Home Insurance Quotes in Ireland
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~Exclusive Home Insurance Promotion with Action24
We have teamed up with Action24 to deliver our Home Insurance customers with an exclusive offer, whereby our customers can avail of a discounted professionally monitored home alarm system from Action24. It’s a straightforward way to add extra protection and peace of mind.
Promotion terms and conditions available here, promotion ends 31.12.2026.What is Home Insurance?
Home Insurance protects your property and belongings against unexpected events such as fire, storm, flood, theft, and escape of water. With An Post Insurance, most customers choose Contents cover or combined Buildings and Contents cover online. Buildings-only cover is also available with Allianz by calling us on 0818 22 22 22. We search across our panel of trusted Irish insurers and present you with the most competitive price for your chosen level of cover.
What do I need to get a Home Insurance quote?
Getting a quote takes just a few minutes. Before you start, have the following ready: your personal details (name, address, Eircode, contact number, email, employment details), details about your home (year built, construction type, heating source, BER rating, alarm details, security information), your rebuild cost (use the SCSI House Rebuild Calculator to figure this out), your contents value (estimate the replacement cost of your belongings, room by room), and your claims history.
What Home Insurance cover options are available?
Your home is probably the most important asset in your life. That means you’ll want to safeguard it. Home insurance provides financial protection against a range of unexpected events, helping to make challenging situations a little easier.
Whether you’re a homeowner, tenant, first-time buyer, or landlord, we have a policy to suit your needs. Our home insurance covers your property and belongings against risks such as fire, storm, flood, theft, escape of water, and subsidence. To help you get the most affordable home insurance policy, we compare quotes from our panel of trusted insurers at Aviva and Allianz.
Choose from our range of cover options below or call our friendly team — we’re here to help you find the right protection for you and your home.
1) Up to €3,000,000 cover for your legal liability for damages and costs following injury or disease to any person or loss or damage to property.
2) If you have an emergency in your home, we will provide a repair service to secure your home and help prevent further damage from occurring. Cover is available for up to €300 per incident/4 call-outs per policy year with Allianz or €260 per incident/3 call-outs per policy year with Aviva. This cover is underwritten by MAPFRE ASISTENCIA Compania Internacional De Seguros Y Reaseguros, S.A., trading as MAWDY.
3) Depending on your insurer, cover is available for up to €3,500 or €3,000.
4) Subject to a minimum premium.
5) Alarm must be installed and maintained in working order and in accordance with the manufacturer’s instructions and requirements. The alarm system must be activated when nobody is in the home.
^ Please refer to our cover comparison table below for applicable cover limits.
What Benefits are included with An Post Insurance Home Insurance?
Every home is unique, so your home insurance should be too. Whether you're an owner-occupier, a tenant or a landlord renting an apartment, we've got you covered. We’re proud to help our customers protect their no claims discount, even if the unexpected happens. You can even upgrade your policy with extras such as Family Legal Protection6, for added peace of mind.
Learn more about our home insurance features and benefits in our Help Centre.
6) Family Legal Protection is available as an optional extra on your Home Insurance policy, at a cost of just €15.60 per policy. It is not necessary to purchase this optional extra in order to purchase a Home Insurance policy. It will pay up to €65,000 to cover the legal costs that you may incur for claims made under the policy. Family Legal Protection is underwritten by ARAG Legal Protection Limited.
Home Emergency Assistance
Help is just a phone call away with our Home Emergency Assistance service. We will provide a repair service to secure your home and help prevent further damage from occurring.2
Alarm Discounts
Having an approved burglar alarm house alarm can give you peace of mind in knowing that your property and belongings are protected when you aren’t at home.5
Fire Brigade Services
We'll be there to help should the worst happen cover for call-out charges covered in relation to an insured event. Depending on your insurer, cover is available for up to €3,500 or €3,000.
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Finding a Leak
Trace & Access cover to help find the source of a leak. Depending on your insurer & cover type, cover is available for up to €1,000 or €750.
Replace Door Locks
If your keys are stolen we will replace your door locks. Depending on your insurer, cover is available for up to €1,200 or a maximum of your contents sum insured.
Frozen Food Cover
Covers loss or damage to frozen food. Depending on your insurer, cover is available for up to €1,000 or €750.
