Compare House and Contents Insurance Quotes in Ireland 2025
Anyone who’s ever tried to get a straight answer on the cheapest home insurance in Ireland knows the feeling: one site says this provider, another says that. The reality is simpler than it seems once you know where to look. This guide pulls together the latest data from Ireland’s top comparison platforms, the Competition and Consumer Protection Commission (CCPC), and direct insurer quotes to show you exactly how to compare house and contents insurance quotes — and how much you could save.
Average annual home insurance cost in Ireland: €350 (buildings and contents combined) ·
Cheapest house insurance provider in Ireland: Varies by profile; often An Post or Zurich ·
Average contents value for a 3-bedroom house in Ireland: €35,000 ·
Top comparison sites in Ireland: Bonkers.ie, Switcher.ie, RedClick.ie ·
Potential savings using comparison sites: Up to 35% on premiums ·
Number of insurers in Ireland offering home insurance: 17+
Quick snapshot
- Average home insurance cost in Ireland is around €350 per year for combined cover (Bonkers.ie (comparison platform in Ireland))
- Average contents value for a 3-bedroom house in Ireland is €35,000 (Bonkers.ie) (Bonkers.ie (comparison platform in Ireland))
- Comparison shopping can save up to 35% on premiums (Switcher.ie (Irish price-comparison site))
- Exact ranking of cheapest insurer changes monthly and varies by individual property profile
- Future premium trends depend on weather events and reinsurance costs
- Premium trends in 2025 rose approximately 5% due to construction cost inflation, but long-term direction remains uncertain
- 2024: CCPC updated home insurance guide emphasising comparison shopping (CCPC (Ireland’s consumer protection authority))
- 2025: Premiums rose approximately 5% due to construction cost inflation (CCPC (Ireland’s consumer protection authority))
- Use at least two comparison sites before renewing (The AA (Irish motoring and insurance organisation))
- Review contents cover value annually using a calculator from The AA (Irish motoring and insurance organisation)
The snapshot above summarises the key numbers and caveats. The table below lays out the critical metrics in a structured format.
| Label | Value |
|---|---|
| Cheapest provider (2024) | An Post (based on multiple comparison site data) (An Post Insurance) |
| Average premium (combined) | €350/year (Bonkers.ie) |
| Top comparison site | Bonkers.ie (Bonkers.ie) |
| Typical contents cover (3-bed) | €35,000 (Bonkers.ie) |
| Savings potential using comparison sites | Up to 35% (Switcher.ie) |
Who has the cheapest house insurance in Ireland?
Current cheapest providers
An Post and Zurich frequently appear as the most affordable options in 2024-2025 surveys. An Post Insurance (Irish insurance provider backed by Aviva and Allianz) advertises up to €50 off when buying home insurance online. Zurich, accessed through comparison platforms like Bonkers.ie (leading Irish comparison site), is also competitive.
How to find the cheapest quote
The cheapest provider depends on your home value, location, and claims history. The AA (Irish motoring and insurance organisation) recommends comparing at least three quotes. Comparison sites show live quotes from up to 17 insurers. Quote Devil (Irish home insurance comparison service since 2009) offers a €65 discount when you buy online.
A homeowner in Dublin paying €400 for combined cover who switches to the cheapest available quote could save €140 in a single year — enough to cover a contents inventory check.
What this means: even a small shift in provider can deliver meaningful savings, especially when online discounts are factored in.
How much should I insure my house contents for in Ireland?
Contents value estimation guide
The average contents value for a 3-bedroom house in Ireland is €35,000. Contents insurance should cover the replacement cost, not the market value. Use a home contents calculator from The AA or Zurich (Irish insurer) to estimate.
Typical coverage for a 3-bedroom house
For a 3-bedroom house, €35,000 of contents cover is standard. RedClick Insurance (Irish price comparison platform) offers discounts of up to €55 for a combined buildings and contents policy.
If you underinsure by even 10%, insurers may apply average clauses and reduce your payout. Always round up your inventory.
What is the average home insurance cost in Ireland?
Average premiums by provider
A combined buildings and contents policy averages around €350 annually. Buildings-only cover is roughly €250, and contents-only around €120. Bonkers.ie shows live quotes from Aviva and Zurich. Chill Insurance (Irish comparison broker) claims to compare more insurers than any other leading provider.
Factors affecting cost
Cost varies by property age, location, and security features. CCPC (Ireland’s consumer protection authority) advises comparing at least three quotes. An Post Insurance offers an online discount of up to €50.
Lower premiums often come with higher excess or fewer perils covered. Compare excess amounts and exclusions before choosing.
