If you own a free standing home in Redcliffe, WA 6104, you're probably curious whether the home insurance quote sitting in your inbox is a fair deal — or whether you're leaving money on the table. This article breaks down a real home and contents insurance quote for a four-bedroom, double brick home in Redcliffe, comparing it against local, state-wide, and national benchmarks to help you make a more informed decision.
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Is This Quote Fair?
The quote in question comes in at $2,816 per year (or $263/month) for combined home and contents cover, with a building sum insured of $978,000 and contents valued at $50,000. Both the building and contents excess sit at $1,000.
Our price rating for this quote is Expensive (Above Average) — and the data backs that up. Based on 30 quotes collected for the Redcliffe suburb, the average annual premium in this postcode is just $1,117, with a median of $952. That means this quote is more than 2.5 times the local median — a significant gap that's worth investigating before you sign on the dotted line.
That said, it's important to consider what's driving the higher figure. This is a substantial property: 244 sqm of living space, above-average fittings, solar panels, ducted climate control, and a high building sum insured of nearly $1 million. These factors all push premiums upward, and some of the difference between this quote and the suburb average may simply reflect the size and quality of the home rather than an overpriced policy.
Still, a gap this wide warrants comparison shopping.
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How Redcliffe Compares
Understanding where Redcliffe sits in the broader insurance landscape can help put this quote in perspective.
| Benchmark | Average Premium | Median Premium |
|---|---|---|
| Redcliffe (6104) | $1,117/yr | $952/yr |
| LGA (Belmont) | $1,309/yr | — |
| Western Australia | $2,811/yr | $2,127/yr |
| National | $5,347/yr | $2,764/yr |
A few things stand out here. First, Redcliffe is notably affordable compared to the Western Australian state average of $2,811/yr — suggesting the suburb carries relatively low risk in the eyes of insurers. Second, when you zoom out to the national picture, WA as a whole sits well below the national average of $5,347/yr, which is heavily influenced by high-risk regions in Queensland and Northern Australia prone to cyclones and flooding.
The quote of $2,816 actually aligns closely with the WA state average — which makes more sense when you factor in the property's size and insured value. If the building sum insured were lower or the fittings more standard, you'd likely see a figure much closer to the suburb median.
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Property Features That Affect Your Premium
Several characteristics of this property have a direct influence on the insurance premium — both positively and negatively.
Double Brick Construction Double brick walls are one of the most favourable building materials from an insurer's perspective. They offer strong resistance to fire, impact, and weather events, which generally translates to lower risk and, in many cases, reduced premiums compared to brick veneer or timber-framed homes.
Steel/Colorbond Roof Colorbond steel roofing is widely regarded as durable and low-maintenance. It performs well in high winds and is resistant to fire, making it another risk-reducing feature. Insurers typically view this more favourably than older tile or corrugated iron roofing.
Slab Foundation A concrete slab foundation is standard for homes of this era in WA and presents minimal additional risk. It's neither a premium driver nor a discount trigger in most cases.
Solar Panels While solar panels are a great investment for energy savings, they do add to the replacement cost of the home and may slightly increase premiums. It's worth confirming with your insurer that your solar system is explicitly covered under your building policy.
Ducted Climate Control Ducted air conditioning systems are expensive to repair or replace and are typically included in the building sum insured. Their presence contributes to a higher rebuild cost, which flows through to a higher premium.
Above-Average Fittings Above-average quality fittings — think stone benchtops, quality cabinetry, premium fixtures — increase the cost to rebuild or repair the home to its original standard. This is one of the more significant factors pushing the building sum insured toward $978,000, and consequently lifting the annual premium.
No Pool, No Cyclone Risk Zone The absence of a swimming pool removes a common liability concern, and Redcliffe's location outside a designated cyclone risk area means the property avoids the significant premium loadings applied to homes in northern WA.
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Tips for Homeowners in Redcliffe
1. Review Your Building Sum Insured Carefully At $978,000, the building sum insured is the single biggest driver of this premium. Make sure this figure reflects the actual cost to rebuild your home — not its market value. An independent quantity surveyor or your insurer's calculator can help you arrive at an accurate number. Over-insuring is a common and costly mistake.
2. Compare Multiple Quotes The gap between this quote and the Redcliffe suburb median is substantial. Even accounting for the property's size and quality, there's likely room to find a more competitive rate. Use a comparison platform like CoverClub to see what multiple insurers would charge for the same level of cover.
3. Ask About Bundling Discounts Many insurers offer discounts when you hold both home and contents policies with them — which this quote already does. However, it's worth asking whether additional discounts apply for loyalty, security systems, or claims-free history.
4. Consider Your Excess Level Both the building and contents excess are set at $1,000. Opting for a higher voluntary excess — say $2,500 — can meaningfully reduce your annual premium. Just make sure you're comfortable covering that amount out of pocket in the event of a claim.
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Ready to Find a Better Rate?
Whether this quote feels right or a little steep, it always pays to compare. CoverClub makes it easy to see what home and contents insurance actually costs for properties like yours in Redcliffe — with real data from real quotes. Get a quote today and see how much you could save, or explore the full stats for Redcliffe WA 6104 to benchmark your own premium.