If you own a free standing home in Marmion, WA 6020, you're likely curious about whether you're paying a fair price for your home insurance. Marmion is a well-regarded coastal suburb in the City of Joondalup, known for its proximity to the Indian Ocean, leafy streets, and solid family homes. In this article, we break down a real home and contents insurance quote for a four-bedroom property in the area, compare it against local, state, and national benchmarks, and offer practical tips to help you get the best value cover.
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Is This Quote Fair?
The quote in question comes in at $1,594 per year (or $153/month) for combined home and contents insurance, covering a building sum insured of $699,000 and contents valued at $50,000. Both the building and contents excess are set at $2,000.
Our price rating for this quote is FAIR — Around Average.
To put that in context: the median home insurance premium in Marmion currently sits at $1,464/yr, meaning this quote is only modestly above the midpoint for the suburb. It's comfortably below the suburb average of $2,308/yr, which can be skewed upward by higher-risk or higher-value properties in the sample.
For a property of this size — 244 sqm, built in 1985, with a $699,000 building sum insured and solar panels installed — a "Fair" rating is a reasonable outcome. It's not the cheapest available, but it's well within the normal range and far from the upper end of what Marmion homeowners pay.
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How Marmion Compares
Understanding where your premium sits relative to other benchmarks is one of the most useful tools for evaluating insurance value. Here's how this quote stacks up:
| Benchmark | Premium |
|---|---|
| This Quote | $1,594/yr |
| Marmion Suburb Median | $1,464/yr |
| Marmion Suburb Average | $2,308/yr |
| Marmion 25th Percentile | $995/yr |
| Marmion 75th Percentile | $2,617/yr |
| LGA (Joondalup) Average | $2,112/yr |
| WA State Average | $2,811/yr |
| WA State Median | $2,127/yr |
| National Average | $5,347/yr |
| National Median | $2,764/yr |
This quote sits between the suburb median and suburb average, which is exactly what "Around Average" means in practice. Notably, it is significantly below both the WA state average ($2,811/yr) and the national average ($5,347/yr) — the latter being heavily influenced by high-risk regions such as North Queensland and parts of northern WA that are prone to cyclones and flooding.
You can explore the full breakdown of premiums for Marmion at the Marmion suburb stats page, compare it against other Western Australian suburbs on the WA state stats page, or see how it measures up nationally on the national stats page.
One encouraging note: Marmion is not classified as a cyclone risk area, which keeps premiums considerably lower than comparable properties in northern WA. This is a meaningful factor in why local premiums are well below the state average.
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Property Features That Affect Your Premium
Several characteristics of this property directly influence the insurance premium — some favourably, others less so.
Double Brick Construction Double brick is regarded by insurers as one of the most resilient wall types available in Australia. It offers strong resistance to fire, wind, and impact, which typically translates to lower rebuild risk and, in turn, more competitive premiums. For a 1985-era Perth home, double brick is a very common and well-regarded construction type.
Tiled Roof Terracotta or concrete tile roofs are generally viewed positively by insurers due to their durability and fire resistance. They do carry some risk of cracking or displacement in severe weather, but overall they represent a solid, low-maintenance roofing choice that doesn't attract premium loading.
Slab Foundation A concrete slab foundation is standard for Western Australian homes of this era and is considered low-risk by most insurers. It reduces concerns around subsidence or underfloor moisture damage that can affect homes with raised foundations.
Solar Panels The presence of solar panels adds modest complexity to a home insurance policy. Panels installed on the roof are typically covered under the building sum insured, but it's worth confirming with your insurer that your $699,000 building sum includes the replacement value of the system. Some policies treat solar panels as a separate item or apply specific sub-limits.
Ducted Climate Control Ducted air conditioning systems are a significant fixed asset and are generally included in the building sum insured. Given the Perth climate, these systems are common and well-understood by local insurers, but their replacement cost should be factored into your building valuation.
No Pool The absence of a swimming pool removes one potential source of liability and maintenance-related claims. Pools can add to premiums in some policies, so this works slightly in favour of keeping costs down.
Building Size: 244 sqm At 244 sqm, this is a mid-to-large family home. Building size is a key driver of rebuild cost, and the $699,000 sum insured reflects that. It's worth periodically reviewing this figure — construction costs in Perth have risen sharply in recent years, and underinsurance remains a real risk for homeowners who haven't updated their sum insured.
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Tips for Homeowners in Marmion
1. Review Your Building Sum Insured Regularly Construction costs across Perth and WA have increased substantially since 2020. If your building sum insured hasn't been updated recently, there's a genuine risk you could be underinsured. Use a building replacement cost calculator or speak to a quantity surveyor to ensure your $699,000 (or whatever figure you hold) reflects today's rebuild costs — not what it cost five years ago.
2. Confirm Solar Panel Coverage With solar panels on the roof, double-check your policy's product disclosure statement (PDS) to confirm the panels are covered under your building section and that there's no sub-limit that could leave you short in the event of storm damage or a rooftop fire. Some insurers require panels to be listed separately.
3. Compare Quotes Before Renewal Even a "Fair" rated quote has room for improvement. Insurers reprice their books regularly, and the market can shift meaningfully from year to year. Running a comparison at renewal time — rather than simply accepting the renewal offer — is one of the easiest ways to save money without changing your cover.
4. Consider Your Excess Level This quote carries a $2,000 excess on both building and contents. A higher excess generally reduces your annual premium, while a lower excess increases it. Think about what you could comfortably absorb out of pocket in the event of a claim, and adjust accordingly. For many homeowners, a slightly higher excess in exchange for a lower premium makes good financial sense.
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Compare Your Home Insurance Today
Whether you're reviewing an existing policy or shopping for the first time, comparing quotes is the single most effective way to ensure you're getting fair value. At CoverClub, we make it easy to see how your premium stacks up and find competitive options for your home in Marmion.
Get a home insurance quote now and see what you could be paying — it only takes a few minutes.