Ulladulla is one of the South Coast's most beloved seaside towns — a relaxed, family-friendly community nestled between the Shoalhaven coastline and the escarpment of Morton National Park. It's also a place where home insurance premiums can vary quite significantly depending on your property's characteristics and the level of cover you choose. This article takes a close look at a recent home and contents insurance quote for a four-bedroom, free-standing home in Ulladulla (postcode 2539), and puts the numbers into context using suburb, state, and national data.
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Is This Quote Fair?
The quote in question comes in at $1,530 per year (or roughly $141 per month) for combined home and contents cover. The building is insured for $661,000, with contents covered up to $100,000, and both the building and contents excess are set at $2,000.
Our price rating for this quote is Fair — Around Average, which is a reasonable outcome for a property of this size and construction type in this part of New South Wales.
To put that in perspective: the average home and contents premium across Ulladulla sits at $1,631 per year, meaning this quote is tracking about $101 below the suburb average — a modest but meaningful saving. The suburb median, however, is a lower $1,254 per year, which tells us there's a spread of quotes in the area, with some homeowners securing considerably cheaper cover and others paying quite a bit more.
At $1,530, this quote falls between the median and the average — solidly in the middle of the pack for Ulladulla. It's not a bargain, but it's also not overpriced. For a 214 sqm brick veneer home built in 2005 with a tiled roof and slab foundation, this figure is broadly in line with what insurers typically price for properties of this profile.
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How Ulladulla Compares
One of the more striking findings when you zoom out is just how affordable Ulladulla is compared to the rest of New South Wales — and the country as a whole.
| Benchmark | Average Premium | Median Premium |
|---|---|---|
| Ulladulla (2539) | $1,631/yr | $1,254/yr |
| Shoalhaven LGA | $3,439/yr | — |
| NSW | $3,801/yr | $3,410/yr |
| National | $2,965/yr | $2,716/yr |
The contrast is stark. The NSW state average sits at $3,801 per year — more than double the Ulladulla suburb average. Even the national average of $2,965 per year is nearly twice what the typical Ulladulla homeowner pays. Interestingly, the broader Shoalhaven LGA average of $3,439 per year is also substantially higher than the Ulladulla suburb figure, suggesting that Ulladulla specifically may benefit from lower risk profiles compared to other parts of the LGA.
This gap is worth understanding. NSW as a whole carries a higher average premium partly due to the concentration of high-value properties in Sydney, flood-prone regions in western and northern NSW, and bushfire-exposed areas throughout the state. Ulladulla, while not without its own coastal and bushfire considerations, appears to sit in a relatively more insurable position compared to many other NSW postcodes.
You can explore the full breakdown of local pricing data on the Ulladulla suburb stats page.
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Property Features That Affect Your Premium
Every home is different, and insurers weigh up a range of factors when calculating your premium. Here's how the features of this particular property likely influence its pricing:
Brick Veneer Walls Brick veneer is one of the most common external wall materials in Australian residential construction, and insurers generally view it favourably. It offers good fire resistance and structural durability, which can help keep premiums moderate compared to timber-framed or clad homes.
Tiled Roof A tiled roof is another positive signal for insurers. Tiles are durable, fire-resistant, and long-lasting when well maintained. They tend to attract lower premiums than older or less robust roofing materials such as iron or asbestos sheeting.
Slab Foundation Concrete slab foundations are standard for homes built in this era and are generally considered low-risk from an insurer's perspective. They're less susceptible to subfloor moisture issues and pest damage compared to raised timber foundations.
Built in 2005 A construction year of 2005 means the home is built to relatively modern standards, including improved cyclone tie-downs, fire safety requirements, and energy efficiency measures that were introduced in Australian building codes through the late 1990s and early 2000s. This typically works in the homeowner's favour when it comes to pricing.
214 sqm Floor Area At 214 square metres, this is a comfortably sized four-bedroom home. The building sum insured of $661,000 equates to roughly $3,089 per square metre — a reasonable rebuild cost estimate for a well-appointed brick veneer home in regional NSW.
No Pool, Solar Panels, or Ducted Climate Control The absence of these features simplifies the risk profile. Pools, solar systems, and ducted HVAC units can all add to both the sum insured and the complexity of a claim, so their absence may contribute to a slightly lower base premium.
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Tips for Homeowners in Ulladulla
Whether you're reviewing an existing policy or shopping for new cover, here are a few practical steps to make sure you're getting the most out of your home insurance.
1. Check Your Building Sum Insured Annually Construction costs have risen significantly across Australia in recent years. A sum insured of $661,000 may be appropriate today, but it's worth reviewing this figure each year — ideally using an independent building cost calculator — to ensure you're not underinsured. Underinsurance is one of the most common and costly mistakes Australian homeowners make.
2. Consider Your Excess Carefully This policy carries a $2,000 excess on both building and contents. A higher excess typically reduces your annual premium, but make sure it's an amount you could comfortably cover out of pocket in the event of a claim. If $2,000 feels like a stretch, it may be worth comparing policies with a lower excess, even if the annual cost is slightly higher.
3. Review What's Actually Covered for Contents A $100,000 contents sum insured sounds substantial, but it can be easy to underestimate the replacement value of everything inside your home — furniture, appliances, clothing, electronics, jewellery, and more. Take time to do a proper contents inventory, and check whether high-value items like jewellery or art need to be listed separately as specified items.
4. Compare Quotes Before Renewing Loyalty doesn't always pay in insurance. Insurers frequently offer better rates to new customers than to existing ones, and the market can shift considerably from year to year. Using a comparison tool like CoverClub takes the legwork out of shopping around and gives you a clear picture of what's available for your specific property.
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Ready to Compare?
Whether this quote matches your own situation or you're simply trying to get a better handle on what home insurance should cost in Ulladulla, CoverClub makes it easy to see where you stand. Enter your address at CoverClub to compare quotes from a range of Australian insurers and find the cover that suits your home, your budget, and your peace of mind.