Home Insurance Quote
Protect your home against the unexpected.
We compare Home Insurance Plans from multiple providers in Ireland,
ensuring you get the most comprehensive cover at the best price.
Use our Free Home Insurance Calculator to get started today.
- Standard, Non-Standard & High Value Homes
- Rentals, Investments & Holiday Homes
- Home & Personal Posessions Covered
- 24/7 Home Emergency Assistance
Home Insurance Quote
Meet our Team of Expert Advisors
Rebecca Sharpe
Life & Protection Department
Isabel Humphreys
Life & Protection Department
Seamus Phelan
Life & Protection Team Leader
Cormac Logue
Life & Protection Department
Alan Broderick
Life & Protection Department
Colin Bailey
Life & Protection Department
Maik Ikponwen
Life & Protection Department
Conor O'Hare
Life & Protection Department
Aidan Butler
Life & Protection Department
Rebecca Lynch
Life & Protection Department
Barry Howlin
Life & Protection Department
Colm Farrel
Life & Protection Department
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Why is it so important to have Home Insurance?
Home insurance isn’t just about the bricks and mortar. It’s about protecting your home, your belongings and providing peace of mind if the unexpected happens. From storm damage and burst pipes to theft or accidental damage.
Whether you live in a house, apartment, luxury home, mobile home or own a holiday home, the right home insurance policy ensures you’re covered when it matters most.
Home insurance is designed to put you back on your feet quickly and minimise any disruptions to your life.
Here’s why home insurance is one of the most important protections you can put in place:
Comprehensive Buildings & Contents Cover
Protect your home’s structure and your personal belongings against risks such as fire, flood, storm damage and theft. Cover can include everything from furniture and electronics to fixtures, fittings, and valuables such as expensive jewellery.
24/7 Home Emergency Assistance
Many modern home insurance policies include access to a 24/7 emergency helpline, giving you rapid support for urgent issues like burst pipes, heating breakdowns, or electrical faults, helping to limit any damage and unnecessary stress.
Protection for Belongings Outside the Home
Some policies provide cover for personal possessions away from your home.. Such as phones, laptops or jewellery, offering added protection while you’re out and about.
Leak Detection & Damage Prevention
Hidden leaks can cause major damage if left unchecked. Certain policies include cover towards the cost of locating water or oil leaks, helping to catch problems early and reduce repair bills.
Alternative Accommodation Cover
If your home becomes uninhabitable following an insured event, your home insurance can cover the cost of temporary accommodation, ensuring you and your family have somewhere safe to stay while repairs are carried out.
High Quality Claims Support
Good home insurance isn’t just about cover. It’s about your experience when you need to claim. Access to experienced claims teams and trusted repair networks can make a stressful situation far easier to manage.
Specialist & Extended Cover Options
Home insurance can extend beyond standard houses. Depending on your particular needs, cover can be made available for:
Apartments and rental properties
Holiday homes
Mobile homes and caravans
High-value or non-standard properties
This ensures that even more specialised homes can be protected under the right policy.
Peace of Mind, All Year Round
Ultimately, home insurance gives you confidence that no matter what life throws your way, your home and belongings are financially protected. Allowing you to focus on living, worry free.
Would you like to speak to an Advisor?
Our expert team of advisors is always here to help.
What Home Insurance Can Cover
A wide range of benefits designed to protect your home, belongings and peace of mind, with cover and limits depending on the policy you choose.
Homeowners (Buildings & Contents)
24/7 home emergency assistance for urgent issues such as burst pipes, heating breakdowns, or electrical faults (subject to limits).
Cover for personal possessions outside the home, such as phones, laptops, jewellery, and bags (single-item limits apply).
Contribution towards the cost of locating hidden water or oil leaks to help prevent further damage.
Alternative accommodation cover if your home becomes uninhabitable following an insured event.
Fire brigade charges covered following an insured incident.
Replacement locks covered if your keys are stolen.
New-for-old replacement of contents where repair is not possible.
Renters (Contents Insurance)
Protection for your personal belongings against fire, theft, flood, and other insured risks.
Personal possessions cover away from the home, ideal for everyday items you take with you.
Cover for visitors’ belongings while they are in your home.
Landlord, Holiday & Specialist Properties
Loss of rent cover following an insured claim that leaves the property uninhabitable.
