Marmion is a sought-after coastal suburb in Perth's northern corridor, sitting within the City of Joondalup just minutes from the Indian Ocean. It's the kind of suburb where well-established homes — many built during the 1980s brick-and-tile boom — line quiet streets close to Marmion Marine Park. If you own a free standing home here, understanding what you should be paying for home and contents insurance is well worth your time. This article breaks down a real quote for a four-bedroom, two-bathroom property in Marmion and puts it into context with suburb, state, and national data.
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Is This Quote Fair?
The quote in question comes to $1,344 per year (or $133/month) for combined home and contents cover, with a building sum insured of $437,000 and contents valued at $50,000. Both the building and contents excess are set at $1,000.
Our price rating for this quote is Fair — Around Average, and the data backs that up.
At $1,344/yr, this premium sits comfortably below the Marmion suburb average of $2,308/yr and also comes in under the suburb median of $1,464/yr. In fact, it falls between the 25th percentile ($995/yr) and the median — meaning it's in the lower half of quotes seen for this area. That's a solid result for the homeowner.
Compared to the broader Western Australia average of $2,811/yr and the national average of $5,347/yr, this premium looks even more attractive. While national figures can be skewed upward by high-risk regions (think cyclone-prone Queensland or flood-affected parts of NSW), the WA comparison is particularly relevant — and this quote beats it by a significant margin.
The "Fair" rating reflects that while the premium is below average, there may still be room to do better. The 25th percentile in Marmion sits at $995/yr, which means roughly one in four quotes in this suburb come in cheaper. It's always worth shopping around.
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How Marmion Compares
Here's a snapshot of how premiums stack up across different benchmarks:
| Benchmark | Annual Premium |
|---|---|
| This Quote | $1,344 |
| Marmion 25th Percentile | $995 |
| Marmion Median | $1,464 |
| Marmion Average | $2,308 |
| Marmion 75th Percentile | $2,617 |
| LGA (Joondalup) Average | $2,112 |
| WA State Average | $2,811 |
| WA State Median | $2,127 |
| National Average | $5,347 |
| National Median | $2,764 |
(Based on a sample of 30 quotes in the Marmion area. [View full suburb stats](https://coverclub.com.au/stats/WA/6020/marmion).)
A few things stand out here. First, the gap between the Marmion average ($2,308) and median ($1,464) suggests that a handful of higher-priced quotes are pulling the average up — which is common in smaller sample sets. The median is often the more reliable benchmark for a "typical" premium.
Second, Marmion sits well below both the WA state average and the national average. This is partly because Marmion is not classified as a cyclone risk area — a factor that dramatically inflates premiums in northern WA and other tropical regions. Perth's relatively benign weather risk profile keeps premiums more manageable across the board.
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Property Features That Affect Your Premium
Several characteristics of this particular property work in the homeowner's favour from an insurance pricing perspective.
Double Brick Construction Double brick is widely regarded by insurers as one of the most resilient wall types for Australian conditions. It offers excellent fire resistance, structural integrity, and durability — all of which reduce the likelihood and cost of a claim. Homes built with double brick typically attract lower premiums than those with timber or lightweight cladding.
Tiled Roof Terracotta or concrete tiles are a durable roofing choice that holds up well against wind and hail. While tiles can crack under extreme impact, they're generally viewed favourably by insurers compared to older materials like fibrous cement or corrugated iron in poor condition.
Slab Foundation A concrete slab foundation is low-maintenance and resistant to the kind of subsidence or pest-related issues that can affect older stumped foundations. This reduces the risk of structural claims.
Construction Year: 1985 At around 40 years old, this home is well past its initial build phase but not yet considered aged or high-risk. Homes from this era in WA were typically built to solid standards, and double brick construction from the 1980s has generally aged well.
Solar Panels The presence of solar panels adds a modest layer of complexity to a home insurance policy. Panels themselves represent an asset that needs to be covered, and insurers may factor in the cost of replacement if damaged. It's worth confirming with your insurer that your solar system is explicitly included in your building sum insured.
Ducted Climate Control Ducted air conditioning is a significant fixed asset and should be accounted for in your building sum insured. At 244 sqm, this is a well-sized home, and the cost to replace ducted systems in the event of a total loss can be substantial.
No Pool The absence of a swimming pool removes one common source of liability and maintenance-related claims, which can be a minor positive for premium pricing.
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Tips for Homeowners in Marmion
1. Review Your Building Sum Insured Regularly Construction costs in Perth have risen considerably in recent years. A sum insured of $437,000 for a 244 sqm double brick home is worth checking against current rebuild cost estimates — not the market value of the property, but the actual cost to demolish and reconstruct it from scratch, including professional fees and debris removal. Underinsurance is one of the most common and costly mistakes homeowners make.
2. Confirm Solar Panel Coverage Solar panels are often a grey area in home insurance policies. Some insurers include them automatically as part of the building; others require them to be specifically listed or may exclude certain types of damage. Check your Product Disclosure Statement carefully and ask your insurer directly.
3. Shop Around at Renewal Time With a 25th percentile of $995/yr in Marmion, there's evidence that cheaper quotes exist in this suburb. Insurers don't reward loyalty — premiums can creep up at renewal even when your risk profile hasn't changed. Using a comparison tool like CoverClub at renewal time takes only a few minutes and could save you hundreds of dollars annually.
4. Consider Your Excess Carefully This policy carries a $1,000 excess on both building and contents. Opting for a higher excess (say, $2,000) can reduce your annual premium, but only makes sense if you're confident you could comfortably cover that amount out of pocket in the event of a claim. Conversely, a lower excess might suit homeowners who prefer predictability.
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Compare Your Home Insurance with CoverClub
Whether you're reviewing an existing policy or shopping for cover on a new property, CoverClub makes it easy to see how your premium stacks up. Enter your address at coverclub.com.au to get an instant quote comparison and find out if you're paying a fair price — or if there's a better deal waiting for you.