Get an online quote for your home insurance today with The AA
Powered by
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
Why have we partnered with the AA?
Experts in the field
Offering car insurance for over 40 years, and roadside rescue for over 100 years.
Tried and trusted
Excellence rating in online reviews including Google and TrustPilot.
Exceptional value
Benefits at no extra cost, like Christmas & Wedding Gifts Cover and much more.
Exclusive perks
Online discounts, benefits and customer rewards as standard.
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 over 5% in May 2025
16/06/2025: Latest data from the Central Statistics Office (CSO) shows that home insurance prices rose by 5.1% in May compared to the same period in 2024, almost double the general rate of inflation.
Premiums were up by down slightly by -0.1% in May compared with the previous month, so although costs are still high, they are somewhat stabilising.
The average cost of home insurance premiums in Dublin and surrounding areas currently range from €455 to €865 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.