Worrigee is a quiet residential suburb in the Shoalhaven region of New South Wales, sitting just inland from the coastal town of Nowra. It's a popular location for families, with well-established streets and a mix of newer builds and older homes. This article takes a close look at a real home and contents insurance quote for a four-bedroom, free-standing home in Worrigee — breaking down whether the premium stacks up, how it compares to the broader market, and what property features are driving the cost.
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Is This Quote Fair?
The quote in question comes in at $1,590 per year (or $173/month) for a combined home and contents policy. The building is insured for $826,000, with $50,000 in contents cover. The building excess is $4,000 and the contents excess is $1,000.
Our pricing analysis rates this quote as FAIR — Around Average.
That assessment holds up when you dig into the numbers. The suburb average premium for Worrigee sits at $1,354 per year, with a median of $1,143. This quote lands above both of those figures, which means it's on the pricier side relative to comparable local properties — but it's not out of bounds. At $1,590, it falls comfortably within the suburb's interquartile range of $986 to $1,961, meaning it's solidly in the middle of what Worrigee homeowners are actually paying.
It's also worth noting that this policy covers a substantial building sum insured of $826,000, which is likely higher than many of the comparison properties in the suburb sample. A higher insured value naturally pushes the premium up, so the "around average" rating is a reasonable reflection of the overall value on offer.
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How Worrigee Compares
To put the Worrigee market in perspective, it's worth zooming out to the state and national picture. You can explore the full data on the Worrigee suburb stats page, the NSW state overview, or the national insurance stats.
| Benchmark | Average Premium | Median Premium |
|---|---|---|
| Worrigee (NSW 2540) | $1,354/yr | $1,143/yr |
| NSW (State) | $9,528/yr | $3,770/yr |
| National | $5,347/yr | $2,764/yr |
The contrast between Worrigee and the broader NSW average is striking. The state average of $9,528 is heavily skewed by high-risk coastal and flood-prone areas — particularly parts of Sydney and Northern NSW — where premiums can be eye-watering. The NSW median of $3,770 is a more useful comparison point, and Worrigee's median of $1,143 comes in well below it, suggesting the suburb enjoys a relatively favourable risk profile.
Similarly, Worrigee sits well below the national median of $2,764, which is good news for local homeowners. The Shoalhaven region doesn't carry the same cyclone, extreme flood, or bushfire premium loadings that inflate costs in other parts of the country, making it a comparatively affordable place to insure a home.
It's worth noting the suburb sample size here is 13 quotes, so while the data is directionally useful, a larger dataset would provide even greater confidence in those benchmarks.
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Property Features That Affect Your Premium
Several characteristics of this particular property influence what an insurer charges — for better or worse.
Brick Veneer Walls & Tiled Roof Brick veneer construction with a tiled roof is generally viewed favourably by insurers. These materials are durable, fire-resistant, and less susceptible to storm damage than timber-framed or metal-clad alternatives. This combination typically attracts lower premiums compared to properties with less robust construction.
Slab Foundation A concrete slab foundation is a standard and well-regarded choice in NSW. It reduces the risk of subsidence and pest-related structural damage, both of which can be costly claims for insurers. Slab homes are generally straightforward to underwrite.
Built in 2011 A construction year of 2011 means the home is relatively modern — built to contemporary Australian Standards for construction and energy efficiency. Newer homes tend to have updated electrical systems, compliant plumbing, and better structural integrity, all of which reduce the likelihood of certain types of claims.
Swimming Pool A pool adds liability exposure to a policy. Insurers factor in the risk of accidental injury and the cost of repairs or replacement for the pool structure itself. This will contribute to a slightly higher premium than an equivalent property without one.
Solar Panels Solar panels are an increasingly common feature on Australian homes, but they do add complexity to a policy. They represent a meaningful replacement cost if damaged by hail, storm, or fire, and some insurers treat them as a separate item. It's important to confirm your policy explicitly covers solar panels and that their value is adequately reflected in the sum insured.
Ducted Climate Control Ducted air conditioning systems are a significant fixed asset. Their inclusion in the building sum insured is appropriate, as replacement or major repair can run into the tens of thousands of dollars. This feature likely contributes to the higher-than-median building sum insured of $826,000.
Timber/Laminate Flooring Timber and laminate floors are more susceptible to water damage than tiles, which can influence claims costs for events like burst pipes or storm ingress. Insurers may factor this in when assessing risk.
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Tips for Homeowners in Worrigee
1. Review your building sum insured regularly Construction costs have risen significantly across Australia in recent years. A sum insured set even two or three years ago may no longer reflect the true cost of rebuilding your home. Use an independent building cost calculator or speak with a quantity surveyor to ensure $826,000 is still adequate — underinsurance can be a costly mistake at claim time.
2. Confirm solar panels and pool equipment are covered Not all standard policies automatically cover solar panel systems or pool equipment to their full replacement value. Check your Product Disclosure Statement (PDS) carefully and ask your insurer directly. If these items aren't adequately covered, consider a policy that explicitly includes them.
3. Shop around at renewal The "fair" rating on this quote means there's room to find a better deal. Insurance pricing varies significantly between providers, and loyalty doesn't always pay. Use a comparison tool like CoverClub at renewal time to see if you can get equivalent cover for less.
4. Consider your excess settings This policy carries a $4,000 building excess, which is on the higher side. A higher excess lowers your premium but means more out-of-pocket costs if you need to claim. Think carefully about whether that trade-off suits your financial situation — and whether a lower excess might be worth a modest premium increase.
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Compare Your Home Insurance on CoverClub
Whether you're reviewing an existing policy or shopping for the first time, CoverClub makes it easy to see how your quote stacks up against real data from your suburb and across Australia. Get a home insurance quote today and find out if you're getting the right cover at the right price.