Table of Contents:

Home Insurance Quote

  • Compare every provider
  • Find the lowest price
  • Takes 30 seconds

What does landlord insurance cover?

Most landlord insurance policies include several types of cover. The exact cover will vary between insurers, but most policies provide a combination of the following:

Buildings insurance protects the property itself, as well as permanent fixtures like fitted kitchens, bathrooms, flooring and built-in wardrobes. It can help pay for repairs or rebuilds if your property is damaged by an insured event such as fire, storm, flooding, or vandalism.

This protects you legally in the event that you’re held responsible for injury to a tenant, visitor or member of the public. It can cover legal costs and compensation, subject to policy terms and limits.

If your rental property becomes uninhabitable following an insured event, loss of rent cover can help replace lost rental income while repairs are being carried out. Cover is subject to policy limits and conditions.

If you provide furniture, electronics and appliances in your rental property, you should consider landlord contents insurance for protection against theft or damage. This does not extend to your tenant’s personal belongings, which can be protected through a separate renters insurance policy.

Depending on the risks relevant to your property, most providers allow you to take your protection level even further. Common add-ons include:

  • Tenant damage
  • Legal expenses insurance
  • Accidental damage
  • Rent guarantee cover
  • Boiler and heating cover
  • Contents in communal areas
  • Employer liability
  • Unoccupied property cover

How much does landlord insurance cost?

In June 2026, we gathered landlord insurance quotes from various insurance providers for three properties in different counties. For each scenario, we provided insurers with identical property and customer details to compare quotes on a like-for-like basis.

We found that prices can vary considerably, even when the property, location, and level of cover remain the same. For example, one quote we received for a home in Dublin was four times more expensive than another.

Our advice: Because each insurer assesses risk differently and policies can vary in the level of protection they provide, comparing quotes from several providers will allow you to find the right level of cover for the right price.

Get free quotes for landlord insurance

Compare quotes from multiple Irish providers to find the best landlord insurance cover for your property.

Dublin 8, terraced house

BUILT

1965

TENANTS

4 professional

ROOMS

3 bed, 3 bath

ALARM

Standard

CLAIMS

Claims-free

  • Buildings cover: €360,000

  • Contents cover: €25,000

  • Exclusions: No cover for additional contents or accidental damage.

Maynooth, Co. Kildare, semi-detached house

BUILT

2021

TENANTS

Family

ROOMS

4 bed, 3 bath

ALARM

Monitored 

CLAIMS

Claims-free

  • Buildings cover: €260,000

  • Contents cover: €27,000

  • Exclusions: No cover for additional contents or accidental damage.

Cork City, apartment (contents only)

BUILT

2004

TENANTS

3 professional

ROOMS

2 bed, 2 bath

ALARM

Standard

CLAIMS

Claims-free

  • Contents cover: €23,000

  • Exclusions: No cover for additional contents or accidental damage.

How do insurers calculate premiums?

Your premium is based on the insurer’s assessment of the likelihood of you making a claim. The more likely an event is to occur, the higher your premium will be. When making this calculation, insurers tend to examine:

Property value

Construction type

Security

Location

Claim history

Type of tenants

How to reduce the cost of landlord insurance

There are various ways to keep your premium as low as possible without compromising your protection. You may be able to save money by:

  • Comparing quotes from different insurers
  • Installing approved security systems
  • Keeping the property well maintained
  • Minimising vacant periods
  • Choosing low-risk tenants

Compare landlord insurance quotes

Find the right cover for your rental property by comparing multiple quotes from trusted Irish providers.

Select your product

Simply select the insurance product you need a quote for e.g. life, home or health insurance.

Online quote form

Fill out one of our simple online assessments with your insurance details quickly and easily.

Free quote consultation

A qualified financial advisor will call you back soon for your free insurance quotation.

Landlord insurance for different property types

Not all rental properties carry the same level of risk. Depending on how your property is used, and by whom, you may require a specialist policy for your unique circumstances.

Student rentals are often perceived as being riskier than family homes, as they tend to experience higher tenant turnover and greater wear and tear. Some insurers offer policies specifically designed  to accommodate this.

Properties used for short-term holiday lets or Airbnb may not be covered under a standard landlord insurance policy, and you may need specialist Airbnb cover. If you rent your property on a short-term basis, don’t assume that you’re covered. Check with your insurer to ensure you’re not left without protection if you need to make a claim.

If you own several rental properties, insuring each one can be costly and time-consuming. Instead, some insurers offer portfolio landlord insurance that allows multiple properties to be insured under one policy, making administration simpler and even lowering costs in some cases.

Commercial landlords require specialist insurance designed for business premises. This differs from residential landlord insurance and often includes additional liability or business interruption protection.

If you rent out part of your own home, your insurance needs may be outside the remit of a standard rental property. Tell your insurer about your living arrangements to ensure you have appropriate cover.

Standard landlord insurance may not provide adequate protection for this type of property as HMOs often present a higher level of risk. This means they usually require specialist insurance. 

What information do I need to get a quote?

Insurers will ask various questions about both the property and the tenancy to assess the level of risk your rental property holds. Expect to provide details for the following:

Property

  • Property address
  • Property type
  • Year built
  • Bedrooms & bathrooms

Construction 

  • Construction materials
  • Roof type
  • Heating system
  • Estimated rebuild cost

About the tenancy

  • Number of tenants
  • Type of tenants
  • Is the property let as one unit?
  • Do the tenants have references?

Security

  • Burglar alarm
  • Smoke alarms
  • Locks
  • Other security features

Claims and insurance history

  • Previous insurance claims
  • Flood or subsidence history
  • Insurance refusals or cancellations

Other

  • Criminal convictions
  • Any business use of the property

Note: Providing accurate information is essential to ensure your policy remains valid if you need to make a claim.

Who offers landlord insurance in Ireland?

Several Irish insurers offer landlord insurance, including:

Allianz Ireland

Aviva

AXA

FBD

Outsurance

RedClick

Zurich

123.ie

Why choose us

Free, unbiased insurance comparison with trusted partners.

Free service

All information is provided free of charge to the public. We strive to keep information accurate and up to date.

No hidden costs

Unbiased information

Our information is free, fair and unbiased. Unlike other comparison sites, we have no preferential deals with any insurer.

100% independent

Vetted insurance partners

Our Central Bank regulated insurance partners are vetted for customer service and expertise, so you always get the best advice.

Quality assured

Frequently asked questions

No. Landlord insurance isn’t compulsory in Ireland, but it’s strongly recommended for anyone renting out a property. It can protect your investment against risks that standard home insurance may not include.

Insurers will factor in the type of tenants living in the property when calculating your premium, as some groups are perceived to be higher risk than others.

Not always. Many standard policies only cover boiler damage if it’s caused by an insured event. If you want protection against breakdowns, you may need to add optional boiler cover.

Yes, you can claim insurance premiums against your rental income to reduce the amount of tax you have to pay. If you’re unsure, speak to a qualified tax adviser or accountant about your individual circumstances.

No. Landlord insurance protects the building and any contents that belong to you as the landlord. Tenants should arrange their own contents or renters insurance to protect their personal possessions.

Get a home insurance quote

Compare insurance plans from top providers and save even more today, hassle-free and fast.

Trusted by 10,000+ Users