Home Insurance in Ireland is not compulsory – but if you have a mortgage your lender will insist on buildings insurance being in place.
Even if you don’t have a mortgage, it is wise to have home insurance to claim to repair or replace buildings, contents and valuables if there is a burglary, fire or other damage.
We carried out a House Insurance Price Comparison in April 2024
The small price comparison involved getting online home insurance quotes for 1 year of buildings and contents insurance from four different insurers on the same property. Accidental damage cover was included.
The property used for the insurance quotes was a 4-bed detached house in Galway with a rebuild cost of €340k including contents of €34k.
All the house insurance quotes included an excess of €250
Cheapest Home Insurance
The cheapest home insurance quote from the 4 companies in our comparison was from Zurich.
Zurich’s quote was €231 cheaper than the most expensive quote we obtained.
Zurich quoted €532 for a year.
This price was obtained using a special discount code from One Big Switch .
(Anyone can easily sign up for free to get this discount code at One Big Switch)
The Zurich quote included:
- 24/7 Home Emergency Assistance with up to 4 free callouts per year. (Covers up to €300 per call out.)
- Personal possessions cover outside the home up to €2,000. (single item limit €750.)
- Cover of home office equipment of up to €4,000.
Even bigger Zurich home insurance discounts are available with One Big Switch if you sign up for 2 or 3 years of home insurance. You can also get discounts on car insurance using One Big Switch
Summary of Home Insurance Quotes
- Zurich (Via One Big Switch) €532
- 123 quoted €751
- An Post quoted €851
- Aviva provided the most expensive quote of €853
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