Table of Contents:

Home Insurance Quote

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

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.

As of May 2026, home insurance prices had declined by 2.8% over the previous 12 months, according to Consumer Price Index data from the Central Statistics Office.

During the week of 22 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.

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.

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.

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.

Get a free quote for home insurance

Get quotes from trusted Irish providers and find the best deal for your home today.

Factors that affect the cost

When calculating the cost of buildings and contents insurance, insurers consider a range of factors:

Buildings insurance

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.

Contents insurance

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 to reduce your premium

There are several steps you can take to keep your premium down, from boosting home security or availing of multi-policy discounts, to increasing your voluntary excess or simply shopping around to find the best deal for you. Learn more about how to lower your premium with our cheap home insurance guide.

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.

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