Stirling is one of Perth's most established and sought-after suburbs, sitting just 8 kilometres north of the CBD and offering a mix of modern infill developments and classic Perth architecture. For owners of a 3-bedroom, 2-bathroom townhouse in the 6021 postcode, understanding the true cost of home and contents insurance — and whether you're getting a fair deal — is an important part of protecting one of your most valuable assets.
This article breaks down a recent home and contents insurance quote for a double brick townhouse in Stirling, comparing it against local, state, and national benchmarks to help you make an informed decision.
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Is This Quote Fair?
The annual premium for this quote comes in at $1,860 per year (or $178 per month), covering a building sum insured of $782,000 and contents valued at $75,000, each with a $1,000 excess.
Our pricing analysis rates this quote as CHEAP — below average for the area. That's a meaningful finding. Based on 29 quotes collected for the Stirling 6021 suburb, the suburb average sits at $2,238 per year and the median at $2,255 per year. This quote comes in well below both figures — and also below the 25th percentile of $1,967 per year, meaning it's cheaper than at least 75% of comparable quotes in the area.
In practical terms, this homeowner is paying roughly $378 less per year than the suburb average, which adds up to nearly $1,900 in savings over five years. That's a strong result, and a good reminder that shopping around — rather than simply accepting a renewal offer — can make a significant financial difference.
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How Stirling Compares
To put this quote in proper context, it helps to zoom out and look at how Stirling stacks up against broader benchmarks.
| Benchmark | Average Premium |
|---|---|
| This quote | $1,860/yr |
| Stirling 6021 suburb average | $2,238/yr |
| Stirling 6021 suburb median | $2,255/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. First, Western Australia's average premium of $2,811 per year is notably higher than the WA median of $2,127, suggesting that a relatively small number of high-risk or high-value properties are pulling the average upward. Stirling, as a predominantly metropolitan suburb with no cyclone risk, tends to sit in a more favourable risk category than regional or coastal WA locations.
Second, the national average of $5,347 per year is strikingly high compared to what Stirling homeowners typically pay. This reflects the significant impact of natural disaster risk zones — particularly cyclone-prone areas in northern Queensland and WA, as well as flood-affected regions in NSW and Victoria — on the national average. Perth metro homeowners generally benefit from a comparatively benign risk profile.
The City of Stirling LGA average of $1,660 per year is actually lower than this individual quote, which may reflect a higher proportion of smaller or lower-value properties across the broader LGA bringing that figure down.
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Property Features That Affect Your Premium
Several characteristics of this particular townhouse work in the owner's favour from an insurance pricing perspective.
Double Brick Construction Double brick is widely regarded by insurers as one of the most resilient wall types available. It offers strong resistance to fire, wind, and impact damage, which typically translates to lower premiums compared to properties with timber or lightweight cladding exteriors.
Tiled Roof Concrete or terracotta roof tiles are considered a durable, low-maintenance roofing material. Compared to Colorbond or corrugated iron, tiles generally perform well in hail events and have a long lifespan — both factors that insurers view favourably.
Slab Foundation A concrete slab foundation is standard for Perth construction and is generally considered stable and low-risk, particularly in the sandy soil conditions common across much of the metro area.
Built in 2009 At around 15 years old, this townhouse sits in a sweet spot for insurers. It's modern enough to meet contemporary building codes (which improved significantly in WA following updates in the 2000s), yet old enough to have any early construction issues already identified and resolved.
Solar Panels The presence of rooftop solar panels is worth noting. While solar panels themselves can add modest cost to a premium (they represent additional equipment that needs to be covered), they're increasingly standard on Perth homes and most insurers price them in routinely. It's worth confirming with your insurer that your solar system is explicitly included in your building cover.
Ducted Climate Control Ducted air conditioning is a significant fixed asset that forms part of the building's value. At above-average fittings quality, the $782,000 sum insured reflects the cost to rebuild a well-appointed property — which is the correct approach. Underinsuring to reduce premiums is a false economy.
No Pool, No Cyclone Risk The absence of a swimming pool removes a common source of liability and maintenance claims. And being located outside a designated cyclone risk zone means this property avoids the premium loading that applies to many properties in northern WA.
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Tips for Homeowners in Stirling
1. Review your sum insured regularly Building costs in Perth have risen sharply in recent years due to labour shortages and material price increases. A sum insured set two or three years ago may no longer reflect the true cost to rebuild your home. Use an independent building cost calculator or speak with a quantity surveyor to ensure you're adequately covered.
2. Confirm your solar panels are covered Ask your insurer directly whether your solar panels are included under your building policy and up to what value. Some policies cap coverage for solar systems or treat them as optional extras. Given the cost of a modern solar installation, this is worth clarifying in writing.
3. Don't auto-renew without comparing This quote demonstrates that significant savings are available for Stirling homeowners who take the time to compare. Auto-renewing year after year can mean quietly paying above-market premiums. Compare quotes at CoverClub before your next renewal to see what's available.
4. Consider your contents value carefully A contents sum of $75,000 is a reasonable starting point, but it's easy to underestimate the replacement value of everything inside your home. Walk through each room and think about furniture, appliances, clothing, electronics, and valuables. Many homeowners find their contents are worth considerably more than their initial estimate — and being underinsured at claim time is a costly mistake.
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Compare Your Home Insurance Today
Whether you're a first-time buyer in Stirling or a long-term homeowner reviewing your cover, it pays to know what the market looks like. CoverClub makes it easy to see how your current premium stacks up and find a better deal if one exists. Get a home insurance quote now and see how much you could save — it only takes a few minutes, and the results might surprise you.
For more suburb-specific data, visit the Stirling WA 6021 insurance stats page or explore WA home insurance trends across the state.