Roxburgh Park is a well-established residential suburb in Melbourne's northern growth corridor, and like many parts of outer metropolitan Victoria, it attracts a range of home insurance premiums depending on property size, features, and the level of cover chosen. This article takes a close look at a real home and contents insurance quote for a three-bedroom, two-bathroom free standing home in Roxburgh Park (VIC 3064), breaking down whether the price stacks up and what factors are likely driving the cost.
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Is This Quote Fair?
The quote in question comes in at $1,748 per year (or around $168 per month) for combined home and contents cover, with a building sum insured of $376,000 and contents valued at $208,000. Both the building and contents excess are set at $500.
Our price rating for this quote is FAIR — Around Average, and the data backs that up. Based on 104 quotes collected for Roxburgh Park, the suburb average sits at $1,618 per year and the median at $1,656 per year. This quote lands about $90–$130 above those central benchmarks, which is a modest premium but not alarming.
To put it in further context, the suburb's 25th percentile is $1,111 per year, meaning roughly a quarter of comparable properties in the area are insured for less — though often with lower sums insured or fewer features. The 75th percentile reaches $2,022 per year, so this quote sits comfortably in the middle band of the local market. You're not getting the cheapest deal available, but you're well clear of the more expensive end of the spectrum.
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How Roxburgh Park Compares
One of the most striking takeaways from this analysis is just how affordable Roxburgh Park is relative to broader benchmarks.
| Benchmark | Average Premium |
|---|---|
| Roxburgh Park (suburb) | $1,618 / yr |
| LGA — Whittlesea | $1,774 / yr |
| Victoria (state) | $3,000 / yr |
| National | $5,347 / yr |
The Victorian state average of $3,000 per year is nearly double what most Roxburgh Park homeowners are paying, and the national average of $5,347 per year — heavily skewed by high-risk areas in Queensland, Western Australia, and Northern Territory — is more than three times the local figure.
Even within the City of Whittlesea LGA, Roxburgh Park comes in below the $1,774 average, suggesting the suburb benefits from relatively low-risk characteristics compared to some of its neighbours.
The state median of $2,718 and the national median of $2,764 both reinforce the same picture: Roxburgh Park homeowners enjoy meaningfully lower insurance costs than the typical Australian household. For a property of this size and specification, a quote of $1,748 represents reasonable value in that broader context.
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Property Features That Affect Your Premium
Several characteristics of this particular property influence where the premium lands.
Brick veneer construction with a tiled roof is one of the most favourable combinations an insurer can see. Brick veneer offers solid fire resistance and durability, while tiled roofs are considered low-risk compared to materials like Colorbond or timber shingles. Together, these features typically attract lower premiums than lightweight or older construction types.
Slab foundation is the standard for homes built in this era and region, and it's generally viewed neutrally by insurers — it doesn't add risk the way pier-and-beam or older foundations might in flood-prone areas.
Built in 1995, the home is around 30 years old. This vintage is generally considered mid-range from an insurance perspective — old enough that some components (roofing, plumbing, electrical) may be approaching end-of-life, but not so old as to attract significant loading for heritage or non-standard materials.
Solar panels are worth noting. While they're a positive for energy bills, insurers treat them as an additional asset that needs to be covered under the building sum insured. If your panels aren't factored into your $376,000 building value, it's worth checking with your insurer to confirm they're included.
Ducted climate control is another feature that can influence the rebuild cost estimate. Ducted systems are expensive to install and replace, and they should be captured in your building sum insured to avoid being underinsured in the event of a total loss.
Carpet flooring and standard fittings suggest a mid-range fit-out, which aligns with the contents value of $208,000 — a reasonable figure for a three-bedroom home with two bathrooms.
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Tips for Homeowners in Roxburgh Park
1. Review your building sum insured regularly Construction costs have risen significantly in recent years. The $376,000 building sum insured should reflect what it would cost to fully rebuild your home today — not its market value. Use a building cost calculator or ask your insurer to review the figure annually, particularly given the solar panels and ducted system on this property.
2. Check whether your solar panels are covered Many standard home insurance policies cover rooftop solar panels as part of the building, but some have exclusions or sub-limits. Confirm with your insurer exactly how your panels are covered and whether storm or hail damage is included.
3. Don't over-insure contents, but don't under-insure either A contents value of $208,000 is substantial. It's worth doing a room-by-room inventory every couple of years to make sure this figure is accurate. Paying to insure more than you own is wasteful; being underinsured when you need to claim is costly.
4. Compare quotes before renewal The suburb's 25th percentile of $1,111 per year shows that cheaper options do exist in Roxburgh Park — potentially for similar levels of cover. Even if you're happy with your current insurer, it costs nothing to run a comparison at CoverClub before your renewal date to make sure you're not leaving money on the table.
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Find a Better Deal with CoverClub
Whether you're renewing your policy or shopping for the first time, CoverClub makes it easy to see how your quote stacks up against real data from your suburb and beyond. Explore Roxburgh Park insurance stats or get a personalised quote in minutes. With over 100 data points from the local area alone, you'll have the context you need to make a confident decision.