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Typical home insurance costs in Ireland
Home insurance prices vary from property to property. The exact cost of your policy will depend on your individual circumstances and the amount of cover you need.
Home insurance prices were 5.3% higher in August 2026 than they were in December 2023, according to Consumer Price Index data from the CSO. However, over the 12 months from August 2025 to August 2026, prices have fallen by 3%.
In June 2026, we contacted some of Ireland’s main insurance providers for quotes for various homes across different counties. Here are the results:
Cork County, 5 bed house
Built in 1998, 5 bed 4 bath, monitored alarm, buildings cover €400,000 and contents cover €50,000. No cover for additional contents or accidental damage. Claims free history.
Provider and cost comparison
| Provider | Cost |
|---|---|
| Allianz | €404.61 per year, excess €250 |
| Aviva | €472.47 per year, excess €275 |
| AXA | €471.55 per year, excess €350 |
| RedClick | €676.21 per year, excess €250 |
| Zurich | €430.04 per year, excess €350 |
Wexford, bungalow
Built in 2005, 4 bed 2 bath, monitored alarm, buildings cover €270,000 and contents cover €30,000. No cover for additional contents or accidental damage. Claims free history.
Provider and cost comparison
| Provider | Cost |
|---|---|
| Allianz | €355.80 per year, excess €250 |
| Aviva | €303.87 per year, excess €275 |
| AXA | €238.46 per year, excess €350 |
| RedClick | €340.97 per year, excess €250 |
| Zurich | €340.55 per year, excess €350 |
Dublin 8, terraced house
Built in 1910, 4 bed 2 bath, monitored alarm, buildings cover €370,000 and contents cover €40,000. No cover for additional contents or accidental damage. Claims free history.
Provider and cost comparison
| Provider | Cost |
|---|---|
| 123.ie | €534.83 per year, excess €250 |
| Allianz | €441.15 per year, excess €250 |
| Aviva | €1208.38 per year, excess €275 |
| RedClick | €633.46 per year, excess €250 |
| Zurich | €463.89 per year, excess €350 |
Limerick, terraced bungalow
Built in 2015, 2 bed 1 bath, standard alarm, buildings cover €200,000 and contents cover €20,000. No cover for additional contents or accidental damage. Claims free history.
Provider and cost comparison
| Provider | Cost |
|---|---|
| 123.ie | €340.27 per year, excess €250 |
| Allianz | €314.55 per year, excess €250 |
| RedClick | €303.86 per year, excess €250 |
| Zurich | €198.10 per year, excess €350 |
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Location
Insurers will consider crime rates, flood risk, and geological factors such as the likelihood of subsidence.
Age of building
Older homes, especially protected structures, often have higher rebuild and repair costs and as such, cost more to insure.
Type & size of property
Larger properties generally cost more to rebuild. Bungalows may be seen as a higher security risk due to their ground-floor windows.
Home security
Alarms, especially monitored or CCTV systems, high security locks, and fire alarms all mitigate the risk of burglary or fire in your home and can make you eligible for discounts.
Value of items
Adding cover for additional high value items to your policy will increase your home insurance cost.
Level of cover
Additional cover options such as accidental damage or ‘all risks’ cover for your possessions outside the home will increase your premium.
How can I reduce my home insurance premium?
There are ways to bring your premium down without compromising on protection. Here’s how you can pay less for your insurance and get the best deal for your home.
- Pay annually
- Increase your excess
- Avoid auto-renewing
- Develop a strong no-claims history
- Invest in home security
- Join a Neighbourhood Watch scheme
- Bundle your home and car insurance
Frequently asked questions
Yes. Most insurers allow you to change your voluntary excess, but not your compulsory excess. Increasing this will usually reduce your premium because you are agreeing to contribute more towards any future claim. You should only select an excess you could comfortably afford to pay alongside your compulsory excess if you had to make a claim.
Premiums can increase due to rising claims costs, inflation, severe weather events, higher rebuild costs, or regulatory changes.
Your rebuild cost is the amount it would cost to rebuild your home from scratch. This is different from your home’s market value and it’s what insurers use when calculating building insurance.
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