Accidental Damage Cover
Depending on your insurer, accidental damage is an optional extra that covers you for accidental damage to your buildings and/or contents in your home at an increased premium.7
Credit & Debit Card Protection
Depending on your insurer, you may be covered for lost or stolen credit/debit cards and cash within your home.8
Personal & Public Liability
Our policies include cover for your legal liability if someone is injured on your property or if you accidentally damage someone else’s property. Cover is available for up to €3,000,000.
7) It is not necessary to purchase this optional extra in order to purchase a home insurance policy.
8) If you are insured through Aviva, your lost/stolen credit or debit cards are covered up to €2,000 and cash up to €400. If you are insured through Allianz p.l.c., personal money cover up to €750 applies both inside and outside your home as standard.
Please refer to our policy booklets for full cover details and terms and conditions that apply. Discounts, cover limits, and terms and conditions are dependent on your insurer and those applicable to you will be outlined in your policy documents.
What does each Home Insurance policy type include?
| Feature / Benefit | Buildings & Contents | Landlord’s Insurance | Landlords Contents | Tenants Contents | First-Time Buyers |
|---|---|---|---|---|---|
| Buildings Cover | ✓ Included | ✓ Included | ✗ Not included | ✗ Not included | ✓ Included |
| Contents Cover | ✓ Included | ✓ Included | ✓ Included | ✓ Included | ✓ Included |
| Home Emergency Assistance2 | ✓ Included | ✓ Included | ✓ Included | ✓ Included | ✓ Included |
| Fire Brigade Charges | ✓ Included: Up to Aviva - €3,500 Allianz - €3,000 | ✓ Included: Up to Aviva - €3,500 Allianz - €3,000 | ✓ Included: Up to Aviva - €3,500 Allianz - €3,000 | ✓ Included: Up to Aviva - €3,500 Allianz - €3,000 | ✓ Included: Up to Aviva - €3,500 Allianz - €3,000 |
| Public & Personal Liability | ✓ Included: Up to €3,000,000 | ✓ Included: Up to €3,000,000 | ✓ Included: Up to €3,000,000 | ✓ Included: Up to €3,000,000 | ✓ Included: Up to €3,000,000 |
| Trace & Access (Leak) | ✓ Included: Up to Aviva - €1,000 Allianz - €750 | ✗ Not included | ✓ Included with Aviva only, up to €1,000 | ✓ Included with Aviva only, up to €1,000 | ✓ Included: Up to Aviva - €1,000 Allianz - €750 |
| Replace Door Locks | ✓ Included: Up to Aviva - €1,200 Allianz - cost of replacement up to max CSI# | ✓ Included: Up to Aviva - €1,200 Allianz - cost of replacement up to max CSI# | ✓ Included: Up to Aviva - €1,200 Allianz - cost of replacement up to max CSI# | ✓ Included: Up to Aviva - €1,200 Allianz - cost of replacement up to max CSI# | ✓ Included: Up to Aviva - €1,200 Allianz - cost of replacement up to max CSI# |
| Frozen Food Cover | ✓ Included: Up to Aviva -€1,000 Allianz - €750 | ✗ Not included | ✗ Not included | ✓ Included: Up to Aviva -€1,000 Allianz - €750 | ✓ Included: Up to Aviva -€1,000 Allianz - €750 |
| Alarm Discounts5 | ✓ Included | ✗ Not included | ✗ Not included | ✗ Not included | ✓ Included |
| Alternative Accommodation / Loss of Rent | ✓ Included: Up to 15% of BSI# &/or CSI# | ✓ Included: Up to 15% of BSI# &/or CSI# | ✓ Included: with Aviva only up to 15% of CSI# | ✓ Included: with Aviva only up to 15% of CSI# | ✓ Included: Up to 15% of BSI# &/or CSI# |
2) If you have an emergency in your home, we will provide a repair service to secure your home and help prevent further damage from occurring. Cover is available for up to €300 per incident/4 call-outs per policy year with Allianz or €260 per incident/3 call-outs per policy year with Aviva. This cover is underwritten by MAPFRE ASISTENCIA Compania Internacional De Seguros Y Reaseguros, S.A., trading as MAWDY.
5) Alarm must be installed and maintained in working order and in accordance with the manufacturer’s instructions and requirements. The alarm system must be activated when nobody is in the home.
