Home insurance quotes can vary significantly depending on where you get your quote and what your property circumstances are.
Compare Insurance are here to compare all the home insurance quotes on the market to find you the best one.
Table of Content
What factors affect the price of home insurance?
A number of factors impact such as the type of house, location of your house or security features of the property will impact your premium price. We have a look at each in a bit more detail.
Type of House
The age, construction, size, and roof type of your house will all affect its rebuilding costs and this will affect your home insurance premium.
Older, period, or listed buildings will cost more to insure.
Timber frame or flat roofed buildings will cost more to insure, and may require specialist home insurance.
Bespoke designs, eco homes, or houses built using non standard materials will cost more to insure.
Disclosure
You must let your insurance company know if you carry out renovations or extend your home as this may affect your rebuilding cost.
Location of House
If you live in an area prone to subsidence or flooding or you are some distance from fire services, this will affect how much you pay for home insurance.
You may also have exclusions in your policy.
The historic claims in your area eg thefts will also affect the price you pay for home insurance.
Security of House
Having monitored or unmonitored security alarms, specific types of lock, and smoke alarms will all affect the price you pay for home insurance.
Also, if your house is frequently left unoccupied for long periods this will affect your house insurance. If there is someone at home during the day, this may affect how much you pay.
Value of Personal Belongings
Home insurance contents cover may be calculated as a percentage of your buildings cover if you purchase both together. Renters insurance only covers your contents.
Specific belongings may be covered for a standard amount eg. home office equipment or frozen food. However, if you have specific valuables eg. sports equipment, jewellery, or art you will pay more to include them in your home insurance.
Claims History
If you have made previous claims on your home insurance, you will pay more in your monthly premium and you will lose your no claims discount. You will pay less for your home insurance policy if you are claim free.
Level of Cover
This depends on your house construction, as above, but also on any additional home insurance features or contents insurance cover you may require.
If you add cover for eg. bicycles or choose a policy with additional cover for extras eg. outbuilding contents this will cost more. Covering your belongings eg. laptop on an ‘all risks’ basis will make your insurance more expensive.
Adding accidental damage cover to your home insurance will mean higher premiums.
Excess
An excess is the amount you pay out of pocket, before you are covered by your home insurance policy. You can choose a higher or lower voluntary excess, but this will affect how much you pay for home insurance cover.
Home Insurance Providers in Ireland
Main Benefits of Home Insurance
House insurance normally consists of buildings cover, contents cover, or a combination of both to insure you against loss from fire, storms, flooding, subsidence, theft or vandalism.
Buildings Cover
Buildings cover will insure against damage to the structure of your home and covers repairs, replacement, and sometimes for alternative accommodation while a house is uninhabitable.
Contents Insurance
Contents insurance will cover the replacement cost of possessions or personal belongings lost through damage or theft.
Most home insurance policies cover loss of frozen food as well as fraudulent use of a credit or debit card in the event it is stolen during a break-in.
Additional Features
Many insurers offer a 24-hour home emergency assistance service with their home insurance and cover for emergency repairs for events such as break ins, water damage or damage to door locks.
Fire brigade charges in case of fire are usually covered as standard in your home insurance policy.
Repair and replacement of locks or other damage following a break in or attempted break in is generally standard.
Should someone have an accident or injury or have their property damaged while in your home, your insurance policy include liability cover.
Home office equipment or computer equipment is included in many home contents policies.
A domestic employee may also be covered for accidents while in your home under some policies.
High Value Items House Insurance
Specific items of high value which require additional cover can be added to your home insurance.
Examples include – garden decor or furniture, caravans, audio visual equipment, sports equipment and/ or bicycles, valuables such as jewellery, antiques, and art.
These can also be covered on an ‘all risks’ basis which means that you can use them away from home and they will still be covered.
Accidental Damage
Accidental damage can be added to home insurance policies which covers your home and personal belongings for accidental breakage or damage.
Home Insurance Quotes
| Insurer | Property 1* | Property 2* | Property 3* | Property 4* | Property 5* | Property 6* | |
|---|---|---|---|---|---|---|---|
| Aviva | €280.28 | €818.09 | Holiday Home Insurance (not rented, family only) – €56.96 | €898.83 annually | €643.63 annually | – | |
| FBD | €375.48 | €599.22 | – | – | – | – | |
| Zurich | €254.35 | €746.19 | Landlord Insurance (2 professional tenants) – €28.23 | €498.66 annually | – | €172.95 annually | |
| AIG | €254.35 | €954.96 | – | – | – | – | |
| AXA | €176.38 | €868.67 | Holiday Home Insurance (not rented, family only) – €21.45 | – | €580.32 annually | – | |
| Liberty | €339.18 | €1281.81 | Holiday Home Insurance (not rented, family only) – €46.32 Landlord Insurance (2 professional tenants) – €35.35 |
€744.49 annually | €480.02 annually | – | |
| Allianz | €254.46 | €855.62 | Holiday Home Insurance (not rented, family only) – €28.08 Landlord Insurance (2 professional tenants) – €36.15 |
€562.19 annually | €354.14 annually | €181.21 annually | |
| RSA | €356.06 | €1856.73 | Holiday Home Insurance (not rented, family only) – €36.98 Landlord Insurance (2 professional tenants) – €44.02 |
– | €539.93 annually | – | |
| Royal London | €413.11 | – | – | – | – | – | |
| KennCo | – | – | – | – | – | €639.14 annually |
Property 1 – 3 bed semi, Waterford City, built 2014. Buildings and Contents – no extras. Owner occupied, housewife, Rebuild value €220,000 with €35,000 contents, €250 excess, no previous insurance.
Property 2– 5 bed detached house, Dublin 16, built 1992. Buildings and contents – no extras. Owner occupied, housewife, Rebuild value €635000 with €45,000 contents, €250 excess, no previous insurance.
Property 3– 2 bed house, Garrettstown, Cork, built 2006. Buildings (€140,000) and contents (€20,000), €250 excess, 3 years previous insurance.
Property 4– 5 bed detached house, Co. Clare, built 2000. Buildings and Contents – no extras. Owner occupied, €270,000 buildings cover, €75,000 contents cover, €250 excess, no previous insurance.
Property 5– 3 bed semi- detached house, Co. Limerick, built 1980. Buildings and contents, no extras. Owner occupied, €150,000 buildings cover, €65,000 contents cover, €250 excess, no previous insurance.
Property 6– 4 bed semi-detached house, Blackrock, Cork, built 2020. Renter’s insurance – contents €75,000, 250 excess
Quote data accurate as of April 3rd 2023
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