Home Insurance Price Comparison 2023

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 so you can claim to repair or replace buildings, contents and valuables if there is a burglary, fire or other damage.

We carried out a Home Insurance Price Comparison in April 2023

The price comparison involved getting quotes for 1 year of buildings and contents insurance from five 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 €280k including contents of €28k.

All the house insurance quotes included an excess of €250 except for Aviva and An Post which had an excess of €275.

Cheapest Home Insurance

The cheapest home insurance quote from the 5 companies we tried was from Zurich.
It was €420 cheaper than the most expensive quote we obtained.

Zurich quoted €455 for a year.
This price was obtained using a special discount offer from One Big Switch .

(You can easily sign up fro free to get this offer 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 when you sign up for 2 or 3 years of home insurance. You can also get discounts on car insurance using One Big Switch

Other Home Insurance Quotes

  • Allianz Quoted €500 (via Switcher with €100 discount.)
  • Aviva Insurance €802
  • An Post quoted €840
  • Axa provided the most expensive quote at €865

1200 x 628

House Rebuild Cost Calculator

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See figures from a 2014 house insurance comparison here.

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