# “CSI” stands for Contents Sum Insured and “BSI” stands for Buildings Sum Insured.
Please refer to our policy booklets for full cover details and terms and conditions that apply. Discounts, cover limits, and terms and conditions are dependent on your insurer and those applicable to you will be outlined in your policy documents.
Common questions before you get a quote
With An Post Insurance, the type of cover available to you depends on your property. If you own a house, your policy includes both buildings and contents cover as standard giving you full protection for your home and your belongings in one policy. If you live in an apartment or flat, contents-only cover applies, as the building is typically insured separately through your management company. If you are renting, tenants' contents insurance covers your personal belongings. Your landlord is responsible for the building.
Your rebuild cost is the cost of rebuilding your home from scratch, not its market value. Getting this right is essential. If you under-insure, your payout could be reduced. Use the SCSI House Rebuild Calculator for an estimate or consult a chartered surveyor.
Our Insurers
We compare prices from our panel of 2 trusted insurers and present you with our best available quote. Our home insurers include Aviva and Allianz.
Extra Care Option
Family Legal Protection is an optional extra that offers help and advice with the most common legal problems. For an additional premium, it will pay up to €65,000 to cover the legal costs that you may incur for claims made under the policy. You have access to a 24 Hour Helpline which will provide help and advice on any personal legal matter from a team of legal experts.
Legal Defence
Provides legal defence for you for employment discrimination, motoring, civil or criminal prosecutions.
Personal Injury
Will help you to pursue claims for physical injury or accidental death.
Contract Disputes
Will help and advise you if you need to pursue a claim following the purchase of goods or services that were not fit for purpose.
Property Protection
We will pursue claims if your home or personal possessions are damaged. It will also cover any problems arising from nuisance or trespass on your property.
Family Legal Protection is available as an optional extra on your Home Insurance policy, at a cost of just €15.60 per policy. It is not necessary to purchase this optional extra in order to purchase a Home Insurance policy. Family Legal Protection is underwritten by ARAG Legal Protection Limited
Home Insurance from An Post Insurance
We're Human About Insurance. Let us protect your house, while you make it a home. An Post Insurance is 100% Irish-owned, so we understand what matters most to you. Here is a quick snapshot of our great range of Home Insurance cover options, features and benefits, as well as how we can help you can get the cover that's right for you. Find a great Home Insurance Policy today.
Acceptance criteria, T&Cs apply, subject to minimum premiums.
Why Choose An Post Insurance for Home Insurance?
Wallet-Friendly Home Protection
We compare quotes from Aviva and Allianz to find you our best price — with up to €50 off* when you buy online. Plus, you can build your no claims discount to save even more on your home insurance.
Home Emergency Assistance as Standard
All our home insurance policies include 24/7 home emergency assistance. If you have a plumbing, heating, or electrical emergency, help is just a phone call away. We’ll provide a repair service to secure your home and help prevent further damage from occurring.2
Benefits and Bonuses
We reward existing home owners too with a no claims discount9 if you have held a home insurance policy and are claims free
Real Customer Care
We're powered by people just like you, living in communities all over Ireland. Our experienced team is on hand to get you the help you need.
*Available at time of display. Acceptance criteria and T&Cs apply. Also subject to a minimum premium. Discounts applied consecutively, new business customers only. Best price available online.
2) If you have an emergency in your home, we will provide a repair service to secure your home and help prevent further damage from occurring. Cover is available for up to €300 per incident/4 call-outs per policy year with Allianz or €260 per incident/3 call-outs per policy year with Aviva. This cover is underwritten by MAPFRE ASISTENCIA Compania Internacional De Seguros Y Reaseguros, S.A., trading as MAWDY.
9) This discount is available if you have held a home insurance policy with no gaps in cover and are claims free
for 5 years.
We value your feedback
The staff that looked after my renewal were all excellent. I was changing my car a few days before renewal and they took care of everything. They helped me with my payment (I was stressed at the time) and were so patient. Overall, very happy with the service. Janette 1st - Mar - 2026
Avoid Under-Insurance - Insure for the Right Amount
Under-insurance happens when your sum insured is less than the actual cost of rebuilding your home or replacing your contents. If you’re under-insured, your claim payout could be reduced proportionally (this can be called average clause). This could seriously affect your ability to rebuild or restore your home following destruction or damage.
