AllianzHome Insurance Allianz
€105.04 /month
- Provider: Allianz
Compare Home Insurance in Ireland
Compare the top home insurance providers in Ireland — see cover, features and typical rates side by side.
Live offers
23 live offers compared from 16 providers, from €105.04 /month. Updated daily.
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
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 5 home insurance products across Allianz,Chill Insurance,RSA Insurance 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.