If you own a free standing home in Moore Park Beach, QLD 4670, you've probably noticed that home insurance can vary wildly depending on who you ask — and what your property looks like. This article breaks down a real home and contents insurance quote for a three-bedroom, two-bathroom brick veneer home in Moore Park Beach, compares it against suburb, state, and national benchmarks, and offers practical advice to help you get the best value cover.
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Is This Quote Fair?
The quote in question comes in at $2,630 per year (or roughly $256 per month) for combined home and contents insurance, covering a building sum insured of $690,000 and contents valued at $70,000. Both the building and contents excess are set at $1,000.
Based on our pricing data, this quote is rated CHEAP — below average for the area. That's genuinely good news for the homeowner. To put it in perspective:
- The suburb average for Moore Park Beach is $5,765/yr
- The suburb median sits at $3,434/yr
- The 25th percentile (the cheapest quarter of quotes) is $2,710/yr
At $2,630, this quote actually falls below even the 25th percentile for the suburb — meaning it's cheaper than at least 75% of comparable quotes we've seen in the area. That's a strong result by any measure.
Compared to Queensland as a whole, where the average premium is $4,547/yr and the median is $3,931/yr, this quote is sitting well below the state norm. And against national figures — a $2,965/yr average and $2,716/yr median — it still comes in under the typical Australian benchmark.
In short: this is a competitively priced policy.
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How Moore Park Beach Compares
Moore Park Beach is a coastal community in the Bundaberg Region, and like many Queensland coastal suburbs, it tends to attract higher-than-average insurance premiums. The data reflects this clearly.
| Benchmark | Premium |
|---|---|
| This quote | $2,630/yr |
| Moore Park Beach 25th percentile | $2,710/yr |
| Moore Park Beach median | $3,434/yr |
| Moore Park Beach average | $5,765/yr |
| QLD average | $4,547/yr |
| National average | $2,965/yr |
| National median | $2,716/yr |
The gap between the suburb's median ($3,434) and its average ($5,765) is striking — suggesting that a handful of very high quotes are pulling the average up significantly. This is common in coastal Queensland, where some properties carry substantial flood, storm surge, or severe weather risk that can send premiums soaring.
You can explore the full pricing landscape for this postcode on our Moore Park Beach insurance stats page, or compare it against all Queensland suburbs.
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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.
Brick Veneer Walls Brick veneer is generally regarded as a solid, fire-resistant construction type. Insurers tend to view it more favourably than timber weatherboard, which can translate to lower premiums. It also holds up reasonably well in storm conditions.
Steel / Colorbond Roof A Colorbond steel roof is one of the most insurer-friendly roofing materials in Australia. It's durable, resistant to fire and strong winds, and less prone to the kind of storm damage that can affect older tile or fibrous cement roofs. This is a meaningful factor in a coastal Queensland suburb.
Slab Foundation A concrete slab foundation is typically considered low-risk by underwriters — there are no subfloor spaces to flood or rot, and the structure tends to be more stable in varying soil conditions.
Tile Flooring Tiles are durable, water-resistant, and relatively inexpensive to repair or replace compared to hardwood or carpet. This can modestly reduce the contents and building replacement cost estimates.
Solar Panels The property has solar panels, which are worth noting. Many insurers now include solar panels under building cover automatically, but it's worth confirming this with your provider. Some policies treat panels as a separate item, and if they're not specifically listed, you could find yourself underinsured after a storm or hail event.
Swimming Pool The presence of a pool adds a small amount to the building sum insured calculation and may also introduce a liability consideration — though most home and contents policies include legal liability cover as standard. Make sure your policy's liability limits are adequate.
No Cyclone Risk Classification Despite being a coastal Queensland suburb, this property does not fall within a designated cyclone risk zone. This is a significant factor — cyclone-rated properties in Queensland can attract substantially higher premiums, so the absence of this classification helps keep costs down.
Building Size: 139 sqm At 139 square metres, this is a modest-sized home, and the $690,000 building sum insured reflects a cost-per-square-metre of around $4,964 — broadly in line with current construction cost estimates for Queensland. It's always worth reviewing your sum insured annually to ensure it keeps pace with rising building costs.
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Tips for Homeowners in Moore Park Beach
1. Review your sum insured every year Construction costs in Queensland have risen sharply in recent years. A building sum insured that was accurate two years ago may now leave you underinsured. Use a building cost calculator or speak to a quantity surveyor to confirm your figure is still realistic.
2. Check your solar panels are covered Ask your insurer directly whether your solar panel system — including inverters and mounting hardware — is covered under the building section of your policy. If not, you may need to list it separately or take out additional cover.
3. Don't over-insure your contents $70,000 in contents cover is a reasonable starting point for a three-bedroom home, but it's worth doing a proper home inventory to make sure the figure is accurate in both directions. Over-insuring means you're paying more than you need to; under-insuring means a shortfall at claim time.
4. Compare quotes regularly The fact that this quote falls below the suburb's 25th percentile is great — but insurance markets shift. Premiums can change significantly at renewal without a corresponding change in your risk profile. Make a habit of comparing quotes annually to ensure you're still getting competitive value.
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Compare Your Home Insurance Quote
Whether you're a Moore Park Beach local or researching insurance options across Queensland, CoverClub makes it easy to see how your premium stacks up. Our free comparison tool lets you get a home insurance quote in minutes and benchmark it against real data from your suburb, state, and across Australia. Don't just accept your renewal price — find out if you're paying too much.