Martin is a quiet, established suburb in Perth's south-eastern corridor, sitting within the City of Gosnells. It's home to a mix of larger family properties — including many solid double brick homes built from the late 1990s through the 2000s. If you own a five-bedroom free standing home here and you're wondering whether your home and contents insurance quote stacks up, you're in the right place.
This article breaks down a real quote of $3,579 per year (or $343/month) for a five-bedroom, two-bathroom home in Martin, WA 6110 — covering a building sum insured of $780,000 and contents valued at $231,000 — and puts it in context against suburb, state, and national benchmarks.
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Is This Quote Fair?
The short answer: this quote is rated Expensive — sitting above average for the Martin area.
At $3,579 per year, this premium lands above the suburb's 75th percentile of $3,200/yr, meaning it's pricier than at least three-quarters of comparable quotes gathered in the area. The suburb average sits at $2,847/yr and the median at $2,419/yr, so this quote comes in roughly 26% above the local average and nearly 48% above the median.
That said, "expensive" doesn't automatically mean "wrong." A few factors can legitimately push a premium higher — including a generous sum insured, high contents value, and specific property features like a swimming pool. We'll dig into those below.
What this rating does tell you is that it's worth shopping around. There may be comparable cover available at a more competitive price point, and CoverClub makes it easy to compare quotes for your home in minutes.
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How Martin Compares
Understanding where your suburb sits relative to broader benchmarks is a useful way to gauge whether you're being charged a location premium or simply reflecting the value of your property.
Here's how Martin WA 6110 stacks up:
| Benchmark | Annual Premium |
|---|---|
| This Quote | $3,579 |
| Suburb Average (Martin) | $2,847 |
| Suburb Median (Martin) | $2,419 |
| Suburb 25th Percentile | $2,206 |
| Suburb 75th Percentile | $3,200 |
| WA State Average | $2,811 |
| WA State Median | $2,127 |
| National Average | $5,347 |
| National Median | $2,764 |
| LGA Average (Gosnells) | $1,427 |
A few things stand out here. First, the WA state average of $2,811/yr is broadly in line with the Martin suburb average, suggesting the suburb isn't carrying a significant geographic risk loading compared to the rest of the state. Second, the national average of $5,347/yr is considerably higher — largely driven up by high-risk regions in Queensland and Northern Australia — which puts Martin in a relatively favourable position nationally.
Interestingly, the LGA average for Gosnells is just $1,427/yr, which is notably lower than the Martin suburb average. This likely reflects a wider range of property types and values across the broader LGA, including smaller or lower-value homes that bring the average down.
You can explore more localised data on the Martin WA 6110 suburb stats page.
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Property Features That Affect Your Premium
Every home is different, and insurers price risk based on the specific characteristics of your property. Here's how the features of this home in Martin likely influence the premium:
Double Brick Construction Double brick is generally viewed favourably by insurers — it's durable, fire-resistant, and holds up well structurally. This construction type is common across Perth's southern suburbs and typically attracts more competitive premiums compared to timber or clad homes.
Steel/Colorbond Roof Colorbond roofing is another tick in the right column. It's lightweight, resistant to corrosion, and performs well in storms. Insurers often rate this roof type positively, especially compared to older terracotta tiles that can crack or dislodge.
Slab Foundation A concrete slab foundation is standard for homes of this era in WA and doesn't typically attract any premium loading. It's considered low-risk from a structural movement perspective in most Perth metro areas.
Swimming Pool A pool adds value to the property but also introduces liability considerations. Most insurers factor in pool ownership when calculating premiums, as it increases the potential for personal liability claims and can contribute to higher contents or legal liability cover requirements.
Ducted Climate Control Ducted air conditioning is a significant fixed asset within the home. Its inclusion in the building sum insured — or contents, depending on the policy — can add to the overall insured value and nudge premiums upward.
Building Size & Sum Insured At 214 sqm and a building sum insured of $780,000, this is a substantial property. A higher sum insured directly increases the premium, as the insurer's maximum payout exposure is greater. It's worth periodically reviewing whether your sum insured accurately reflects current rebuild costs — neither over- nor under-insuring.
Contents Value $231,000 in contents cover is on the higher end for a residential property. This reflects a well-furnished five-bedroom home, but it's worth itemising your belongings to make sure this figure is accurate and not inflated.
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Tips for Homeowners in Martin
1. Review Your Sum Insured Regularly Building costs in Perth have risen significantly in recent years. Make sure your $780,000 building sum insured reflects current construction costs per square metre — not what it would have cost to rebuild five years ago. Underinsurance is a real risk, but so is over-insuring and paying unnecessary premiums.
2. Bundle Building and Contents (Which You're Already Doing) Combining home and contents insurance under a single policy — as this quote does — typically attracts a discount compared to holding two separate policies. If you're ever tempted to split them, weigh up the cost difference carefully.
3. Consider a Higher Excess to Reduce Premiums Both the building and contents excess on this policy are set at $500. Increasing your excess to $1,000 or more can meaningfully reduce your annual premium. Just make sure you can comfortably cover that amount out of pocket if you need to make a claim.
4. Compare at Renewal Time Insurance premiums can shift significantly year to year, and loyalty doesn't always pay. Before your policy renews, take 10 minutes to get a fresh quote through CoverClub and see whether better value is available for your level of cover.
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Find Better Value on Your Home Insurance
Whether you're a long-term Martin local or new to the suburb, it pays to make sure your home insurance is working as hard as you are. This quote, while comprehensive, is priced above the local average — and that's a signal worth acting on.
CoverClub helps Australian homeowners compare home and contents insurance quotes quickly and easily. Enter your address, tell us about your property, and see how your current premium stacks up. Start comparing today at CoverClub — it takes just a few minutes and could save you hundreds each year.