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Which type of apartment insurance do you need?

The specific type of home insurance you need depends on whether you own, rent or let your apartment.

Rental apartment insurance

If you are a renter and you want to protect your personal belongings from theft, fire and accidental damage, you should consider apartment contents insurance for renters.

Apartment contents insurance in Ireland can safeguard the following:

Furniture

Clothing

Electronics

Kitchen appliances

Valuables

You may also consider tenant’s liability insurance. This covers the cost of any damage you accidentally inflict to your landlord’s property, such as a broken window or a stain on a carpet. 

SHARING WITH HOUSEMATES

Check whether each person needs their own contents policy. Some insurers cover all occupants under a single policy, while others will not.

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Get free quotes from trusted Irish insurers for apartment contents insurance and compare cover options today.

Owner-occupier apartment insurance

The insurance you need as an owner-occupier depends on how your development is structured.

In most developments, the building is insured under a block buildings policy arranged by the Owners’ Management Company (OMC). You will usually contribute towards this cost through your annual service charge. 

Even if the building is insured under a block policy, don’t assume everything in your apartment is covered. You will still need contents insurance to protect your personal possessions.

If you have a mortgage, your lender will typically require buildings insurance to be in place before drawdown and throughout the mortgage term.

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Get free quotes and compare cover options from trusted Irish insurers for apartment insurance designed for owner-occupiers.

Landlord apartment insurance

If you let your apartment to tenants, standard home insurance will not provide adequate cover and could leave you unprotected in the event of a claim. Instead, you should consider landlord insurance, which can include:

  • Landlord contents cover: For furniture and fittings you provide

  • Property owner’s liability: If a tenant or visitor is injured on the property

  • Loss of rent: If the apartment becomes uninhabitable following an insured event

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Apartment block insurance

Apartment block insurance protects the building structure and shared areas from unexpected events and potential liabilities. The cost of this coverage is typically included in the annual service charge paid by apartment owners. 

It doesn’t cover personal belongings, so apartment owners, landlords and tenants will still need their own insurance policy if they want to protect their possessions.

What does apartment insurance cover?

The table below summarises what is typically covered under each policy type, but coverage can vary from policy to policy.

*Cover for fixtures and fittings varies between insurers. Built-in kitchens and bathrooms may be covered by the block buildings policy. Movable appliances and personal belongings are generally covered under contents insurance.

Optional extras

Many insurers allow you to add extra cover to your policy. This could include:

Designed to cover unexpected damage, such as a stained sofa or a broken window.

Protects items such as phones, laptops and jewellery when you’re away from your apartment.

Covers emergency repairs following events such as burst pipes or boiler breakdowns.

Helps cover legal costs for certain disputes or claims made against you.

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Compare quotes from multiple Irish providers to find the best insurance cover for you.

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The cost of apartment insurance in Ireland

In July 2026, we gathered quotes for a two-bedroom apartment in Dublin 7 from multiple providers. We provided each insurer with identical property and customer details to compare quotes on a like-for-like basis.

Our research shows how premiums can vary significantly between insurers. We received quotes for the same property and level of cover that were 100% higher, so it’s always worthwhile to compare quotes before purchasing a policy to ensure you get the best value for your money.

Costs for apartment owners

Dublin 7, apartment

BUILT

2018

ROOMS

2 bed, 2 bath

ALARM

Standard 

CLAIMS

Claims-free

  • Contents cover: €25,000

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

Costs for landlords

Dublin 7, apartment

BUILT

2018

ROOMS

2 bed, 2 bath

ALARM

Standard 

CLAIMS

Claims-free

  • Contents cover: €25,000

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

Note: Quotes gathered independently in July 2026. Your quote may vary.

Costs for renters

A standard apartment contents insurance policy will cost you €10 to €15 per month on average. Premiums vary depending on the value of your belongings, the level of cover you choose, and your claims history.

What affects the cost of apartment insurance?

The cost of home insurance for apartments depends on various factors, such as:

Whether you’re an owner, landlord or tenant

The value of your belongings

Location

Rebuild cost

Claims history

Security features

Who offers apartment insurance in Ireland?

Several Irish insurers offer apartment insurance, including:

Allianz Ireland

Aviva

AXA

RedClick

Zurich

123.ie

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Frequently asked questions

Yes, apartments above shops, restaurants or takeaways may attract higher premiums because insurers typically consider mixed-use buildings to carry a greater fire and liability risk.

If an owner fails to pay their share of the block buildings insurance premium, the entire policy may be at risk of cancellation. If you become aware of a payment issue, contact your management company.

Water leaks in apartment blocks are complicated, as the damage caused might fall under several different policies. Damage to the building may be covered by the block buildings policy, while damage to belongings is usually covered by contents insurance. 

If you’re renting, speak to your landlord or letting agent. If you own your apartment, contact your owners’ management company and your insurer straight away, as delays in reporting can affect your claim.

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