If you own a free standing home in Port Kennedy, WA 6172, you're probably curious about whether you're paying a fair price for home and contents insurance — or leaving money on the table. This article breaks down a real insurance quote for a four-bedroom, double brick home in the suburb, and puts the numbers in context against local, state-wide, and national benchmarks.
---
Is This Quote Fair?
The quote in question comes in at $1,151 per year (or roughly $112 per month) for combined home and contents cover, with a building sum insured of $550,000 and contents valued at $50,000. The building excess sits at $2,000 and the contents excess at $1,000.
Our price rating for this quote is FAIR — Around Average.
That assessment holds up when you dig into the data. The suburb median for Port Kennedy is $1,439 per year, meaning this quote sits comfortably below the midpoint of what locals are typically paying. It also falls well below the suburb average of $1,743/yr, which can be skewed upward by higher-value properties and more comprehensive policies.
That said, "fair" doesn't necessarily mean "the best available." Sitting between the 25th percentile ($948/yr) and the median suggests there's still room to find a more competitive rate — particularly if you're willing to shop around or adjust your excess levels.
---
How Port Kennedy Compares
One of the most useful ways to evaluate any insurance quote is to zoom out and look at the broader picture. Here's how Port Kennedy stacks up:
| Benchmark | Annual Premium |
|---|---|
| This Quote | $1,151 |
| Port Kennedy Suburb Average | $1,743 |
| Port Kennedy Suburb Median | $1,439 |
| LGA (Rockingham) Average | $1,618 |
| WA State Average | $2,144 |
| WA State Median | $1,944 |
| National Average | $2,965 |
| National Median | $2,716 |
Based on 50 quotes collected for the Port Kennedy area.
The numbers tell an interesting story. Port Kennedy sits noticeably below both the WA state average of $2,144 and the national average of $2,965 — a reflection of the suburb's relatively low-risk profile compared to many other parts of Australia. Homeowners in cyclone-prone northern WA, flood-affected Queensland, or bushfire-risk zones in Victoria and NSW typically face significantly higher premiums.
Within the Port Kennedy suburb itself, this quote performs well. At $1,151, it's around 20% below the suburb median and 34% below the suburb average — a meaningful saving on an annual basis.
The Rockingham LGA average of $1,618 provides useful local context too, confirming that Port Kennedy is broadly in line with the surrounding region, and that this particular quote is competitive within that frame.
---
Property Features That Affect Your Premium
Several characteristics of this property work in the homeowner's favour when it comes to insurance pricing.
Double brick construction is one of the most premium-friendly wall types you can have in Western Australia. It's structurally robust, fire-resistant, and less susceptible to storm damage than timber or clad alternatives. Insurers generally reward this with lower base rates.
Tiled roof is another positive. Concrete or terracotta tiles are considered a low-risk roofing material — durable, fire-resistant, and widely used across Perth's southern suburbs. Compared to older materials like asbestos sheeting or corrugated iron, tiles typically attract more favourable underwriting.
Slab foundation is standard for the era and region, and poses no particular concern for insurers in a non-flood-prone area like Port Kennedy.
Construction year (1988) is worth noting. Homes built in the late 1980s are generally well-regarded — past the era of the most problematic building materials, and with decades of proven structural performance. That said, a property of this age may benefit from updated electrical and plumbing systems, which can affect both safety and insurability.
Swimming pool adds a modest premium loading in most policies due to the associated liability risk and the cost to repair or replace pool infrastructure. It's worth confirming your policy explicitly covers pool-related structures and any accidental damage.
Solar panels are increasingly common across Perth's southern suburbs, and most modern policies do include them — but it's worth double-checking the specifics. Some insurers cover panels under the building sum insured, while others treat them separately. At 214 sqm, this is a well-sized home, and ensuring the $550,000 building sum insured accurately reflects replacement costs (including the panels) is important.
Vinyl flooring is relatively inexpensive to replace compared to hardwood or engineered timber, which can keep contents and internal fitout costs — and therefore premiums — lower.
The absence of ducted climate control and the property's location outside a designated cyclone risk area are both premium-friendly factors as well.
---
Tips for Homeowners in Port Kennedy
1. Review your building sum insured regularly. Construction costs in Perth have risen significantly in recent years. A $550,000 sum insured may have been appropriate when the policy was first taken out, but with labour and materials costs climbing, it's worth getting an independent building replacement cost estimate to make sure you're not underinsured.
2. Check your pool and solar panel coverage explicitly. Don't assume these are covered — ask your insurer directly. Confirm whether your solar panels are included under the building sum insured or need to be listed separately, and whether your pool and associated equipment (pump, filter, heating) are covered for accidental damage and storm events.
3. Compare quotes before renewal. A "fair" rating means you're not being gouged, but it doesn't mean you're getting the best deal available. The gap between the 25th percentile ($948/yr) and the median ($1,439/yr) in Port Kennedy is nearly $500 — which shows there's genuine variation in the market. Getting a fresh quote at CoverClub takes minutes and could uncover a better rate.
4. Consider your excess settings carefully. This policy carries a $2,000 building excess and $1,000 contents excess. Opting for a higher excess is a common way to reduce your annual premium — but make sure the excess is an amount you could comfortably cover out of pocket in the event of a claim. For many households, the sweet spot lies somewhere between the lowest and highest available options.
---
Ready to Compare?
Whether you're renewing an existing policy or insuring a new home, it pays to see what the market has to offer. CoverClub makes it easy to compare home and contents insurance quotes tailored to your property in Port Kennedy. Start your free quote today and find out if you could be paying less for the same level of cover.