Public liability cover to protect against claims for injury or damage involving the property.
Cover options available for apartments, holiday homes, mobile homes, and caravans (subject to underwriting).
Cover, limits, exclusions, and eligibility vary by insurer and policy. This content is for general guidance only and does not form part of a contract of insurance.
Benefits Included With Home Insurance
Compare common benefits across cover types. Checkmarks show which benefits are included for each type (limits and terms apply).
| Feature | Homeowners Buildings / Contents |
Renters Contents |
Holiday Home | Investment Property Landlord |
|---|---|---|---|---|
| Online savings (quote & buy online discount) | — | |||
| Additional savings (claims-free / other policy / alarm / BER A or B) | ||||
| 24/7 Home Emergency Assist (call-outs/limits may apply) | ||||
| Personal possessions outside the home (limits apply) | — | — | ||
| Fire brigade charges (limits apply) | ||||
| Debit & credit card fraud cover (limits apply) | — | |||
| Extended contents cover (+10% for weddings & Christmas) | — | — | ||
| Visitors’ belongings (limits apply) | — | — | ||
| Alternative accommodation (if home is uninhabitable) | — | — | ||
| Freezer contents (deterioration of stock in a deep freezer) | — | — | ||
| New-for-old replacement (where repair isn’t possible) | ||||
| Replacement locks if keys are stolen (limits apply) | ||||
| Finding a water or oil leak (limits apply) | ||||
| Home office equipment cover (limits apply) | ||||
| Loss of oil or water (limits apply) | ||||
| Clean-up expenses (after escape of water or oil) | ||||
| Plumbing (blockage of sewer pipes) | ||||
| Public liability (limits apply) | ||||
| Domestic employees’ liability (limits apply) | ||||
| Fatal accident benefit (limits apply) | ||||
| Title deeds cover (limits apply) | ||||
| Personal money cover (limits apply) | ||||
| Aerials, fittings and masts (limits apply) | ||||
| Garden contents cover (limits apply) | ||||
| Loss of rent (after an insured claim) | — | — | — |
Homeowners
Online savings (quote & buy online discount)
Additional savings (claims-free / other policy / alarm / BER A or B)
24/7 Home Emergency Assist
Personal possessions outside the home
Fire brigade charges
Debit & credit card fraud cover
Extended contents cover (+10% for weddings & Christmas)
Visitors’ belongings
Alternative accommodation
Freezer contents
New-for-old replacement
Replacement locks if keys are stolen
Finding a water or oil leak
Home office equipment cover
Loss of oil or water
Clean-up expenses (after escape of water or oil)
Plumbing (blockage of sewer pipes)
Public liability
Domestic employees’ liability
Fatal accident benefit
Title deeds cover
Personal money cover
Aerials, fittings and masts
Garden contents cover
Loss of rent (after an insured claim)
—
Renters
Online savings (quote & buy online discount)
Additional savings (claims-free / other policy / alarm / BER A or B)
24/7 Home Emergency Assist
Personal possessions outside the home
Fire brigade charges
Debit & credit card fraud cover
Extended contents cover (+10% for weddings & Christmas)
Visitors’ belongings
Alternative accommodation
Freezer contents
New-for-old replacement
Replacement locks if keys are stolen
Finding a water or oil leak
Home office equipment cover
Loss of oil or water
Clean-up expenses (after escape of water or oil)
Plumbing (blockage of sewer pipes)
Public liability
Domestic employees’ liability
Fatal accident benefit
Title deeds cover
Personal money cover
Aerials, fittings and masts
Garden contents cover
Loss of rent (after an insured claim)
—
Holiday Home
Online savings (quote & buy online discount)
—
Additional savings (claims-free / other policy / alarm / BER A or B)
24/7 Home Emergency Assist
Personal possessions outside the home
—
Fire brigade charges
Debit & credit card fraud cover
Extended contents cover (+10% for weddings & Christmas)
—
Visitors’ belongings
—
Alternative accommodation
—
Freezer contents
—
New-for-old replacement
Replacement locks if keys are stolen
Finding a water or oil leak
Home office equipment cover
Loss of oil or water
Clean-up expenses (after escape of water or oil)
Plumbing (blockage of sewer pipes)
Public liability
Domestic employees’ liability
Fatal accident benefit
Title deeds cover
Personal money cover
Aerials, fittings and masts
Garden contents cover
Loss of rent (after an insured claim)
—
Investment Property
Online savings (quote & buy online discount)
Additional savings (claims-free / other policy / alarm / BER A or B)
24/7 Home Emergency Assist
Personal possessions outside the home
—
Fire brigade charges
Debit & credit card fraud cover
—
Extended contents cover (+10% for weddings & Christmas)
—
Visitors’ belongings
—
Alternative accommodation
—
Freezer contents
—
New-for-old replacement
Replacement locks if keys are stolen
Finding a water or oil leak
Home office equipment cover
Loss of oil or water
Clean-up expenses (after escape of water or oil)
Plumbing (blockage of sewer pipes)
Public liability
Domestic employees’ liability
Fatal accident benefit
Title deeds cover
Personal money cover
Aerials, fittings and masts
Garden contents cover
Loss of rent (after an insured claim)
Important: Cover, limits, eligibility and exclusions vary by insurer and policy. This is general information only and does not form part of a contract of insurance.
