If you own a five-bedroom free standing home in Stirling, WA 6021, you're sitting in one of Perth's most established and sought-after suburbs. With tree-lined streets, solid brick construction, and a mix of long-time residents and growing families, Stirling is a suburb where property values — and therefore insurance considerations — deserve careful attention. Whether you're reviewing an existing policy or shopping around for the first time, understanding what drives your premium is the first step to making sure you're not overpaying.
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Is This Quote Fair?
The quote in question sits at $2,665 per year (or $255 per month) for a combined Home and Contents policy, covering a building sum insured of $1,190,000 and contents valued at $200,000. Both the building and contents excess are set at $1,000.
Our price rating for this quote is Expensive (Above Average) — and the data backs that up. When compared against other quotes in the Stirling area, this premium sits above the suburb's 75th percentile of $2,539/yr, meaning fewer than one in four quotes in this postcode come in higher. The suburb average is $2,238/yr and the median is $2,255/yr, placing this quote roughly $410–$427 above what most Stirling homeowners are paying.
That said, context matters. A $1,190,000 building sum insured is substantial, and a property of this size, quality, and specification — with above-average fittings, a pool, solar panels, and ducted climate control — will naturally attract a higher premium than a modest three-bedroom brick veneer. The question isn't just whether the price is high, but whether it's justified given the risk profile and the level of cover.
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How Stirling Compares
To put this quote in broader perspective, here's how the $2,665/yr premium stacks up across different benchmarks:
| Benchmark | Premium |
|---|---|
| This Quote | $2,665/yr |
| Stirling Suburb Average | $2,238/yr |
| Stirling Suburb Median | $2,255/yr |
| Stirling 75th Percentile | $2,539/yr |
| LGA (City of Stirling) Average | $1,660/yr |
| WA State Average | $2,811/yr |
| WA State Median | $2,127/yr |
| National Average | $5,347/yr |
| National Median | $2,764/yr |
A few things stand out here. While the quote is above the suburb average, it actually comes in below the WA state average of $2,811/yr — suggesting that on a statewide basis, this isn't an outlier. More strikingly, it sits well below the national average of $5,347/yr, which is heavily skewed by high-risk regions such as cyclone-prone areas in Queensland and the Northern Territory.
The LGA average of $1,660/yr is notably lower, but this figure encompasses a wide range of property types and sizes across the City of Stirling local government area — including smaller, lower-value homes — so it's not a like-for-like comparison for a five-bedroom property of this specification.
Based on a sample of 29 quotes in the 6021 postcode, Stirling's insurance market shows moderate spread, with premiums ranging broadly between the 25th percentile ($1,967/yr) and the 75th percentile ($2,539/yr). This quote exceeds that upper band, reinforcing the "expensive" rating — but not dramatically so given the property's features.
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Property Features That Affect Your Premium
Several characteristics of this property have a meaningful influence on what insurers charge. Here's how each one plays a role:
Double Brick Construction
Double brick is generally viewed favourably by insurers in Western Australia. It's durable, fire-resistant, and less susceptible to structural damage than lightweight alternatives. However, it can be more expensive to rebuild or repair, which contributes to the higher building sum insured.
Steel / Colorbond Roof
Colorbond roofing is a popular and well-regarded choice in Australia. It's lightweight, durable, and performs well in a range of weather conditions. Insurers typically consider it a low-to-moderate risk roofing material, and it's less prone to storm damage than terracotta tiles.
Slab Foundation
A concrete slab foundation is standard for homes built in the 2000s across Perth and is generally considered stable and low-risk, particularly in non-reactive soil conditions.
Swimming Pool
A pool adds value to a property but also increases the insurer's liability exposure. Pool-related incidents — from equipment damage to liability claims — can contribute to a higher premium. Ensuring your policy explicitly covers pool infrastructure is important.
Solar Panels
Solar panels are now a common feature on Australian homes, but they do add to the replacement cost of a property. If damaged by hail, storm, or fire, panels can be costly to replace, and not all policies cover them as standard. It's worth confirming your policy includes solar panel cover.
Ducted Climate Control
Ducted air conditioning systems are expensive to install and repair. Their inclusion can push up both the building sum insured and the overall premium, as they represent a significant fixed asset within the home.
Above-Average Fittings
Above-average fittings — think stone benchtops, quality cabinetry, premium flooring, and high-end fixtures — increase the cost to rebuild or restore the home to its original standard. This is a key driver of the elevated building sum insured and, consequently, the premium.
Timber / Laminate Flooring
Timber and laminate floors can be more susceptible to water damage than tiles, which may be a minor factor in how insurers assess internal risk.
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Tips for Homeowners in Stirling
1. Review your building sum insured regularly With construction costs rising across Australia, many homeowners find their sum insured falls behind what it would actually cost to rebuild. Conversely, over-insuring can mean you're paying more than necessary. Use a quantity surveyor or your insurer's building calculator to ensure your $1,190,000 figure is accurate and current.
2. Ask about bundling discounts Many insurers offer a discount when you combine home and contents cover under a single policy. If you haven't already confirmed this discount is being applied, it's worth asking — it could make a meaningful difference to your annual premium.
3. Check your pool and solar panel cover explicitly Don't assume these features are automatically included. Ask your insurer to confirm in writing that your pool equipment and solar panel system are covered for accidental damage, storm damage, and breakdown where applicable.
4. Shop around at renewal time Loyalty doesn't always pay in insurance. Premiums can shift significantly between providers for the same level of cover. Using a comparison platform like CoverClub at renewal time takes only a few minutes and could reveal a more competitive quote for your Stirling property.
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Find a Better Deal with CoverClub
Whether this quote is the right fit for your home or you're simply curious whether you could do better, comparing your options is always worthwhile. CoverClub makes it easy for homeowners across Stirling and greater WA to see real quotes side by side, with transparent pricing data drawn from actual policies in your area. Get a quote today and see how much you could save — without compromising on cover.