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Affordable Property Insurance Starts Here
Household premiums have been increasing over the past few years due to a rise in claims caused by adverse weather conditions such as storms, snow, and flooding. So, it’s now more important than ever to shop around. Let us do the hard work; we will compare policies to find you comprehensive cover at an affordable price. We also offer competitive quotes on mobile homes, holiday homes, and contents cover. We work with trusted insurers across Ireland to provide fair, transparent pricing. Review deals online or phone us now. Quick and easy quote comparison!
How To Get Cheap Home Insurance
Review our cost cutting tips below. These suggestions will help you get better value. It’s important to know what to look for when buying property insurance. This guide will give you a good understanding of what you can do to reduce your premium.
Rebuild Cost
Insure your property for the right amount. The current market value of your property is a reflection of what your home is worth today. When choosing the level of cover, you need to estimate the cost of rebuilding your house; this cost is usually lower than your home’s market value. Submitting the correct rebuild cost could help reduce your quote by up to 20%.
Contents Cover
Review the value of your household items yearly to confirm you are insuring your contents for the right amount. Over-insuring will cost you money, and ultimately, you are insured only for the value of replacing your items in the event of a claim. Taking out cover for the right amount could reduce your home insurance premium by up to 10-15%.
All Risks Cover
All Risks Cover is an optional benefit that protects your valuable items against theft, accidental damage & loss. Valuable items are not usually covered automatically under the contents as they are expensive. This add-on will lead to a higher premium. You must decide if you need this additional cover.
Insurance Excess
You should review the excess amount on your policy; this amount may range from €125 to €1k. By choosing to pay for a larger share of the risk, you may get a cheaper insurance quote. Generally, the higher the excess, the lower the premium. The excess is the amount you must contribute towards the claim.
Burglar Alarm
Most insurers will offer a more competitive premium if you install a monitored burglar alarm. The insurance provider may request details such as the make, model and security company.
Smoke Detector
If you do not have a smoke alarm fitted, we highly recommend installing one as it may reduce your household premium and, more importantly, it could save your life. You should also consider installing a carbon monoxide detector for your own safety.
Claims for Small Items
A good no claims history may lead to lower premiums, as you may be entitled to a no claims discount. Therefore, you should consider the cost before submitting a claim for small items. You may wish to cover minor damage yourself. Some companies may not be willing to quote if they see a high claims history. A history of claims may make it more expensive to take out a policy.
Shop Around
Know your rights; you do not have to buy property cover from your mortgage provider. Shop around for the best quote; some insurers offer special discounts for purchasing online. Always compare like with like to ensure you are getting the best deal. Compare home insurance quotes today; you may be surprised how much you can save!
Buildings & Contents Cover
Buildings Insurance
Covers the structure of your home. This generally includes doors, windows, roofs, walls, and permanent fittings such as a fitted kitchen, hardwood, and tiled floors. It may also include garages. See below for details:
- Explosion, earthquake, lightning or fire.
- Riots or vandalism.
- Alternative accommodation.
- Attempted robbery or burglary that caused damage to the property.
- Oil or water leaks from a damaged tank or burst pipes.
- Fire brigade charges. Criteria may vary.
Contents Insurance
Contents insurance protects your belongings against loss or damage. Please note there is a limit on the value you can claim for any single item, so we suggest you list expensive items separately, such as antiques, electronics or jewellery. See below for details.
- Cover for loss or damage to items on a ‘new-for-old’ basis up to certain limits.
- Accidental damage to household equipment.
- Cover for loss or damage to belongings you temporarily remove from the property. It does not generally include glass or fragile objects.
- Cover for food that has spoiled in a fridge because of a power failure or freezer breaking down.
Frequently Asked Questions
What does property insurance cover?
In Ireland, home insurance provides financial protection for your property in the event of damage or loss. Your policy will cover contents and structural damage. The plan should include contents, buildings, all risks and liability insurance. You can purchase insurance to cover a house, a caravan, a rental property and a holiday home.
What is all risks cover?
All risks cover is optional; it will cover loss or damage to valuables and personal belongings inside and outside your home. When purchasing a policy, you can decide what you want covered. All risks cover should have extensive geographical coverage for your valuables if you take these items (jewellery, laptop, etc.) on holidays or a trip outside the country. Some insurers may offer you an overall value for unspecified belongings and an option to cover individual valuables such as jewellery, i.e. engagement and wedding rings.
What is liability insurance?
Liability insurance will cover you if visitors are injured, have an accident, or their belongings are damaged while on your property. Most household insurance policies include public liability up to certain limits.
The insurance policy should cover costs, fees, or expenses that you could be legally liable to pay in certain circumstances. You should always check that contractors working in your home have public liability insurance.
How do I submit a claim?
- If you need to make a claim, firstly, check that your policy covers the risk.
- Phone the insurance claim number to confirm what has happened.
- If items have been stolen or deliberately damaged, or you have lost valuables, inform the Gardai immediately.
- Keep the damaged items, if possible, as your insurer may need to inspect them.
- Get repair estimates for the damaged items.
- You should inform the insurance company if you have a problem with a submitted claim. If you fail to get a satisfactory response after escalating your complaint, you can take it to the Financial Services and Pensions Ombudsman (FSPO)
How do I make a complaint?
If you are unhappy with an insurance company’s decision about a submitted claim, you should send a written complaint. If you are not satisfied with the outcome of this complaint, you can approach the Financial Services and Pensions Ombudsman (FSPO).
We’re 100% Irish-owned and work with trusted insurers regulated by the Central Bank of Ireland. Whether you’re looking for cheap home insurance or want to compare multiple providers in one place, we make it quick and easy. Get your quote today and see how much you could save, or call 042 935 9090.