Port Kennedy is a well-established coastal suburb in the City of Rockingham, about 50 kilometres south of Perth's CBD. With its proximity to the beach, good schools, and a mix of family homes, it's a popular choice for Western Australian homeowners. This article breaks down a real home and contents insurance quote for a four-bedroom, two-bathroom free-standing home in Port Kennedy — and puts the numbers in context so you can judge whether you're paying a fair price.
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Is This Quote Fair?
The annual premium on this quote comes in at $1,370 per year (or $131 per month), covering both building and contents. The building is insured for $523,000 and contents for $50,000, with a $5,000 excess applying to both.
CoverClub's pricing engine has rated this quote as FAIR — Around Average, and the data backs that up. The suburb median premium for Port Kennedy sits at $1,364 per year, meaning this quote is almost exactly in line with what most local homeowners are paying. It falls comfortably within the middle range of the market — above the 25th percentile of $1,076 and well below the 75th percentile of $2,224.
In other words, this homeowner isn't getting a bargain-basement deal, but they're also not being overcharged. For a double brick home with solar panels and ducted climate control, a premium close to the suburb median is a reasonable outcome.
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How Port Kennedy Compares
To really appreciate this quote, it helps to zoom out and look at the broader picture.
| Benchmark | Premium |
|---|---|
| This quote | $1,370/yr |
| Port Kennedy suburb average | $1,616/yr |
| Port Kennedy suburb median | $1,364/yr |
| LGA (Rockingham) average | $1,561/yr |
| WA state average | $2,811/yr |
| WA state median | $2,127/yr |
| National average | $5,347/yr |
| National median | $2,764/yr |
The contrast between Port Kennedy and the rest of the country is striking. This quote is 51% below the WA state average and a remarkable 74% below the national average. Even compared to the broader Rockingham LGA average of $1,561, this quote comes in noticeably lower.
Why such a big gap? A few factors are at play. Port Kennedy is not classified as a cyclone risk area, which immediately reduces the risk profile compared to properties in northern WA or Queensland. The suburb also doesn't face the same bushfire exposure as many rural or semi-rural WA postcodes. Compared to flood-prone or storm-affected regions on the east coast — which drag the national average upward significantly — Port Kennedy is a relatively benign insurance environment.
You can explore the full pricing landscape for this postcode at the Port Kennedy suburb stats page, compare it against WA state-wide data, or see how it stacks up against national home insurance benchmarks.
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Property Features That Affect Your Premium
Every home is different, and insurers price risk based on a range of property-specific factors. Here's how the features of this particular home likely influence its premium:
Double Brick Construction Double brick is widely regarded as one of the most resilient wall materials available in Australia. It offers excellent resistance to fire, wind, and general wear — all of which insurers reward with lower premiums. Compared to brick veneer or weatherboard homes, a double brick property typically attracts more competitive pricing.
Steel / Colorbond Roof Colorbond roofing is a popular choice in WA for good reason. It's lightweight, durable, and highly resistant to corrosion — particularly valuable in coastal suburbs like Port Kennedy where salt air can degrade other materials more quickly. From an insurance perspective, a steel roof in good condition is a positive risk indicator.
Slab Foundation A concrete slab foundation is standard for homes built in the 2000s across much of WA. It's considered low-risk by insurers, with no subfloor space that could harbour moisture, pests, or structural issues.
Timber / Laminate Flooring While attractive and practical, timber and laminate floors can be more susceptible to water damage than tiles. This is worth keeping in mind when assessing your contents and building coverage — particularly for any areas near bathrooms or laundry spaces.
Solar Panels Solar panels are a common feature on WA homes, but they do add complexity to insurance. They represent a capital asset that needs to be factored into your sum insured, and some policies treat them as part of the building while others may require a separate endorsement. It's worth confirming with your insurer exactly how your panels are covered.
Ducted Climate Control Ducted air conditioning systems are a significant fixed asset and should be included in your building sum insured. At $523,000, this property's building coverage appears appropriate for a 244 sqm home of this specification in the current market.
Construction Year: 2005 A home built in 2005 is relatively modern and would have been constructed under building codes that reflect contemporary standards. This generally works in the homeowner's favour when it comes to risk assessment.
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Tips for Homeowners in Port Kennedy
1. Review your sum insured regularly Building costs in WA have risen considerably over the past few years. A sum insured of $523,000 for a 244 sqm double brick home is worth revisiting annually to ensure it reflects current rebuild costs — not the price you paid for the property or what it's worth on the open market.
2. Clarify solar panel coverage If you have solar panels (as this property does), ask your insurer specifically whether they're covered under the building policy, and for how much. Panels can cost tens of thousands of dollars to replace, and coverage terms vary between providers.
3. Don't overlook your contents sum insured A $50,000 contents sum insured is relatively modest for a four-bedroom home. Take stock of your furniture, appliances, electronics, clothing, and valuables — many homeowners find they're underinsured when they actually sit down and add it up.
4. Compare quotes before renewal Even if your current premium feels fair, the home insurance market is competitive. Prices can shift significantly between insurers for the same property. Using a comparison tool at renewal time takes only a few minutes and could save you hundreds of dollars.
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Ready to Compare?
Whether you're a Port Kennedy local or researching home insurance across Western Australia, CoverClub makes it easy to see what you should be paying. Get a home insurance quote today and compare your options in minutes — no obligation, no jargon, just clear pricing so you can make an informed decision.