Home Insurance Costs in Ireland: 2024 Guide

What You’ll Pay & What Drives the Price

Average annual premium (2022, Central Bank): €559. But your quote depends on:

Key Factors

• Property type: House > apartment > mobile home.
• Location: Dublin (higher crime/flood risk) > rural.
• Construction: Timber/thatched > brick/concrete.
• Size & rebuild value: Larger, pricier = higher premium.
• Coverage level: Buildings + contents > buildings only.
• Security: Alarm, locks, smoke detectors lower cost.
• Claims history & excess: Higher voluntary excess = lower premium.

Money-Saving Tips

• Compare 3+ quotes (bonkers.ie, compare.ie, direct).
• Bundle home + car insurance.
• Increase excess (if affordable).
• Upgrade security (alarm, 5-lever locks).
• Improve resilience (storm shutters, roof maintenance).

Read policy exclusions carefully—frost, wear/tear, gradual damage often excluded.