Home Insurance Price Comparison 2024

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 February 2024

The small price comparison involved getting online home insurance quotes for 1 year of buildings and contents insurance from five different insurers on the same property. Accidental damage cover was not included.

The property used for the insurance quotes was a 4-bed detached house in Galway with a rebuild cost of €270k including contents of €20k.

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 in our comparison was from Zurich.
Zurich’s quote was €493 cheaper than the most expensive quote we obtained.

Zurich quoted €452 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 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 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) €452
  • Aviva Insurance €726
  • An Post quoted €851
  • AA Quoted €906 (via Switcher )
  • Axa and Supervalu provided the most expensive quotes at €945

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