Get an online quote for your home insurance today with The AA
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Compare car insurance with the AA
Compare car insurance quotes with our partner, The AA, in three simple steps.
1. Get a quote
Continue to The AA’s secure website and enter details about you, your car and driving history.
2. Compare
Compare 12 policy quotes from seven insurers, looking at price, cover, excess, optional extras and exclusions.
3. Choose
Choose the policy that suits you and arrange your cover directly with The AA when you’re ready.
About the AA
Experience
The AA has provided car insurance for over 40 years and roadside assistance for more than 100 years.
Customer ratings
Positive ratings across Google and Trustpilot, where it holds an ‘Excellent’ 4.3 score.
Comparison panel
The AA compares 12 policy quotes from a panel of seven insurers. It isn’t a whole-of-market comparison.
Customer benefits
AA customers can access fuel discounts and other benefits, subject to the relevant terms and eligibility.
How to compare home insurance quotes
Compare more than just price. Check the cover, excess, exclusions and total yearly cost before choosing a policy.
Choose the right cover
Decide whether you need buildings insurance, contents insurance, or both. If you rent, you may only need cover for your belongings.
Check your sums insured
Your buildings sum insured should reflect the cost of rebuilding your home, not its market value. Your contents cover should reflect the value of replacing your belongings.
Compare the excess
A higher excess may reduce your premium, but you’ll pay more yourself if you need to make a claim. Choose an amount you could realistically afford.
Review limits and exclusions
Check what’s included as standard and what costs extra, such as accidental damage, personal possessions cover, emergency accommodation or cover for high-value items.
Look at the total annual cost
Monthly payments can be convenient, but paying annually may reduce the total amount you pay over the year.
Which type of home insurance do you need?
The right home insurance depends on whether you own, rent, have a mortgage, or need cover for a second property.
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.
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.
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
Latest
New flood insurance fund proposed for Irish homes
27/08/2026: Insurance Ireland has proposed a new national fund to help homeowners in flood-risk areas get cover. Around one in 20 Irish properties currently struggles to access flood insurance.
The fund could be supported by a contribution averaging €24 per insured household each year. However, changes to existing insurance levies could mean no extra cost for the average household.
The wider plan includes grants for flood-proofing homes and a new Flood Performance Certificate, similar to a BER.
Nothing has been approved yet. The Government’s new working group will now consider the proposals. In the meantime, it is worth checking whether your home insurance covers flooding and whether any exclusions apply.
What can affect your home insurance premium?
Your home insurance cost depends on your property, the cover you choose and your claims history.
Home insurance FAQs
Our home insurance FAQs cover getting quotes, comparing policies, choosing the right cover and finding better value home insurance in Ireland.
Can you switch home insurance before renewal?
You can usually switch home insurance before your renewal date, but you should check your current policy for cancellation fees or conditions.
If your policy is due to renew soon, compare quotes before accepting your renewal offer so you can see whether there’s a better value option available.
Should you choose buildings insurance, contents insurance or both?
If you own your home, you may want buildings and contents insurance. Buildings insurance protects the structure of your home, while contents insurance protects your belongings.
If you rent, you may only need contents or tenants insurance, as your landlord is usually responsible for insuring the building.
What details do you need to get a home insurance quote?
You’ll usually need details about your home, including the property type, age, location, rebuild cost, security features and claims history.
You may also need to estimate the value of your contents and declare any high-value items, such as jewellery, laptops or expensive electronics.
Is the cheapest home insurance always the best option?
Not always. A cheaper home insurance quote may have a higher excess, lower cover limits or fewer benefits.
Before choosing a policy, check what’s included, what’s excluded and how much you would need to pay yourself if you made a claim.