Home Insurance Quotes Ireland 2025: Compare Prices
Anyone who’s ever grabbed a home insurance quote in Ireland knows the numbers swing wildly — one provider quotes €160, another pushes past €700. The difference isn’t random; it’s driven by your property type, location, rebuild cost, and the discounts you unlock, and this article breaks down what drives those price gaps, which providers offer the best value for your situation, and how to get a quote that actually fits your home.
Average annual home insurance cost (Bonkers.ie estimate): €430 · Cheapest quoted premium: €160 · Typical online discount: 10–20% · Number of providers on comparison sites: 17+ · Most popular cover type: Buildings and contents combined · Average no‑claims discount: Up to 40%
Quick snapshot
- Home insurance is not legally required but is mandatory for mortgage holders (FBD Insurance (Irish insurer)).
- Prices rose 7.5% year‑on‑year as of February 2025 (Oireachtas (Irish parliament record)).
- Which provider is cheapest overall depends on individual risk factors — no single insurer wins every scenario. (Bonkers.ie (comparison platform))
- Claims satisfaction ratings are subjective and vary by provider and claim type. (Bonkers.ie (comparison platform))
- Average cost is approximately €430 per year, according to Bonkers.ie (comparison platform).
- Online discounts of 10–20% are available from major providers (Allianz Ireland (insurer), Aviva Ireland (insurer)).
- Home insurance prices in Ireland rose 7.5% from February 2024 to February 2025 (Oireachtas (Irish parliament record)).
- Rising premiums mean comparing quotes annually is more important than ever.
- New entrants and digital‑only players may increase competition in 2025–2026.
Five key facts, one pattern: the cheapest upfront quote often hides gaps in cover, while a slightly higher premium can include add‑ons that save you money if you need to claim.
| Fact | Value |
|---|---|
| Average annual premium (Bonkers.ie estimate) | €430 |
| Cheapest quote found | €160 |
| Typical online discount | 10–20% |
| Number of providers compared | 17+ |
| Most common cover | Buildings & contents combined |
How much is the average home insurance in Ireland?
Average cost of buildings and contents insurance in Ireland
- The average combined buildings and contents policy in Ireland costs around €430 per year, according to Bonkers.ie (comparison platform).
- Quotes can range from as low as €160 to over €700, depending on your property and cover choices (Bonkers.ie).
- Home insurance prices rose 7.5% year‑on‑year as of February 2025, according to Oireachtas (Irish parliament record).
Factors that influence home insurance premiums
- Your property’s rebuild cost (not market value) is the primary driver — FBD Insurance (Irish insurer) advises insuring for the full rebuild cost including outbuildings.
- Location matters: homes in flood‑prone or high‑crime areas typically pay more.
- Your claims history over the last five years is also factored in (FBD Insurance).
Regional variations in home insurance costs
- Dublin and Cork tend to have higher premiums due to higher rebuild costs and crime rates.
- Rural properties may see lower premiums but can face higher risks from subsidence or flooding.
The pattern: annual comparison is essential to avoid overpaying.
Who has the best and cheapest home insurance?
Top providers for cheap home insurance in Ireland
- No single provider is always cheapest — premiums depend on your personal profile (Bonkers.ie).
- Online discounts: Aviva offers 20% off when you buy online (Aviva Ireland (insurer)), Allianz offers 10% off (Allianz Ireland (insurer)), and Chill.ie gives a €65 discount (Chill.ie (comparison site)).
- Use comparison sites like Bonkers.ie, Chill.ie, and CompareInsurance.ie (comparison platform) to get multiple quotes.
Comparing quotes from Zurich, Allianz, Aviva, and more
CompareInsurance.ie’s 2026 comparison table shows the following annual premiums for a standard policy (excess amounts in brackets):
Five providers, one pattern: the gap between the cheapest and most expensive is over €270, but the cheapest quote also comes with the highest excess.
| Provider | Annual premium (€) | Excess (€) |
|---|---|---|
| Allianz | 404.61 | 250 |
| Zurich | 430.04 | 350 |
| AXA | 471.55 | 350 |
| Aviva | 472.47 | 275 |
| RedClick | 676.21 | 250 |
Source: CompareInsurance.ie (comparison platform).
Allianz offers the lowest upfront premium, but Zurich’s policy may include better cover for accidental damage. For a homeowner on a tight budget: Allianz wins on price. For someone who values comprehensive cover: Zurich may be worth the extra €25.
The takeaway: balancing upfront cost with cover depth is the real challenge.
What is the best home insurance in Ireland?
Criteria for choosing the best home insurance
- The best home insurance depends on your needs: cover levels, add‑ons, and price.
- Key factors: rebuild cost accuracy, contents valuation, excess amount, and policy exclusions.
- Check if your mortgage lender requires buildings insurance — FBD Insurance (Irish insurer) notes it’s mandatory for most mortgage contracts.
Top‑rated home insurance companies (Zurich, Allianz, Aviva, AXA)
- Zurich is often highlighted for comprehensive cover, including accidental damage as standard.
- Allianz offers flexible cover options and a 10% online discount (Allianz Ireland (insurer)).
- Aviva provides a 20% online discount and up to 40% no‑claims discount (Aviva Ireland (insurer)).
- AXA offers comprehensive cover with optional accidental damage (AXA Ireland (insurer)).
Customer satisfaction and claim resolution ratings
- Customer reviews are mixed: some praise Allianz for quick claims, others mention delays with AXA.
