Ulladulla is a popular coastal town on the NSW South Coast, sitting within the Shoalhaven local government area. Known for its fishing harbour, relaxed lifestyle, and proximity to national parks, it's also a suburb where home insurance costs are worth understanding carefully. This article analyses a recent home and contents insurance quote for a three-bedroom, free-standing brick veneer home in Ulladulla (postcode 2539) — and breaks down exactly what's driving the price.
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Is This Quote Fair?
The quoted annual premium of $2,568 (or $257/month) covers both building and contents, with a building sum insured of $784,000 and contents valued at $183,000. The building excess sits at $5,000 and the contents excess at $2,000.
Our price rating for this quote is FAIR — Around Average, and the numbers back that up. The suburb average premium for Ulladulla is $2,504 per year, meaning this quote lands just $64 above the local average — a negligible difference of around 2.5%. That's well within the normal range of variation between insurers.
It's worth noting that the suburb median premium is $2,031 — noticeably lower than the average. This gap between median and mean often indicates a spread of higher-value quotes pulling the average upward. At $2,568, this quote sits above the median but comfortably below the 75th percentile of $3,034, which means roughly three-quarters of comparable Ulladulla quotes come in at this price or lower. In short, there's room to do better, but this isn't an outlier by any stretch.
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How Ulladulla Compares
One of the most striking takeaways from this data is just how favourably Ulladulla compares to broader benchmarks. Check out the numbers:
| Benchmark | Average Premium | Median Premium |
|---|---|---|
| Ulladulla (2539) | $2,504/yr | $2,031/yr |
| NSW State | $9,528/yr | $3,770/yr |
| National | $5,347/yr | $2,764/yr |
| Shoalhaven LGA | $11,272/yr | — |
The NSW state average of $9,528 is heavily influenced by high-risk and high-value properties across the state — particularly in flood-prone inland areas, bushfire-affected regions, and premium Sydney suburbs. The Shoalhaven LGA average of $11,272 is especially eye-catching, and likely reflects the inclusion of more exposed coastal and rural properties within the broader council area.
By contrast, Ulladulla's suburb-level figures are considerably more modest. At the median, Ulladulla homeowners are paying well below both the national and state medians. This suggests that within the Shoalhaven LGA, Ulladulla itself represents a relatively more insurable pocket — though that doesn't mean premiums can't vary significantly depending on individual property characteristics.
You can explore the full breakdown of local pricing on the Ulladulla suburb stats page, compare it against NSW state averages, or view national home insurance benchmarks.
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Property Features That Affect Your Premium
Every property tells its own story when it comes to insurance risk. Here's how the specific features of this home influence its premium:
Brick Veneer Walls & Tiled Roof
Brick veneer is one of the most common — and insurer-friendly — wall materials in Australia. It offers solid fire resistance and structural durability, which generally keeps premiums lower compared to timber-framed or clad homes. A tiled roof similarly signals longevity and weather resistance to underwriters, particularly when well-maintained.
Slab Foundation
A concrete slab foundation is considered low-risk for most insurers. Unlike homes on stumps or piers, slab homes have less exposure to subfloor moisture issues and are generally straightforward to assess for structural integrity.
Timber & Laminate Flooring
While attractive and popular, timber and laminate flooring can be more susceptible to water damage than tiles. In the event of a burst pipe, storm ingress, or flooding, floor replacement costs can add up quickly — something to keep in mind when reviewing your contents and building sum insured.
Solar Panels
This property has solar panels installed. Solar panels are a fixed fixture and are typically covered under building insurance, but it's important to confirm this with your insurer. Some policies require panels to be specifically listed, and their replacement cost should be factored into your building sum insured. With a $784,000 building cover here, there's reasonable headroom to accommodate this.
Construction Year: 1980
A home built in 1980 is now over four decades old. While brick veneer homes of this era are generally robust, older properties can carry higher risk around ageing electrical wiring, plumbing, and roofing materials. Some insurers apply loadings to homes of this age, so it's worth shopping around to find one that assesses the property on its current condition rather than its age alone.
Building Size: 139 sqm
At 139 square metres, this is a modest-sized home. The $784,000 building sum insured equates to roughly $5,640 per square metre — broadly in line with current construction costs in regional NSW, though it's always worth getting a professional rebuild cost estimate to ensure you're neither underinsured nor over-paying.
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Tips for Homeowners in Ulladulla
1. Review your building sum insured regularly Construction costs have risen significantly in recent years. The cost to rebuild your home — not its market value — should be the basis of your sum insured. Consider using a building cost calculator or engaging a quantity surveyor to get an accurate figure, especially for a home of this age and size.
2. Confirm solar panel coverage If you have solar panels, contact your insurer directly to confirm they're included under your building policy. Ask whether storm damage, accidental breakage, and inverter failure are all covered — and whether any endorsements or exclusions apply.
3. Shop around — the 25th percentile is $1,061 The spread of premiums in Ulladulla is wide. The cheapest quarter of quotes in this suburb average just $1,061 per year. While lower premiums don't always mean better cover, it's a clear signal that comparing multiple insurers can yield meaningful savings. Get a quote through CoverClub to see what's available for your property.
4. Understand your excess before you claim This policy carries a $5,000 building excess — higher than average. A larger excess typically reduces your premium, but it also means you'll absorb more cost in a minor claim. Make sure the excess level aligns with what you could comfortably cover out of pocket, and consider whether a lower excess might be worth the additional premium.
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Compare Your Options with CoverClub
Whether you're renewing your policy or shopping for the first time, it pays to compare. CoverClub makes it easy to see how your current premium stacks up against real quotes from across Ulladulla and the broader NSW market. Start your comparison today and make sure you're getting the right cover at a fair price.