Table of Content
Who offers home insurance in Ireland?
| Insurer | Property 1* | Property 2** | |
|---|---|---|---|
| AIG | €420.40 | €954.96 | |
| Allianz | €254.46 | €855.62 | |
| Aviva | €280.28 | €818.09 | |
| AXA | €176.38 | €868.67 | |
| FBD | €375.48 | €599.22 | |
| KennCo | €784.91 | €1582.31 | |
| Liberty | €339.18 | €1,281.81 | |
| Royal London | €413.11 | €971.22 | |
| RSA | €356.06 | €1,856.73 | |
| Zurich | €254.35 | €746.19 |
* 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.
Quote data accurate as of April 3rd 2023
AXA Insurance
AXA is one of Irelands oldest and largest insurance companies. They offer motor, farm, small business, and home insurance including renters insurance, holiday home insurance, and landlord insurance. They have a branch network of 24 branches in Ireland and will assist customers in branch if this is more convenient for them.
How much does home insurance cost?
Many factors will affect your home insurance costs
Where your home is located?
The area in which the home is located will affect the price of home insurance. Some areas are prone to flooding and/ or subsidence eg. Cork City. Lower crime areas will typically be cheaper to insure.
The value of your home?
The value of your home. The rebuild cost of your home is not the same as the market value of your home but its size, design, and the building materials required will affect its rebuild value.
Rebuild costs?
Rebuilding costs will vary between for example Dublin and rural areas. Period properties, bespoke designs, or protected structures/ listed buildings will be more expensive to insure.
Claims history?
Your claims history will affect your premium. Having made previous claims will typically affect your no claims discount.
Level of cover?
The level of cover you choose. Additional extras such as accidental damage or new for old rather than indemnity cover will affect the price of your premium.
Excess amount?
An excess is the amount you will pay out of pocket before the home insurance policy will cover the cost of your claim. An Post specifically offers reduced home insurance premiums if you are willing to pay a higher excess. The level of voluntary excess you choose will typically affect the price of your premium. However, be wary as if you need say €3,000 worth of repairs and your excess is €1000, that is a significant amount to pay out of pocket for a sometimes very modest saving.
Security measures?
Any security measures you have eg. burglar, carbon monoxide or smoke alarms may bring down the price of your home insurance premium.
Contents value?
The value of your contents, as well as optional extras eg jewellery, sports equipment etc. will affect the price you pay. Insuring individual items with high value will increase the price of your home insurance premium as will adding all risks cover for items outside the home.
If it’s unoccupied?
Whether or not your house is unoccupied either during the day or for more than 30 days a year.
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Types of Home Insurance Cover
How to compare home insurance accurately?
Home Insurance Discounts & Deductibles
All insurance providers offer a no claims bonus following a number of years claims free. FBD offer up to 50% no claims discount following 5 years claims free.
Most insurance providers offer an online discount for arranging cover online. Zurich offer up to 29% discount for arranging home insurance cover online.
Most insurance provider offer a discount for having another policy eg. car insurance with them. AIG offer a 20% discount on home insurance if your car is insured with them.
Some insurers offer discounts for having an alarm fitted. AXA offer a careful home owners discount of 10% on house insurance if you have an approved working alarm.
Zurich offers a discount for taking out a multi year policy with them .
Insurance bundles – many home insurers offer discounts for having multiple policies with them.
Allianz offer a multi policy discount if you get a quote from them, AXA offer a 5% discount if you have a motor policy with them, Zurich offer a 5% discount if you have an existing policy with them.
AIG offer 20% discount on home insurance if purchased with car insurance, FBD offers a 10% discount if you have more than 3 properties insured with them, Liberty Insurance offers a 10% discount on landlord insurance if you insure your home with them.
How to reduce the cost of home insurance?
Shop around. Be willing to review your cover regularly, ideally annually. Insurers will typically increase premiums every year for loyal customers. Also, your home insurance cover needs may change eg. building an extension, purchasing that fancy piece of sports equipment. Our online assessment will help to make this process easy and will provide quotes for the right level of cover for you.
Buy Online. Insurers will offer sometimes significant special discounts for arranging cover online.
Having a no claims discount can significantly reduce the cost of your home insurance, sometimes up to 50%.
Pay annually. Some insurers will charge more for insurance that is paid for monthly. Some insurers ( Zurich) are beginning to offer multi year insurance products which can offer savings.
Improving home security eg. installing a monitored home or burglar alarm or specific door locks can decrease the price of your premium, although these can be pricey to install and an alarm may incur a monthly fee also.
Insulate water pipes, install good quality locks, install a smoke alarm – these will all help to reduce the price of your premium.
Bundle policies eg. motor and home insurance, or home and holiday home insurance.
Don’t buy an optional extra if you do not need it eg. paying for all risks cover for a laptop as well as gadget insurance.
How often should I shop around for home insurance?
It is a good idea to review your policy every year when your annual premium is due rather than just automatically renewing. Insurers do not always offer loyalty discounts and policies and prices offered may change over time. It is also a good idea to make sure that you are not over or underinsured.
Underinsurance can be an issue with increases in the cost of living but over insurance also comes with paying for extras that you may not need.
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