Compare Home Insurance in Ireland

Home insurance in Ireland is offered by 1 insurer covering both buildings and contents, with options from legacy incumbents to price-comparison-native challengers. Compare the rebuild cost (not market value) for buildings cover, and check whether contents cover includes accidental damage and high-value items above single-article limits.

Compare the top 16 Irish home insurance providers, with premiums from €105.04 /month. Data current as of 23 October 2026 and updated daily from the Giraffy database.

Live offers

23 live offers compared from 16 providers, from €105.04 /month. Updated daily.

AllianzHome Insurance Allianz

€105.04 /month

  • Provider: Allianz

Allianz Plan Allianz

€105.04 /month

  • Provider: Allianz

Allianz Home Insurance Allianz

€105.04 /month

  • Provider: Allianz

Chill Home Insurance Chill Insurance

€180 /year

  • Cover Type: Buildings + Contents
  • Buildings Cover: Up to €800,000
  • Contents Cover: Up to €50,000
  • Key Feature: Panel compare

RSA Home Protect RSA Insurance

€180 /year

  • Cover Type: Buildings + Contents
  • Buildings Cover: Up to €500,000
  • Contents Cover: Up to €40,000
  • Key Feature: 24hr helpline

Intact Home Insurance Intact Insurance

€180 /year

  • Cover Type: Buildings + Contents
  • Buildings Cover: Up to €600,000
  • Contents Cover: Up to €50,000
  • Key Feature: New-for-old replace

Zurich Home Insurance Zurich Car Insurance

€180 /year

  • Cover Type: Buildings + Contents
  • Buildings Cover: Up to €750,000
  • Contents Cover: Up to €60,000
  • Key Feature: Accidental damage

Liberty Home Insurance Liberty Insurance

€180 /year

  • Cover Type: Buildings + Contents
  • Buildings Cover: Up to €500,000
  • Contents Cover: Up to €40,000
  • Key Feature: Legal expense cover

AA Home Insurance AA Ireland

€180 /year

  • Cover Type: Buildings + Contents
  • Buildings Cover: Up to €500,000
  • Contents Cover: Up to €40,000
  • Key Feature: Breakdown bundle

Cornmarket Home Cornmarket

€180 /year

  • Cover Type: Buildings + Contents
  • Buildings Cover: Up to €600,000
  • Contents Cover: Up to €50,000
  • Key Feature: Public sector terms

Arachas Home Broker Arachas

€180 /year

  • Cover Type: Buildings + Contents
  • Buildings Cover: Up to €600,000
  • Contents Cover: Up to €50,000
  • Key Feature: Broker panel

GAN Direct Home GAN Direct

€180 /year

  • Cover Type: Buildings + Contents
  • Buildings Cover: Up to €500,000
  • Contents Cover: Up to €40,000
  • Key Feature: Online discount 10%

Alive Home Insurance Alive Insurance

€180 /year

  • Cover Type: Buildings + Contents
  • Buildings Cover: Up to €550,000
  • Contents Cover: Up to €45,000
  • Key Feature: Loyalty cashback

AXA Ireland Home Insurance AXA

€180 /year

  • Cover Type: Buildings + Contents
  • Buildings Cover: Up to full rebuild cost
  • Contents Cover: Up to €50k
  • Key Feature: Multi-policy discount; CBI regulated

FBD Home Insurance FBD Insurance

€180 /year

  • Cover Type: Buildings + Contents
  • Buildings Cover: Up to full rebuild cost
  • Contents Cover: Up to €40k
  • Key Feature: Ireland's largest domestic insurer; top claims ratings

Allianz Ireland Home Insurance Allianz

€180 /year

  • Cover Type: Buildings + Contents
  • Buildings Cover: Guaranteed rebuild cost
  • Contents Cover: Up to €50k
  • Key Feature: Mortgage lender accepted; guaranteed rebuild

Aviva Ireland Home Insurance Aviva

€180 /year

  • Cover Type: Buildings + Contents
  • Buildings Cover: Up to full rebuild cost
  • Contents Cover: New-for-old replacement
  • Key Feature: New-for-old contents; digital claims portal

AIG Ireland Home Insurance AIG

€180 /year

  • Cover Type: Buildings + Contents
  • Buildings Cover: Up to full rebuild cost
  • Contents Cover: Up to €50k; all-risks option
  • Key Feature: All-risks option for valuables; global insurer

AIG Landlord Insurance IE AIG

€180 /year

  • Cover Type: Buildings & Contents
  • Buildings Cover: Yes
  • Contents Cover: Yes
  • Key Feature: Landlord property specialist

Allianz Landlord Insurance IE Allianz

€180 /year

  • Cover Type: Buildings & Contents
  • Buildings Cover: Yes
  • Contents Cover: Yes
  • Key Feature: Rental income protection

Chill Landlord Insurance IE Chill Insurance

€180 /year

  • Cover Type: Buildings only
  • Buildings Cover: Yes
  • Contents Cover: No
  • Key Feature: Flexible broker cover

FBD Landlord Insurance IE FBD Insurance

€180 /year

  • Cover Type: Buildings & Contents
  • Buildings Cover: Yes
  • Contents Cover: Yes
  • Key Feature: Farm & rural expertise

123.ie Home Insurance IE 123.ie

€180 /year

  • Cover Type: Buildings & Contents
  • Buildings Cover: Yes
  • Contents Cover: Yes
  • Key Feature: Online quote discount

Home insurance in Ireland: October 2026 at a glance

Giraffy compares 23 home insurance policies from 16 Irish insurers and brokers, including FBD, Allianz, Aviva, AXA, Zurich, Liberty, AIG, RSA, AA Ireland and online brokers 123.ie, Chill and Arachas. Most are combined buildings and contents policies, and the biggest difference between them is the cover limit: Chill lists buildings cover up to €800,000 and Zurich up to €750,000 with contents up to €60,000, while AA, Liberty, GAN Direct and RSA cap buildings at €500,000 and contents at €40,000. Allianz guarantees the rebuild cost and is accepted by mortgage lenders.

