Warnbro is a well-established coastal suburb in the City of Rockingham, about 45 kilometres south of Perth's CBD. Known for its family-friendly streets, proximity to Warnbro Sound, and solid stock of brick-and-tile homes, it's the kind of suburb where home insurance is a serious consideration — not an afterthought. This article takes a close look at a real home and contents insurance quote for a four-bedroom, two-bathroom free standing home in Warnbro, breaking down whether the price stacks up and what local homeowners can do to keep premiums in check.
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Is This Quote Fair?
The quote in question comes in at $1,982 per year (or $190/month) for combined home and contents cover, with a building sum insured of $636,000 and contents valued at $50,000. Both the building and contents excess are set at $1,000.
Our price rating for this quote is FAIR — Around Average, and when you dig into the numbers, that assessment holds up well.
Based on a sample of 50 quotes collected for properties in Warnbro (postcode 6169), the suburb average sits at $1,450/year and the median at $1,151/year. At $1,982, this quote lands above both figures — but it's worth noting that the suburb's 75th percentile is $2,181/year, meaning roughly a quarter of Warnbro homeowners are paying even more. So while this isn't the cheapest quote on the block, it's far from the most expensive either.
Compared to the broader Western Australian average of $2,811/year and the national average of $5,347/year, this quote looks quite competitive. In fact, it comes in roughly 30% below the WA average and well under two-thirds of the national figure — a meaningful saving by any measure.
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How Warnbro Compares
To put the numbers in perspective, here's how Warnbro stacks up across different benchmarks:
| Benchmark | Annual Premium |
|---|---|
| This Quote | $1,982 |
| Warnbro Suburb Average | $1,450 |
| Warnbro Suburb Median | $1,151 |
| Warnbro 25th Percentile | $708 |
| Warnbro 75th Percentile | $2,181 |
| Rockingham LGA Average | $1,561 |
| WA State Average | $2,811 |
| WA State Median | $2,127 |
| National Average | $5,347 |
| National Median | $2,764 |
A few things stand out here. First, Warnbro's premiums are notably lower than both the WA state median and the national median — a reflection of the suburb's relatively low-risk profile. Second, the Rockingham LGA average of $1,561/year is close to the suburb average, suggesting pricing is fairly consistent across the local government area.
This quote sits above the suburb median, which is likely influenced by the higher-than-average building sum insured ($636,000) and the inclusion of contents cover. Homeowners with smaller insured values or buildings-only policies will typically land closer to the lower end of the range.
You can explore detailed premium data for Warnbro and compare it to other Perth suburbs on the Warnbro suburb stats page.
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Property Features That Affect Your Premium
Several characteristics of this particular property have a direct bearing on how insurers price the risk — and in this case, many of them work in the homeowner's favour.
Double brick construction is generally viewed positively by insurers. It's durable, fire-resistant, and holds up well in storms. Compared to lightweight or timber-framed homes, double brick tends to attract lower premiums and is a common build type across Rockingham and the southern suburbs of Perth.
Tiled roof is another tick in the right column. Concrete or terracotta tiles are considered a resilient roofing material that performs well in the WA climate, particularly during summer storms. They're less prone to wind damage than some alternatives and are straightforward for assessors to value.
Slab foundation is standard for homes of this era and construction type in WA, and doesn't introduce any unusual risk factors for insurers.
Solar panels are worth flagging. While they add value to the property and reduce energy bills, they also increase the cost to rebuild or repair the home — which is one reason the building sum insured is on the higher side. Some insurers specifically cover solar panels under the building policy, but it's worth confirming this with your provider.
Ducted climate control is another feature that adds to the replacement cost of the home. Ducted systems are expensive to install and replace, and insurers factor this into the building sum insured calculation.
Construction year (1995) places this home in a generation of WA builds that used quality materials and met solid building standards. It's old enough that some components (roof tiles, ducting, electrical) may be approaching end-of-life, but not so old that it raises major red flags for insurers.
The 214 sqm building size is above average for a four-bedroom home, which contributes to the higher sum insured and, in turn, a slightly elevated premium.
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Tips for Homeowners in Warnbro
1. Review your building sum insured regularly Construction costs in WA have risen significantly in recent years. If your sum insured hasn't been updated to reflect current rebuild costs, you could be underinsured — or conversely, paying for more cover than you need. Use a building cost calculator or ask your insurer to review the figure annually.
2. Check what's covered for your solar panels Solar panel systems are a meaningful asset. Confirm with your insurer whether your panels are covered under the building policy, whether storm and accidental damage are included, and what the claims process looks like. Not all policies treat solar the same way.
3. Consider your excess level Both excesses on this policy are set at $1,000. Opting for a higher excess — say $2,000 — can reduce your annual premium noticeably. If you have a solid emergency fund and are unlikely to make small claims, a higher excess can be a smart way to lower your ongoing costs.
4. Compare quotes before renewal The spread of premiums in Warnbro is wide — from $708/year at the 25th percentile to $2,181/year at the 75th. That's a significant range, and it means shopping around at renewal time can genuinely pay off. Insurers price risk differently, and what one company charges for your property may differ substantially from another.
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Ready to Compare?
Whether you're reviewing an existing policy or shopping for cover on a new property, comparing quotes is the single most effective way to make sure you're not overpaying. Get a home insurance quote at CoverClub and see how your premium stacks up against real data from your suburb and across WA.