- No independent Irish body publishes standardised claims satisfaction scores, so word‑of‑mouth and online reviews remain key.
The “best” provider for a homeowner in a flood‑risk area may be different from the best for an apartment dweller. Always check policy exclusions for flood or subsidence cover.
The implication: personal circumstances dictate the right choice.
What is the best price for home insurance?
Understanding home insurance pricing in Ireland
- The best price is not just the cheapest – consider cover levels and policy terms.
- Online discounts can reduce premiums by 10–20% (Allianz Ireland (insurer), Aviva Ireland (insurer)).
- Bundling buildings and contents often gives a better rate than separate policies.
How to get the best price on home insurance
- Use comparison sites like Bonkers.ie and Chill.ie to get multiple quotes.
- Increase your excess to lower the premium, but ensure you can afford the excess if you claim.
- Ask about no‑claims discounts: RedClick Insurance (Irish broker) offers up to 25% for five years claims‑free, while Aviva offers up to 40%.
Discounts and ways to lower your premium
- Online discounts: Aviva 20% off, Allianz 10% off, Chill.ie €65 off.
- Bank of Ireland mortgage customers can get a 15% discount with code MORTGAGE and a 20% discount for BER A/B properties with code ENERGY (Bank of Ireland (lender)).
- RedClick caps online discounts at €55 for combined buildings and contents (RedClick Insurance (Irish broker)).
The catch: the cheapest policy may not be the best value when you claim.
Is AXA good for home insurance?
AXA home insurance cover options
- AXA offers comprehensive home insurance with optional accidental damage and legal expenses cover.
- Buildings and contents can be combined or taken separately.
- AXA’s online quote process is straightforward, but prices are not always the cheapest — CompareInsurance.ie lists AXA at €471.55 per year (CompareInsurance.ie (comparison platform)).
Pros and cons of AXA home insurance
Upsides
- Comprehensive cover with optional add‑ons
- Global brand with strong financial backing
- 24/7 claims line
Downsides
- Customer reviews mention occasional claim delays
- Not always the cheapest option
- No online discount explicitly advertised
AXA vs other providers in Ireland
- AXA’s premium is mid‑range: €471.55 vs Allianz €404.61 and Aviva €472.47 (CompareInsurance.ie).
- AXA’s excess of €350 is on the higher side, similar to Zurich.
- For a homeowner who values a big‑name insurer and doesn’t mind paying slightly more, AXA is a solid choice. For a budget‑conscious buyer, Allianz or Aviva with online discounts may be better.
AXA’s price‑matching guarantee is not always available — always compare quotes before committing. For a mortgage holder: AXA’s buildings cover is accepted by most lenders, but check if your lender offers a discount for using their preferred insurer.
The verdict: AXA suits those who prioritise brand reliability over the lowest price.
Confirmed facts vs what’s unclear
Confirmed facts
- Home insurance is not legally required but is mandatory for mortgage holders (FBD Insurance (Irish insurer)).
- Prices rose 7.5% year‑on‑year in February 2025 (Oireachtas (Irish parliament record)).
What’s unclear
- Which provider is cheapest overall depends on individual risk factors.
- Claims satisfaction ratings are subjective and vary by provider.
- Average cost is approximately €430 per year, according to Bonkers.ie (comparison platform).
- Online discounts of 10–20% are available from major providers (Allianz Ireland (insurer), Aviva Ireland (insurer)).
“Get Home Insurance with up to a 20% online discount”
— Bonkers.ie (comparison platform)
“Get flexible home insurance”
— Allianz Ireland (insurer)
“Save 20% when you buy online”
— Aviva Ireland (insurer)
The implication for homeowners: rising premiums mean the window to lock in a good deal is narrowing. For a mortgage holder, the choice is clear: compare quotes every year, or risk overpaying by €200+. For a renter, contents‑only cover with a 10–20% online discount is a no‑brainer — but check that your policy covers accidental damage.
paddycompare.ie, observerireland.org, arachas.ie, moneyguideireland.com, quotedevil.ie
For the most accurate rates, many Irish homeowners rely on this home insurance comparison guide to compare providers side by side.
Frequently asked questions
Do I need home insurance in Ireland?
Home insurance is not legally required, but mortgage lenders almost always require buildings insurance. If you own your home outright, it’s still recommended to protect against fire, flood, and theft.
Can I get home insurance if I’m renting?
Yes, renters can take out contents insurance to cover their belongings. The building itself is usually insured by the landlord, but you should confirm this.
How to make a claim on home insurance?
Contact your insurer’s claims line as soon as possible. Provide details and evidence (photos, receipts). Most insurers aim to settle within 10–15 working days for straightforward claims.
What is not covered by standard home insurance?
Standard policies typically exclude wear and tear, gradual damage, and certain high‑risk events like floods or subsidence unless you have specific add‑ons. Always read the policy wording.
How do home insurance discounts work?
Online discounts reduce the premium when you buy through the insurer’s website or a comparison site. No‑claims discounts reward policyholders who haven’t claimed in 3–5 years. Some lenders offer discounts for having a mortgage with them.
Can I switch home insurance mid‑year?
Yes, you can cancel your current policy at any time, but you may lose the premium you’ve already paid or face a cancellation fee. Most insurers offer a 14‑day cooling‑off period after purchase.
Does home insurance cover accidental damage?
Accidental damage is often an optional add‑on, not included in standard policies. Check with your provider — some, like Zurich, include it as standard.
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