Look at the extras too: Aviva and Intact replace contents new-for-old, AIG offers all-risks cover for valuables, Zurich includes accidental damage and Liberty adds legal expenses. If you rent a property out, five insurers — AIG, Allianz, Chill, FBD and 123.ie — list dedicated landlord insurance, which standard home policies do not cover. Prices depend on your Eircode, rebuild value and claims history, so compare quotes before renewal. Also compare mortgages and other insurance in Ireland.

What is home insurance in Ireland?

Home insurance protects your property and possessions against risks such as fire, storm, flood, theft and accidental damage. It usually splits into buildings cover, which insures the structure, and contents cover for your belongings; many policies combine both. Mortgage lenders require buildings cover as a condition of the loan, and contents cover is strongly advised for renters and owners alike.

How the Irish market works

Cover is sold directly by insurers and through brokers, with Chill and other intermediaries offering multi-insurer quotes. Underwriters active in Ireland include Allianz, FBD, AIG, RSA, Intact, Zurich and Liberty. Flood cover is a significant Irish issue: some homes in known flood zones face restricted availability, and the Office of Public Works flood-defence works can affect insurability. Rebuild cost, not market value, sets the buildings sum insured.

Benefits

Structural protection — buildings cover pays to repair or rebuild after fire, storm or major damage.

Contents cover — replaces belongings lost to theft, fire or accidental damage.

Liability cover — protects you if a visitor is injured or you cause damage to others.

Optional extras — accidental damage, all-risks for valuables and home emergency can be added.

How to choose

Set the buildings sum insured to the full rebuild cost rather than the sale price, and estimate contents accurately to avoid under-insurance, which can reduce payouts. Compare excesses, check flood and subsidence terms if relevant to your area, and confirm cover for high-value items. Using a broker can help place harder-to-insure homes, and paying annually is usually cheaper than monthly instalments.

Leading providers in Ireland

Allianz, FBD, AIG, RSA, Intact, Zurich and Liberty are among the main underwriters of Irish home insurance, while Chill and other brokers compare multiple insurers in one quote. FBD has a strong rural and agricultural presence, and several insurers specialise in older properties or homes in flood-prone areas where mainstream cover can be harder to obtain.

What it costs

Annual premiums commonly range from around €105 to €180 or more depending on the property's rebuild cost, location, claims history, level of cover and chosen excess. Homes in flood or subsidence zones, or with high-value contents, cost more. Combining buildings and contents with one insurer and paying annually typically reduces the overall premium.

Protections and regulation

The Central Bank of Ireland regulates home insurers and brokers under the Consumer Protection Code, covering disclosure, renewals and claims. Insurers must present renewal terms clearly and treat customers fairly at claim stage. The Financial Services and Pensions Ombudsman resolves disputes, Insurance Ireland represents the industry, and Office of Public Works flood-relief schemes influence cover availability in at-risk areas.

Common questions

What sum insured should I use for buildings? — Insure for the full rebuild cost, which differs from the property's market or sale value.

Is flood cover included? — It usually is, but homes in known flood zones may face restrictions or higher premiums.

Do renters need home insurance? — Buildings cover is the landlord's responsibility, but tenants should insure their own contents.

The cheapest Home Insurance in Ireland is €105.04 /month from Allianz.

Home Insurance in Ireland — FAQ

What does home insurance cost in Ireland?

Giraffy tracks 23 home insurance products across 16 insurers in Ireland. The lowest tracked price is €105.04 /month. Premiums depend on your property type, rebuild or replacement cost, contents value, and local claims history — compare multiple quotes to find the best deal for your specific circumstances.

What is the difference between buildings and contents insurance?

Buildings insurance covers the structure of your home — walls, roof, floors, and permanent fixtures — against events like fire, flood, or subsidence. Contents insurance covers your belongings inside the home. Many insurers offer combined buildings and contents policies, which is often better value than buying separately.

Do I need home insurance if I rent?

As a tenant, you're responsible for insuring your own belongings (contents insurance), not the building — that's the landlord's responsibility. Tenants' contents insurance covers your possessions against theft, fire, and accidental damage. Some policies also cover items outside the home.

What does home insurance typically NOT cover?

Standard exclusions include: general wear and tear, damage caused by pests, mechanical breakdown, and damage due to poor maintenance. Flood and earthquake cover is often sold separately — especially in high-risk areas. Always check exclusions carefully — especially for high-value items like jewellery above a single-item limit.

What is an excess and how does it affect my premium?

The excess is the amount you contribute towards a claim before the insurer pays the rest. A higher voluntary excess reduces your premium. Make sure you could comfortably pay the full excess amount in an emergency.

How is my buildings insurance cover amount calculated?

Buildings cover should reflect the rebuild cost — what it would cost to demolish and rebuild your home from scratch — not the market value. These figures can differ significantly. Many insurers provide online rebuild calculators; a professional assessment is more accurate for unusual or period properties.