Home Insurance Explained - FAQ
Quick answers to common questions about buildings, contents, and optional extras.
What’s the difference between buildings insurance and contents insurance?
Buildings insurance covers the structure of your home (walls, roof, permanent fixtures like fitted kitchens/bathrooms). Contents insurance covers your belongings inside the home (furniture, electronics, clothing, etc.). Many people choose a combined policy for full protection.
Do I need home insurance if I’m renting?
If you rent, your landlord typically covers the building. You may still want contents insurance to protect your belongings, plus optional cover for accidental damage or items outside the home depending on your needs.
Does home insurance cover storms, flooding, or escape of water?
Most policies cover common risks like storm damage and escape of water, but cover can vary by insurer and by property. Flood cover may depend on location and flood history. It’s important to ensure the policy matches your home’s risk profile.
What is “accidental damage” and do I need it?
Accidental damage covers sudden, unexpected incidents caused by everyday mishaps (for example, spilling liquid on a laptop or damaging a TV). It’s often optional and can be useful for families with children, pets, or higher-value items.
Are valuables like jewellery, watches, or bikes covered?
Valuables are often covered up to certain limits. Higher-value items may need to be specified (listed) on the policy. Some policies also offer cover for personal possessions outside the home.
Tip: Keep receipts, valuations, or photos for high-value items.
What does “personal possessions outside the home” cover?
This can cover items you take out and about (such as phones, laptops, jewellery, or bags) against risks like theft or accidental damage, typically up to a set limit per item and per claim.
What is 24/7 home emergency assistance?
Some policies include a 24/7 helpline that can arrange urgent help for issues like burst pipes, heating breakdowns, blocked drains, or electrical faults—helping reduce damage and disruption.
Does home insurance cover the cost of finding a leak?
Many policies cover damage caused by escape of water, and some include cover towards the cost of locating a hidden water or oil leak (up to a limit). Limits and terms vary, so it’s worth confirming what’s included.
If I need to leave my home after damage, will I be covered for somewhere to stay?
Most policies include alternative accommodation if your home becomes uninhabitable due to an insured event. This can cover temporary accommodation costs while repairs are completed, up to policy limits.
What’s the difference between “market value” and “rebuild cost”?
Market value is what your home might sell for. Rebuild cost is what it would cost to rebuild the home from scratch (materials, labour, professional fees, debris removal). Buildings insurance should be based on rebuild cost.
Can you cover apartments, holiday homes, mobile homes, or caravans?
Yes—cover is often available for a range of property types beyond standard homes, including apartments, holiday homes, mobile homes, and caravans, subject to insurer criteria and underwriting.
If your property is non-standard (e.g., thatched roof, unusual construction, or used seasonally), we’ll help match you with the right insurer.
How can I reduce the cost of home insurance?
- Increase your voluntary excess (only if you can comfortably afford it)
- Install/upgrade alarm and security features
- Bundle buildings & contents (where suitable)
- Review valuables limits and specify high-value items correctly
- Keep your rebuild cost and contents sum insured accurate
What information do I need to get a quote?
Typically: property type, year built (approx.), number of bedrooms, whether it’s owner-occupied or rented, security/alarm details, rebuild cost (or best estimate), and the level of contents/valuables you want to insure.
Note: Cover, limits, and exclusions vary by insurer and policy. This FAQ is general guidance and not a statement of cover.
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