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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

Home insurers unable to offer cover in high-risk subsidence areas

03/11/2025: A new survey by Cork-based BCE Consulting Engineers found that none of Ireland’s five major home insurers will provide subsidence cover for homes in high-risk areas.

Subsidence insurance protects against damage caused by the sinking or settling of the ground under a property.

Parts of Cork, Galway, Clare and Roscommon are among those most affected, leaving buyers unable to secure the insurance needed for mortgage approval.

BCE said buyers should check insurance availability early in the house-buying process, even before going sale-agreed if needed, as most lenders will not release funds if subsidence cover is excluded.