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Guide
Your complete guide to home insurance in Ireland
Whether your want to protect your home or the belongings within it, here’s how to save euros on your home insurance cover.
- Part 1 How home insurance works
- Part 2 Types of home insurance
- Part 3 Home insurance costs
- Part 4 How to get cheaper cover
How to get cheaper home insurance
Reduce your monthly bills by comparing rates and choosing the right insurance to protect your home.
Opt out of auto-renew
When your policy is up for renewal, don’t assume loyalty pays. You have the right to opt out of automatic renewal at any time, but you’ll need to cancel auto-renew at least 10 days before your renewal date.
Shop around for a better deal
The best way to save money on your home insurance is to shop around every year. Many insurers offer discounts to entice new customers, so compare quotes from different insurers to see how much you could save by switching.
Pick the right excess
Increasing your excess means you pay a lower monthly premium. If you reduce the excess, you’ll pay a higher sum each month. Be aware that if you increase your excess, you’ll need to contribute more when you make a claim.
Get a multi-policy discount
You could bag a multi policy discount when you buy two types of insurance from the same insurer. For example, if you already have car insurance, you could get up to 15% off the second policy.
Pay upfront
Paying a larger lump sum upfront as opposed to by direct debit each month can reduce the overall cost of your home insurance. You could save up to 15-20% each year.
Latest
Insurance Compensation Fund levy cut by half
01/01/2026: In January 2026, the Central Bank halved the Insurance Compensation Fund levy from 2% to 1% after extensive discussions with the Department of Finance and the insurance industry.
The cut is the first change to the levy in 14 years, and officials have urged providers to pass these savings directly to homeowners.
For the average household, with a home insurance premium of around €500, this could mean a saving of around €5.00 per year.
Types of home insurance
Which type of insurance do you need? Here’s a quick glossary of home insurance types.
Contents insurance
Protects your belongings within your home. For example the furniture, valuables and furnishings.
Buildings insurance
Cover for the property itself, including the main building, your roof, windows and other permanent fixtures and fittings.
Tenants insurance
Designed for tenants who are renting a property, to protect their possessions from fire, theft or flood.
Holiday home insurance
Insurance for your holiday home. Opt for buildings only insurance, contents only insurance, or get cover for both.
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