The pattern: insurers compete hardest on price for low-risk profiles, so improving security features or increasing your excess can unlock better rates.
What is the best site to compare insurance rates in Ireland?
Bonkers.ie
Bonkers.ie (market leader among Irish comparison sites) says it is the only platform that lets users compare home insurance quotes directly from leading insurers. Policies are available from Aviva and Zurich. Applying is free and no fees are charged.
Switcher.ie
Switcher.ie (Irish price-comparison site) allows side-by-side comparison of cover, excess, exclusions, and total yearly cost. Users are urged not to focus on price alone.
RedClick.ie
RedClick Insurance (Irish comparison broker) offers buildings-only, contents-only, and combined cover. Maximum online discounts are €40 for buildings, €15 for contents, and €55 for both. It also caters to renters, landlords, and homeowners.
CompareInsurance.ie
CompareInsurance.ie is another platform, though less dominant. The CCPC recommends using more than one comparison site to get a full market view.
The table below compares the leading comparison platforms and direct insurers head-to-head, showing sample combined premiums and key features.
| Provider | Sample Premium (combined) | Key features |
|---|---|---|
| An Post Insurance | From €290 (with online discount) | Compares Aviva and Allianz; €50 online discount; new-for-old cover available |
| Quote Devil | From €275 (with €65 discount) | Founded 2009; compares leading insurers; €65 online discount |
| RedClick | From €300 (after €55 discount) | Max discount €55 combined; suits renters, landlords, homeowners |
| Chill Insurance | From €310 | Claims most insurers compared; checks premiums, excesses, cover levels |
Upsides
- Comparison sites surface quotes from multiple insurers in minutes
- Online discounts can reduce premiums by €50-65
- Users can compare cover features side by side
Downsides
- Not every insurer appears on every platform (e.g., AXA often missing)
- Price-focused comparisons can overlook important exclusions
- Discounts may expire or apply only to first-year policies
What not to tell your insurance company when making a claim?
Common mistakes when filing a home insurance claim
- Never admit fault or speculate on the cause of damage. Let the investigation determine liability.
- Do not disclose minor details that could be misconstrued as negligence (e.g., “I think the door was unlocked”).
- Always provide an accurate inventory of lost or damaged items. Understating or overstating can invalidate the claim.
Statements that can invalidate your claim
Phrases like “it was an accident” or “I’m not sure” can be used against you. Stick to facts. If you’re uncertain, say so without speculation. Switcher.ie advises checking policy exclusions before filing.
What this means: every word you say to your insurer becomes part of the claims record, so sticking to documented facts protects your payout.
We are the only home insurance comparison platform that lets users compare quotes directly from leading insurers like Aviva and Zurich.
— Bonkers.ie representative (Bonkers.ie (Irish comparison site))
Users should compare more than just price – check cover, excess, exclusions and total yearly cost before choosing a policy.
— Switcher.ie representative (Switcher.ie (Irish price-comparison site))
For any homeowner in Ireland, the decision is clear: use at least two comparison sites, check cover details, and review your policy annually – or risk overpaying by hundreds of euros.
fbd.ie, reddit.com, choice.com.au, compareinsurance.ie, anpostinsurance.ie, moneyguideireland.com
Frequently asked questions
Can I get buildings and contents insurance from the same provider?
Yes, most Irish insurers offer combined buildings and contents policies, often at a lower premium than two separate covers.
Does contents insurance cover accidental damage?
Some policies include accidental damage as an optional add-on. Check your policy wording; basic cover may not include it.
How often should I review my home insurance policy?
Review your policy annually, especially when your policy renews. Changes in home value or contents may require adjustments.
Is home insurance mandatory in Ireland?
No, home insurance is not legally required. However, mortgage lenders usually insist on buildings insurance.
What is the difference between new-for-old and indemnity cover?
New-for-old replaces items at current replacement cost; indemnity deducts depreciation so you only get the item’s current value.
Does a home insurance claim affect my premium?
Yes, making a claim can increase your premium at renewal. Some insurers offer no-claims discounts.
How do I file a home insurance claim in Ireland?
Contact your insurer or broker as soon as possible. Provide a detailed inventory and evidence (photos, receipts). Do not admit fault.
Are there any discounts for home insurance in Ireland?
Yes, many providers offer online discounts (e.g., up to €65 on Quote Devil, €55 on RedClick). Installing security alarms can also reduce premiums.
Related reading
- AA Roadside Assistance 0800 Number — The AA also provides home insurance guidance in Ireland.
- Best Household Budgeting Apps — Budgeting tools that help manage insurance costs.
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