your excess — say, to $2,000 — can meaningfully reduce your annual premium. Just make sure the excess remains an amount you could comfortably pay in the event of a claim.
4. Bundle strategically, but verify the savings Many insurers offer discounts for bundling home and contents cover under a single policy. This quote already does that, which is good. However, it's still worth getting separate quotes for building-only and contents-only cover to verify that the bundled price is actually the better deal.
---
Ready to Find a Better Rate?
Whether you're renewing your policy or shopping for the first time, comparing quotes is the single most effective way to reduce your home insurance costs. At CoverClub, we make it easy to see how your premium stacks up and find more competitive options in minutes. Get a quote today and see what Maddington homeowners are actually paying for their cover.