Nestled along the Mid West coast of Western Australia, Port Denison is a relaxed coastal town that attracts families and sea-changers alike. If you own a free standing home here, understanding what you should be paying for home and contents insurance — and why — can make a real difference to your household budget. This article breaks down a recent quote for a four-bedroom, double brick home in Port Denison (postcode 6525) and puts the numbers in context.
---
Is This Quote Fair?
The quote in question comes in at $2,761 per year (or $265/month) for combined home and contents cover, with a $679,000 building sum insured and $50,000 in contents cover. Both the building and contents excess are set at $500.
Our price rating for this quote is FAIR — Around Average. That assessment reflects where the premium sits relative to what other homeowners in the area are paying. It's not the cheapest quote on the market, but it's also well within the range of what's considered normal for this type of property in this location.
To put it plainly: you're not being overcharged, but there's likely room to find a more competitive rate if you shop around.
---
How Port Denison Compares
One of the most useful ways to evaluate any insurance quote is to benchmark it against local, state, and national data. Here's how this quote stacks up:
| Benchmark | Premium |
|---|---|
| This quote | $2,761/yr |
| Port Denison suburb average | $2,094/yr |
| Port Denison suburb median | $2,020/yr |
| Port Denison 25th percentile | $1,092/yr |
| Port Denison 75th percentile | $3,039/yr |
| LGA (Irwin) average | $2,084/yr |
| WA state average | $2,811/yr |
| WA state median | $2,127/yr |
| National average | $5,347/yr |
| National median | $2,764/yr |
A few things stand out here. First, this quote sits above the Port Denison suburb average of $2,094/yr and above the local government area (Irwin) average of $2,084/yr — but it falls below the WA state average of $2,811/yr. It also comes in just under the national median of $2,764/yr, which is a reassuring sign.
The suburb data is based on a sample of 13 quotes, so while it's a useful guide, the spread is notable — from $1,092/yr at the 25th percentile up to $3,039/yr at the 75th. This quote sits between the median and the 75th percentile, suggesting the property's specific characteristics (size, build quality, sum insured) are pushing the premium modestly above the local norm.
Compared to the national average of $5,347/yr, Port Denison homeowners are in a relatively favourable position — a reflection of WA's generally lower catastrophe risk profile compared to states like Queensland and New South Wales.
Explore more data for your area at the Port Denison suburb stats page, or check out WA state insurance statistics and national home insurance benchmarks for broader context.
---
Property Features That Affect Your Premium
Insurance pricing isn't arbitrary — every feature of a home feeds into the risk calculation. Here's how the key characteristics of this property influence what you pay:
Double Brick Construction
Double brick is one of the most favoured wall types among Australian insurers. It's durable, fire-resistant, and less susceptible to wind damage than timber-framed alternatives. This generally works in favour of the homeowner when it comes to premiums.
Steel / Colorbond Roof
Colorbond roofing is another tick in the right column. It's lightweight, corrosion-resistant, and performs well in harsh coastal conditions — all of which reduce the likelihood of weather-related claims. Insurers tend to view it more favourably than older roofing materials like terracotta tiles or fibrous cement.
Slab Foundation
A concrete slab foundation is standard in WA and is considered a low-risk construction type. It reduces the risk of subsidence-related claims and is well-suited to the local soil conditions.
Timber / Laminate Flooring
While timber and laminate flooring can be more susceptible to water damage than tiles, this is generally a minor factor in overall premium calculations. It's worth noting for contents coverage purposes — replacement costs for quality timber flooring can add up quickly.
Size and Age
At 214 sqm and built in 2008, this is a relatively modern, mid-sized home. Newer builds typically benefit from more current construction standards, which can positively influence pricing. The $679,000 building sum insured is substantial and reflects the cost to fully rebuild a home of this size and quality in today's market.
Ducted Climate Control
Ducted air conditioning systems are a fixed asset that adds to the insured value of the building. It's a feature that can incrementally lift your premium, but it's also one that must be adequately covered to avoid being underinsured.
No Pool or Solar Panels
The absence of a pool removes a meaningful liability risk from the equation. Similarly, no solar panels means there's no need to factor in the replacement cost of rooftop systems — both of which can add to premiums when present.
---
Tips for Homeowners in Port Denison
Whether you're reviewing your current policy or shopping for the first time, here are some practical steps to make sure you're getting the best value:
- Don't set and forget your sum insured. Building costs in regional WA have risen significantly in recent years. Make sure your $679,000 building sum insured still reflects the actual cost of rebuilding your home — not just its market value. Underinsurance is one of the most common and costly mistakes homeowners make.
- Compare multiple quotes annually. Insurance markets shift, and loyalty doesn't always pay. Given the spread in Port Denison quotes — from $1,092 to $3,039/yr — there's clearly a wide range of pricing for similar properties. Running a fresh comparison each year is one of the simplest ways to avoid overpaying.
- Review your contents sum insured. A $50,000 contents figure may be adequate for some households, but it's worth doing a room-by-room assessment to ensure it covers everything from whitegoods and electronics to furniture and clothing. Many homeowners significantly underestimate their contents value.
- Consider your excess carefully. A $500 excess on both building and contents is fairly standard. If you're comfortable absorbing a higher out-of-pocket cost in the event of a claim, increasing your excess is one of the most effective ways to reduce your annual premium.
---
Ready to Compare?
Whether this quote represents good value for your situation depends on your specific needs, risk tolerance, and what's included in the policy. The best way to know for certain is to compare it against alternatives.
Get a home insurance quote at CoverClub and see how different insurers price your property in Port Denison. It takes just a few minutes and could save you hundreds of dollars a year.