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Home Insurance

Know more about home insurance in Ireland so you can make an informed decision and get the most suitable policy with Paddy Compare.

Q1. What is Home Insurance and how does it work?

Buying a home is one of the biggest investments you make in your life, making it crucial to safeguard. Home insurance provides financial protection for your home and personal belongings, making sure you are secure if ever met with an unforeseeable circumstance. Most home insurance policies pay out in case the structure of your home is damaged.

Q2. Who needs Home Insurance?

While home insurance isn’t a legal requirement in Ireland, it is recommended for most people who own or rent a home and have valuable household belongings. Lenders often insist on getting home insurance if you’re looking to get a mortgage.

Q3. How much does Home Insurance cost?

The cost of home insurance depends on an array of factors like the size of your home, the amount of coverage, and the level of security measures you have taken to protect your home. In Ireland, home insurance premiums are calculated based on the rebuild cost of your home, rather than its market value.

Average Cost

€430 Per Annum

Data collected in March 2023

Q4. What are the types of Home Insurance policies?

There are five main types of home insurance policies - Home contents insurance, buildings insurance, building and contents insurance, holiday home insurance, and unoccupied home insurance. These policies are designed to suit your various needs. You should choose the one that is the best for you.

Home Contents Insurance

Two main types of home content covers to choose from - ‘new for old’ and indemnity cover.

  • This is a type of insurance policy that provides financial protection for household items.
  • Covers the cost of replacing or repairing personal possessions.
  • Covers a range of perils like fire, theft, earthquakes, and vandalism.
  • Does not cover damage due to normal wear and tear or ageing of belongings.
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Building Insurance

This type of insurance covers the physical structure of your property.

  • Protects against damage to the building caused by specified perils.
  • Includes coverage for rebuilding or repairs.
  • Recommended for owners of a house or condominium.
  • Does not cover high-risk activities such as a home-based business.
Read More

Buildings and Contents Insurance

A combined package policy that covers the structure of your home and your belongings.

  • Designed to protect homeowners and renters from financial loss.
  • Is based on the cost of rebuilding your property and replacing your belongings.
  • Helps you get a mortgage.
  • Protects you financially if someone sues you after being injured on your property.
Read More

Holiday Home Insurance

A home insurance policy to cover your secondary property.

  • Covers your second property, even if it's abroad.
  • Allows you to leave it empty for extended periods.
  • Allows you to leave it empty for extended periods.
  • Includes employer liability if you rent it out and employ anyone like cleaners.
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Unoccupied Home Insurance

Covers your home if it's left empty for 30 days or longer.

  • Covers a vacant property for between three, six, nine, or 12 months, with the option to extend.
  • Provides protection against storm damage, fires, flooding, etc.
  • Cost is calculated based on why the house is vacant and the value of the property.
  • Does not cover damage caused by contractors.
Read More

Q5. What is covered in Home Insurance?

Typically, home insurance is a combined package policy that protects the structure of your home and the contents inside it, against a range of risks. It provides cover for loss or damage caused by sudden and unforeseen events. It is important to thoroughly research the policy you choose to understand what all it includes and excludes.

What is covered

The physical structure of your home.

Property damaged in events such as fires.

Cost to repair or replace your belongings.

What is not covered

Damage caused by a resident of the home.

Damage caused due to wear and tear.

Faulty construction work or building materials.

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How can I get cheaper Home Insurance in Ireland?

Paddy Compare provides life covers in minutes. Follow these tips to make the most of your policy.


Buy buildings and contents insurance together, in a bundle, from one provider.


Pay annually for your home insurance with one lump sum, this tends to be cheaper.


Ensure you’re not over-insured or under-insured. Only pay for what you need.

What do I need to
obtain a quote?

We are dedicated to finding you the best policy, just tell us about:

Your Property Details

Your address, number of rooms, and when it was built.

The Rebuild Value

The amount it would take to rebuild your home if it was demolished.

Contents Cover Needed

The cost of replacing all the contents in your home.

The Security of your Home

If you have locks, smoke, and burglar alarms installed.

Any cohabitants

Who lives with you and when they’re home.

Previous Claims

Complete details about any claims made by you previously.

Factors affecting the premium of your Home Insurance

When calculating the final price of your home insurance, a number of components are considered


Address - Your eircode is one of the most crucial factors in your home insurance premium.


Lifestyle - Factors like whether or not you have children, or if you smoke.


Belongings - The items you own and their value.


Property structure - The structure of your home and the materials used.

Add-Ons / Optional Extras

Add ons are additional covers that can be included in your policy, at an additional price, depending on your needs. These may or may not be included in the policy plan you choose.

Accidental Damage

Covers unforeseen and unexpected damage to your buildings, contents or both.

Emergency Home Assistance

Helps you deal with emergencies such as burst pipes and electrical failures.

Audio and Visual Equipment Cover

Only applicable to contents cover, covers loss or damage to audio and/or visual contents.

Legal Protection

Pays for you and your family to pursue or defend a personal legal dispute.

New for Old Contents Cover

Helps replace belongings with a brand new item or pay the value when you bought it.

No-claims Bonus Protection

The more years you go without making a claim, the higher the discount you could get.

Personal Possessions Cover

Insure your personal belongings against loss or damage when taken outside the home.

High-Value Items

Any high-value items, such as jewellery should be listed and covered separately.

Replacement Locks and Keys

Helps cover replacing lost or stolen keys and the cost of using locksmith services.

Alternative Accommodation

Pays for you to temporarily stay elsewhere if your home is damaged by an insured event.

Credit/Debit Card Cover

Covers you in case you become legally liable for costs following the loss of your cards.

Freezer Contents Cover

Covers against unexpected situations that might ruin your frozen food.

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Why Paddy Compare for home insurance?

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