Home Insurance Quotes Ireland: Compare Providers & Save

What is the cheapest company for home insurance?

There is no single cheapest insurer across Ireland — premiums depend on your property type, location, and cover level. But comparing quotes side by side is the only way to find the best deal for your.

How do I find the cheapest home insurance company?

• Check comparison sites like Bonkers.ie (market-leading price comparison platform) and Chill.ie (widely used aggregator).
• Direct quotes from insurers such as Aviva (Ireland’s leading general insurer), Allianz (multinational insurer with strong Irish presence), and Zurich (major provider of home cover).
• bed detached house in Galway (€375k rebuild) saw quotes ranging from €638 (Zurich via One Big Switch discount) to €926 (AXA) — a €288 (Money Guide Ireland (comparison authority)).

What factors make a cheaper?

• Insurers with lower administrative costs (often direct online providers) can offer keener prices.
• Companies that bundle home and auto policies frequently give discounts — Allianz (multi-policy discount specialist) is one example.
• Newer entr using promotional codes (e.g., Zurich via One Big Switch) can temporarily undercut market rates.

What is the average cost of insurance in Ireland?

Irish homeowners pay a median premium of about €430 annually, but the spread is wide — from a low of €160 up to €700 for standard homes, and over €1,000 for higher-risk properties.

What is the typical range?

• According to Bonkers.ie (comparison leader), most premiums fall between €160 and €700 per year.
• The exact figure depends on rebuild value, contents sum insured, and optional extras.
• A 4-bed detached house with rebuild in Galway attracted quotes from €638 (Zurich) to €926 (AXA) in April 2026 (

  What information do I need?

  • Rebuild cost of your home (not market value) — check your mortgage statement or use the SCSI rebuild calculator (Society of Chartered Surveyors Ireland).
  • Contents valuerough inventory of possessions (typical cover of €35k–€75k).
  • Security features: alarm, locks, CCTV.
  • Claims history for the last 3–5 years.

  How do I compare quotes?

  • Use at least two comparison sites — Bonkers.ie and Compare Insurance Ireland (aggregator listing 17 insurers) — then check direct insurers
  • with like: same excess, same cover limits, same optional extras.
  • Apply online discounts where available — Allianz (10% online discount) and Aviva (20% online discount) are common.

  What discounts are available?

  • Online application: up to 20% (Aviva).
  • Multi-policy (home + carsp;15% from Allianz (bundle specialist).
  • Claims-free discount: usually 10–20% after 3–5 years without claim.
  • Security features: alarms, deadlocks, monitored systems can reduce premium by 5–10%.
  The upshot

  A homeowner in Waterford with a good alarm, a claims-free record, and willingness to buy online could shave €150–€200 off a €500 premium — that’s a 30–40 reduction simply by the quote process.

  Is AXA good for home insurance?

  AXA is a well-known player in Ireland, but the price pict The most expensive among six competitors (Money Guide Ireland). Yet AXA also offered a competitive €176.38 for a different property profile (Compare Insurance Ireland).

  What are AXA’s coverage options?

  • Combined buildings and contents, or separate policies.
  • Optional legal protection, home emergency cover, and garden cover.New-for-old on contents and buildings reinstatement.

  How does AXA compare to other providers?

  • Against and Aviva (€684) for the same Galway property, AXA was €288 and €242 more expensive respectively.
  • On another property (Property 1 on Compare Ireland), AXA was the cheapest at €176.38, beating Aviva at €280. href=”https://compareinsurance.ie/home-insurance/home-insurance-quotes/” target=”_blank” rel=”follow”>Compare Insurance Ireland).
  • Conclusion: AXA can be both the cheapest and the most expensive depending on your speand risk profile.

  The catch: Never assume one brand is universally cheap or expensive personal quote is what matters. Always run AXA through a comparison alongside Zurich, Aviva, and Allianz.

  class=”noopener””aria-label=”C to ratio” data-zw Data Original=”Ben Marcel 22″ data-zw-string=”true”>What not to insuran>

  What you say — and say — to your insurer directly affects your premium and claim outcome. These are the rules Irish homeowners should follow.

  What information avoid sharing?

  Never admit fault or speculate on the cause of damagespeak.

  – avoidvolunteering unrelated details (e.g., “the pipe burst because I was away”

  Don’t exaggerate the value of contents or the severity of damage.

How to handle

• Report incidents promptlymost within days
What to watch

Misrepresenting your property’s security features or failing to disclose a previous claim can lead to policy void or claim rejection. Irish insurers share claim data through the Irish Insurance Federation — honesty is the only safe route.