Urraween is a quiet residential suburb in the Fraser Coast region of Queensland, sitting just inland from Hervey Bay. It's a popular spot for families and retirees alike, with a mix of established homes on generous blocks. This article breaks down a recent home and contents insurance quote for a free-standing home in Urraween (postcode 4655), comparing it against local, state, and national benchmarks — and explaining what drives the price.
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Is This Quote Fair?
The short answer: yes, and then some. This quote came in at $1,627 per year (or roughly $156 per month) for combined home and contents cover — a building sum insured of $350,000 and contents valued at $55,000, each with a $1,000 excess.
Our pricing engine rates this quote as CHEAP, meaning it sits well below the average for the area. To put it in perspective:
- The suburb average for Urraween is $3,200/yr
- The suburb median sits at $2,812/yr
- Even the 25th percentile — meaning cheaper than 75% of quotes in the area — is $1,905/yr
This quote beats even the cheapest quarter of local quotes, landing noticeably below the suburb's 25th percentile. For a homeowner in this part of Queensland, that's a genuinely strong result.
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How Urraween Compares to the Rest of Queensland and Australia
To truly appreciate how competitive this quote is, it helps to zoom out. Based on data from CoverClub's Urraween suburb stats, the local market already tends to price more affordably than much of regional Queensland — but the broader picture is striking.
| Benchmark | Premium |
|---|---|
| This Quote | $1,627/yr |
| Urraween Suburb Average | $3,200/yr |
| Urraween Suburb Median | $2,812/yr |
| QLD State Average | $9,129/yr |
| QLD State Median | $3,903/yr |
| National Average | $5,347/yr |
| National Median | $2,764/yr |
Queensland's state-wide average of $9,129/yr is heavily influenced by high-risk postcodes — think cyclone-prone coastal communities in North Queensland, flood-affected river towns, and bushfire-exposed hinterland areas. When you strip those out, the median of $3,903 is more representative, but still more than double this quote.
Nationally, the average home insurance premium across Australia sits at $5,347/yr, with a median of $2,764. Even against the national median, this Urraween quote is competitive — and against the national average, it's exceptional.
The suburb sample for this analysis is based on 52 quotes in the 4655 postcode, giving a reasonably solid picture of what locals are actually paying.
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Property Features That Affect Your Premium
Every home insurance quote is shaped by the specific characteristics of the property. Here's how the features of this particular home likely influence the premium — for better or worse.
Construction Materials
The home features Hardiplank/Hardiflex external walls and a steel/Colorbond roof. Both are viewed favourably by insurers. Fibre cement cladding like Hardieplank is fire-resistant, durable, and low-maintenance. Colorbond steel roofing is similarly robust — it handles wind and rain well, doesn't rot or corrode easily, and is widely used across Queensland. These materials generally attract lower premiums compared to older weatherboard or terracotta tile constructions.
Foundation and Age
Built in 1988, this home is around 37 years old — old enough to have some wear, but not so aged that it triggers significant loading. The concrete slab foundation is a positive signal for insurers; slabs are structurally sound, less susceptible to subsidence, and don't carry the pest-related risks associated with timber stumps or piers.
Pool and Solar Panels
A swimming pool adds some liability exposure and increases the overall replacement cost of the property, which can nudge premiums upward. Similarly, solar panels increase the insured value of the home and introduce some risk (electrical faults, storm damage), though modern systems are generally well-regarded. The fact that this quote remains competitive despite these features is a good sign.
Ducted Climate Control
Ducted air conditioning is a meaningful addition to any home's value. It increases the building sum insured and can be costly to repair or replace — but it's a standard feature in many Queensland homes, so insurers are well-practised at pricing it in.
No Cyclone Risk
Urraween sits outside the designated cyclone risk zone, which is a significant factor in keeping premiums down. Many coastal and far-north Queensland properties attract substantial cyclone loading. Being exempt from this means the insurer doesn't need to price in catastrophic wind event scenarios — a major reason why this quote compares so favourably to the Queensland state average.
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Tips for Homeowners in Urraween
Whether you're renewing your policy or shopping around for the first time, here are a few practical suggestions to help you get the best value on home insurance in this area.
- Review your sum insured regularly. Building costs have risen sharply in recent years. Make sure your $350,000 building cover still reflects what it would actually cost to rebuild your home from scratch — not just its market value. Underinsurance is one of the most common (and costly) mistakes homeowners make.
- Don't overlook contents cover. $55,000 in contents cover sounds like a lot, but it adds up quickly when you count furniture, appliances, clothing, electronics, and valuables. Do a room-by-room audit every year or two to make sure you're not underinsured on contents either.
- Keep your pool and solar panels well-maintained. Insurers may ask about the condition of these features at claim time. Regular servicing records for your solar system and pool equipment can support a smoother claims process if something goes wrong.
- Compare at renewal, not just once. The insurance market shifts constantly. A great quote this year may not be the best option next year. Using a comparison tool like CoverClub at each renewal takes only a few minutes and could save you hundreds of dollars.
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Ready to Compare Your Own Quote?
Whether you're a homeowner in Urraween or anywhere else in Australia, it pays to know what the market looks like before you commit to a policy. CoverClub makes it easy to see how your current premium stacks up — and find better options if it doesn't. Get a home insurance quote now and see exactly where you stand.