✍️ PeaceCover Editorial Team 📅 September 2026 ⏱️ 5 min read
📌 Key Takeaway: WA's combined home and contents cover averages $2,318/year — below the national average, though the cyclone-exposed Pilbara and Kimberley regions price well above the Perth metro rate.

Home Insurance in Western Australia

Western Australia sits below the national average for home and contents insurance, at $2,318 a year combined — made up of about $2,016 for building and $509 for contents.

Cover TypeWA Average
Building$2,016/year
Contents$509/year
Combined$2,318/year

What Drives Cost Differences Within WA

Northern WA, including the Pilbara and Kimberley regions, carries meaningful cyclone exposure and typically prices well above the Perth metro average, similar to the North QLD pattern on the east coast. Perth and the southwest generally see lower premiums, reflecting lower cyclone and flood risk.

2026 Award-Winning Providers

AAMI, Allianz, Budget Direct, QBE, Suncorp and Westpac all took out national 2026 Canstar awards and are worth quoting directly for WA addresses, alongside RAC WA for members.

This page is for educational purposes and isn't personalised financial advice. Premiums, terms and eligibility vary by insurer, state and individual circumstances — always check the Product Disclosure Statement (PDS) before buying.