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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 some euro 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
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How to get cheaper home insurance
Cut your monthly bills - shop around and choose the right home insurance cover.
Shop around for a better deal
A good way to save money on your home insurance is to shop around every year. Loyalty often doesn’t pay, as many insurers offer discounts to entice new customers. Compare quotes and switch to cut the cost of your premiums.
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 up front as opposed to by direct debit each month can lessen the overall cost of your home insurance. You could save up to 15-20% each year.
Latest
Home insurance premiums up almost 7% in March 2025
14/12/2025: Latest data from the Central Statistics Office (CSO) shows that home insurance prices rose by 6.8% in March, almost 3 times higher than the general rate of inflation.
Premiums were up by 0.1% in March compared with the previous month.
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.