The best way to avoid this is to make sure your home is insured for its rebuild cost — not its market value. Use the SCSI House Rebuild Calculator to estimate your rebuild cost. For contents, it’s best to go room by room and calculate the replacement cost of all your belongings.
Learn more about under-insurance.
Home Insurance FAQs
Depending on your insurer, accidental damage covers you for accidental damage to your buildings and/or contents in your home at an increased premium. Please refer to your Policy Booklet for further information on Accidental Damage Cover.
It is not necessary to purchase this optional extra in order to purchase a Home Insurance policy.
If you have an emergency in your home, Home Emergency Assistance will provide a repair service to secure your house and help prevent further damage from occurring.
Depending on your insurer, cover is available for up to €300 per incident/4 call-outs per policy year or €260 per incident/3 call-outs per policy year.
If you experience an emergency at home, please telephone 091 501 698 for Aviva Insurance Ireland DAC policies or 01 613 3990 (option 3) for Allianz p.l.c policies.
This cover is underwritten by MAPFRE ASISTENCIA Compania Internacional De Seguros Y Reaseguros, S.A., trading as MAWDY.
Please note, an excess is not payable when using Home Emergency Assistance.
The excess on your Home Insurance Policy refers to the amount payable by you, in the event of a claim. Under this policy, you will be required to pay a standard excess. You have the option to increase the excess, which will reduce your premium. Please refer to your policy documents to find out what excess is applicable to you.
The reinstatement value is the cost of completely rebuilding your house from scratch, less the value of the site, including architects' and surveyors' fees. This is the figure your house should be insured for.
Call our Customer Service team in Athlone on 0818 33 33 33. We can help you add higher-value items to your policy, update personal information, change payment or bank details, or answer any other queries.
Landlord Insurance is designed for those who rent out a property and need full protection for the building and any contents they provide. It includes cover tenant-related risks* and public liability.
If you’re letting a furnished apartment and only need Contents Cover, see our Landlord's Contents Insurance.
If you need full cover including the building, see our Landlord's Insurance.
*Please refer to our policy booklets for full cover details and terms and conditions that apply. Discounts, cover limits, and terms and conditions are dependent on your insurer and those applicable to you will be outlined in your policy documents.
Yes, generally. Your home is covered as usual if you work from home, as long as it is for personal use and not a full-scale business. Standard policies cover office equipment like laptops and furniture for personal business use only, provided there is not already a separate policy on the equipment. Cover limits apply. Refer to your policy booklet for the specific terms.
You must notify An Post Insurance immediately if your home is, or is likely to become, unoccupied. If your property is left empty for an extended period, certain cover, such as water damage and theft, may be excluded or restricted. The specific timeframes and conditions vary by insurer, so refer to your policy booklet for the terms that apply to you.
Yes, cover for flood, storm, and related water damage including damage from heavy rain, overflowing rivers, and burst pipes is included as standard on all An Post Insurance Home Insurance policies. There may be some cases where flood cover is excluded. This will be stated in your policy documents.
You may be able to reduce your premium by insuring for the correct rebuild cost (not market value), reviewing your contents cover so it reflects what you actually own, choosing a higher excess if affordable, maintaining a claims-free record, installing an approved alarm, and paying annually rather than monthly. Get a quote online to see the most competitive price for your cover.
A No-Claims Discount (NCD) is a reduction on your Home Insurance Premium that you receive for each year you do not make a claim. The longer your claims-free record, the bigger the discount, up to a maximum that varies by insurer. Refer to your policy booklet for full details.
Yes, An Post Insurance offers Home Insurance designed specifically for first-time buyers. With Aviva, first-time buyers can avail of a new business discount. With Allianz, first-time buyers benefit from a 5-year no claims discount. Your mortgage lender will require you to have Buildings Insurance in place before you draw down your mortgage. Visit our first-time buyers page for full details.
Standard Home Insurance covers your belongings inside your home only. If you want to protect items like jewellery, watches, cameras, laptops, phones, or hearing aids outside your home, you can add optional extra cover for personal belongings. This covers specified high-value items both inside and outside the home, within Europe and worldwide for a limited period. Individual items above a certain value may need to be listed separately on your policy. The cost is an additional premium. Contact An Post Insurance on 0818 22 22 22 or get a quote online for details.
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