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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.

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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.


2 of 5 home insurance claims for water damage

The majority of Irish home insurance claims in 2023 were for water damage, from water leaks and burst pipes.

New research from People Insurance reveals that water damage made up 41%* of claims.

This was followed by storm and flood damage, which made up 20% of house insurance claims last year, while fire accounted for 11%.

“The figures are evidence of the toll that bad weather is having on homes across the country,” Peopl Insurance’s Paul Walsh said.

*Source: Peopl Insurance

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.

Learn more

Buildings insurance

Cover for the property itself, including the main building, your roof, windows and other permanent fixtures and fittings.

Learn more

Tenants insurance

Designed for tenants who are renting a property, to protect their possessions from fire, theft or flood.

Learn more

Holiday home insurance

Insurance for your holiday home. Opt for buildings only insurance, contents only insurance, or get cover for both.