Home Insurance Quotes in Ireland

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. 

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 (less the value of the site) including architects and surveyors fees. It is important to note that the reinstatement value is the figure for which your house should be insured, rather than the market value of your home. For more information on calculating the reinstatement value of your house.

Calculate the rebuild cost of your home by using an online calculator or consulting a chartered surveyor. It’s important that you insure your home for the full reinstatement cost of your house as opposed to the current market value, as the market value may be more or less than the full rebuilding cost of your home. 

Change your home insurance policy by calling our Customer Service team in Athlone on 0818 33 33 33. We’ll be happy to help you add new higher value items to your policy, update personal information, update payment or bank details, or answer any other queries you might have.

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.

Buildings insurance covers the structure of your home — walls, roof, floors, and fixed fittings like kitchens and bathrooms. Contents insurance covers your belongings — furniture, electronics, clothes, and other items you’d take with you if you moved. Together, they protect both the home itself and everything inside it.

You may be able to reduce the cost of your home insurance by making sure your property is insured for the correct rebuild cost (not market value), reviewing your contents cover so it reflects what you actually own, and choosing a higher excess if it is affordable for you. Maintaining a claims-free history where possible can also help lower premiums over time. Security measures such as approved alarms and secure locks may also qualify for discounts. Finally, paying annually rather than monthly may reduce the overall cost of your policy too.

A no-claims discount (NCD) is a reduction to the price of your insurance that you receive if you have not made a claim. The amount of discount will depend on the underwriter of your policy. Please refer to your policy booklet for full details.

Both Allianz p.l.c and Aviva Insurance Ireland DAC generally cover your home as usual if you work from home, as long as it’s for personal use and not a full-scale business. Standard policies cover office equipment like laptops or furniture for personal business use only providing there is not already a separate policy on the equipment. T&Cs apply and you should refer to your policy booklet for full details.

Yes, we provide cover while your home is unoccupied, but only for a limited period. Typically, if your property is left empty for more than 30 days, you must notify us, as cover may be restricted or require an unoccupancy extension. This ensures protection against risks like theft, fire, or water damage while the home is vacant.

Please refer to your policy booklets for full cover details and terms and conditions that apply when your home is unoccupied.

In order to complete a home quote online you will need the following:

• Personal details for you and any other joint proposers on the policy, i.e. name, address, contact phone number, email address, and employment details.
• Details on the house to be insured, i.e. the year it was built, alarm details, main heating source, BER rating, amount of years with no claims, rebuild cost, contents amount, and security information, such as type of door and window locks
• Information on the type of construction, i.e. brick, stone, concrete, material used in roof construction, if it’s a listed building and the house’s history, including any previous loss or damage to the house.
  

Yes, both Allianz p.l.c and Aviva Insurance Ireland DAC cover flood, storm, and related water damage for buildings and contents. Allianz p.l.c includes cover for domestic buildings, outbuildings, and contents affected by storms or flooding, while Aviva Insurance Ireland DAC provides similar protection, including damage from heavy rain, overflowing rivers, or burst pipes. Both policies automatically include this cover as part of the standard home insurance.

Please note there may be some cases where flood cover is excluded, this will be stated on the policy documents in those cases and endorsements applied.

Storms can be very destructive, even in Ireland. Both Allianz p.l.c and Aviva Insurance Ireland DAC cover flood, storm, and related water damage for buildings and contents.

There are some differences between the two: Allianz p.l.c includes cover for domestic buildings, outbuildings, and contents affected by storms or flooding, for example, while Aviva Insurance Ireland DAC provides similar protection, including associated damage that could come from heavy rain, overflowing rivers, or burst pipes (note there are some cases where flood cover is excluded, but this will be listed on your policy documents).