If you own a free standing home in Roleystone, WA 6111, you're likely aware that finding competitive home insurance in the Perth Hills can take a bit of legwork. Nestled in the City of Kalamunda, Roleystone is a leafy, semi-rural suburb with character homes, bushland surrounds, and a tight-knit community — all of which can influence what insurers charge. This article breaks down a recent home and contents insurance quote for a 4-bedroom, double brick home in the area, compares it against local and national benchmarks, and offers practical tips to help you get the best value cover.
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Is This Quote Fair?
The quote in question comes in at $1,367 per year (or $134/month) for combined home and contents cover, with a building sum insured of $600,000 and contents valued at $100,000. The building excess is $2,000 and the contents excess sits at $1,000.
Our price rating for this quote is CHEAP — Below Average, which is a strong result for the homeowner. To put it in perspective:
- The suburb average for Roleystone is $2,740/yr — meaning this quote is roughly 50% cheaper than what many local homeowners are paying.
- Even compared to the suburb median of $2,199/yr, this quote sits well below the midpoint.
- The suburb's 25th percentile — the threshold below which only the cheapest quarter of quotes fall — is $1,497/yr. This quote beats even that mark, placing it among the most competitive premiums seen in the area.
In short, this is an excellent result. Whether it's down to the property's construction quality, the insurer selected, or a combination of both, this homeowner is getting solid coverage at a genuinely low price point.
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How Roleystone Compares
It's worth zooming out to understand how Roleystone sits within the broader insurance landscape. Based on data from CoverClub's Roleystone suburb stats, premiums in this postcode can vary enormously — the 75th percentile reaches $4,277/yr, meaning a quarter of quotes in the suburb are over four times the price of this one. That's a wide spread, and it underscores just how much the right policy choice matters.
Comparing to the state level, the WA average premium sits at $2,144/yr (median: $1,944/yr), while the Kalamunda LGA average is slightly lower at $1,985/yr. This quote comfortably undercuts both figures.
Nationally, the picture is even more striking. According to CoverClub's national stats, the Australian average home insurance premium is $2,965/yr and the national median is $2,716/yr. This Roleystone quote is less than half the national average — a remarkable outcome by any measure.
| Benchmark | Premium |
|---|---|
| This Quote | $1,367/yr |
| Roleystone 25th Percentile | $1,497/yr |
| Roleystone Median | $2,199/yr |
| Roleystone Average | $2,740/yr |
| Kalamunda LGA Average | $1,985/yr |
| WA State Average | $2,144/yr |
| National Average | $2,965/yr |
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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
Double brick is widely regarded by Australian insurers as one of the most resilient wall types. It offers excellent resistance to fire, wind, and general wear — all factors that reduce the likelihood of a major claim. Homes built with double brick typically attract lower premiums than those with timber or lightweight cladding, and this property is a good example of that benefit in action.
Tiled Roof
A tiled roof is another tick in the right column. Concrete or terracotta tiles are durable, fire-resistant, and long-lasting, making them preferable to older materials like asbestos sheeting or corrugated iron in the eyes of most insurers.
Slab Foundation
Slab-on-ground foundations are straightforward to assess and generally less prone to the subsidence or termite-related issues that can affect raised timber stumps. This contributes to a lower risk profile overall.
Age of the Home (1983)
Built in 1983, this home is over 40 years old — something insurers do factor in. Older homes can carry higher risks around ageing plumbing, wiring, and roofing. That said, double brick homes from this era tend to age well, and the premium here suggests the insurer is comfortable with the property's condition and construction quality.
No Pool, Solar, or Ducted Climate Control
The absence of a swimming pool, solar panel system, and ducted air conditioning simplifies the risk profile considerably. Each of these additions can increase the cost to rebuild or repair a home, and their absence here likely contributes to the competitive premium.
Building Size: 205 sqm
At 205 square metres, this is a reasonably sized family home. The $600,000 sum insured works out to roughly $2,926 per square metre — a figure broadly consistent with current Perth construction costs, suggesting the building is neither significantly over- nor under-insured.
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Tips for Homeowners in Roleystone
1. Review Your Sum Insured Annually
Construction costs in Perth have risen sharply in recent years. It's worth revisiting your building sum insured each year to ensure it reflects current rebuild costs — not what you paid for the property. Underinsurance is a common and costly mistake.
2. Be Aware of Bushfire Risk
Roleystone is situated in a bushfire-prone area of the Perth Hills. Ensure your policy explicitly covers bushfire damage and check whether your insurer applies any bushfire-related exclusions or sub-limits. Maintaining a defendable space around your home can also support your coverage position and may influence your premium.
3. Consider Your Excess Strategy
This policy carries a $2,000 building excess and $1,000 contents excess. Higher excesses generally result in lower premiums — but make sure you could comfortably cover that out-of-pocket cost in the event of a claim. If cash flow is a concern, a lower excess (at a slightly higher premium) might be the smarter trade-off.
4. Compare Before You Renew
Insurance loyalty rarely pays off. Many Australians simply accept their renewal notice without shopping around — and that's how premiums quietly creep up. With the suburb's 75th percentile sitting at $4,277/yr, the difference between the best and worst quotes in Roleystone is enormous. Make it a habit to compare at least every two years.
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Get Your Own Quote
Curious how your Roleystone home stacks up? CoverClub makes it easy to compare home and contents insurance quotes from a range of Australian insurers in minutes. Whether you're a first-time buyer or a long-term homeowner overdue for a review, get a personalised quote at CoverClub and see if you could be paying less than you think.