Home Insurance
Compare home insurance quotes with flexible 1, 2 & 3-year cover
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Home Insurance Ireland – Flexible 1, 2 & 3 Year House Insurance
Looking for home insurance in Ireland? Gallagher provides flexible house insurance policies with 1, 2 or 3 year cover. Whether you’re insuring your main residence, a rental property or a holiday home, we help homeowners find the right level of protection.
Compare home insurance quotes and secure cover designed to protect both your property and belongings.
If you’re buying your first home, explore our first time buyer home insurance options for tailored protection.
For newly constructed properties, see our new build home insurance cover designed specifically for newly built homes.
Home Insurance Quick QuoteWhy choose Gallagher for home insurance?
More Choice – 1, 2, or 3-year home insurance terms available
Personal Expert Advice – Qualified Insurance Advisors guide every decision
Specialist Properties Covered – Period homes, high-value, landlord, mobile, and unoccupied properties
In-House Claims Team – Direct access to specialists who know your policy
Flexible Payment Options – Spread costs across any policy term
Proper Coverage Advice – We ensure your buildings & contents are correctly valued
Get Home Insurance Quotes in Ireland
Comparing home insurance quotes in Ireland helps homeowners find the right cover at a competitive price. Gallagher can provide house insurance quotes for:
- Owner occupied homes
- Rental and investment properties
- Holiday homes
- Unoccupied properties
- Mobile homes
- High-value homes
Get a home insurance quote online or speak with our advisors to find the right policy for your property.
Get a QuoteHow Our Home Insurance Quotes Work
Getting a home insurance quote in Ireland with Gallagher is simple. Our advisors help homeowners compare cover options and find policies suited to their property and circumstances.
Step 1 – Provide your property details
Tell us about your home, including its location, rebuild value and security features.
Step 2 – Review available cover options
We help you compare home insurance quotes and policy features.
Step 3 – Choose the right house insurance policy
Select the level of cover that protects your home and belongings.
Start your home insurance quote today and secure flexible protection for your property.
Get a Quote
What Does Home Insurance Cover in Ireland?
Home insurance in Ireland typically includes two types of cover:
Buildings insurance
Protects the structure of your home, including walls, roof, floors and permanent fixtures such as kitchens and bathrooms.
Contents insurance
Covers personal belongings inside your home including furniture, electronics, clothing and valuables.
Most house insurance policies in Ireland protect against events such as:
- Fire and smoke damage
- Storm and flood damage
- Theft and vandalism
- Water damage from burst pipes
How Much Does Home Insurance Cost in Ireland?
The cost of home insurance in Ireland varies depending on several factors, including:
- Location of the property
- Rebuild value of the home
- Security features such as alarms
- Previous claims history
- Property age and construction type
When requesting home insurance quotes, insurers use these factors to determine the price of cover.
Comparing multiple house insurance quotes helps ensure you receive the right level of protection at a competitive price.
How to Compare Home Insurance Quotes in Ireland
When comparing home insurance quotes in Ireland, it’s important to consider more than just price.
Key things to check include:
- Buildings and contents cover limits
- Policy excess levels
- Optional extras such as accidental damage cover
- Coverage for valuables and high-value items such as jewelry and art collections
- Claims support and insurer reputation
Taking time to compare house insurance quotes helps ensure your policy provides the protection your home needs.
House Insurance Policies Available from Gallagher
- Buildings & Contents Insurance
- 2 or 3 Year Home Insurance Policies
- Buildings Only Insurance
- Policies for Non-Standard Risks
- Contents Only Insurance
- Cover for Owner Occupied / Rental Homes
- Unoccupied Home / Holiday Home policies available
Policy Features
Our team can help you choose the right Home Insurance for you
Key Care Cover & Legal expenses cover in first year
Imagine the cost of replacing your household keys and locks. Key Care covers you for replacement locks, keys and locksmith charges up to €1500 PLUS many more benefits
Get a Quote24 & 36 month Home Insurance available
Lock in the price of your Home Insurance over 24 or 36 months. You can spread the cost of your insurance while also enjoy less paper work over the duration of your policy
Request a CallbackAccidental Damage Cover available
Accidental Damage Cover is an optional extra. This covers you for sudden or unexpected damage to fixtures and fittings in your home such as Broken windows.
Get a QuoteFrequently Asked Questions
Accidental damage cover is an optional feature that can be added to your home insurance policy. It protects you against unexpected incidents that happen inside your home.
Examples of accidental damage may include:
- Spilling paint on carpets or flooring
- Drilling through a pipe while doing DIY work
- Damaging electrical wiring while hanging a picture
- Accidentally putting a foot through an attic floor
Adding accidental damage cover to your house insurance policy can help cover repair costs for incidents that happen unexpectedly in day-to-day life.
When arranging home insurance in Ireland, it’s important to insure your property for the full rebuild cost, rather than its market value.
The rebuild cost is the amount required to completely rebuild your home from scratch if it were destroyed. This should include:
- Labour and construction materials
- Site clearance costs
- Professional and architect fees
- Outbuildings such as sheds or garages
- Boundary walls and gates
For guidance, the Society of Chartered Surveyors Ireland provides an online rebuild calculator that can help estimate the correct figure.
For contents insurance, you should insure the replacement value of all personal belongings in your home. A good way to estimate this is to go room by room and add up the value of items such as furniture, electronics, clothing and personal possessions.
Most home insurance policies in Ireland extend cover to outbuildings on your property, including garages and sheds.
This usually includes:
- The structure of the outbuilding
- Tools and DIY equipment stored inside
However, cover limits may apply and some items may require additional protection. It’s always recommended to check your house insurance policy details to confirm what is included.
Home contents insurance protects the belongings inside your home against insured events such as fire, theft or certain types of accidental damage.
Items commonly covered include:
- Furniture and home furnishings
- Clothing and personal belongings
- Electrical appliances and televisions
- Jewelry and valuables (subject to policy limits)
- Carpets, rugs and curtains
If you own high-value items, you may need to list them separately on your home insurance policy to ensure they are fully protected.
A policy excess is the amount you agree to pay towards a claim before your insurer covers the remaining cost.
For example, if your home insurance excess is €250 and you make a claim for €1,000 worth of damage, you would pay the first €250 and the insurer would pay the remaining €750.
Choosing a higher excess may reduce the cost of your home insurance quote, but it also means paying more if you need to make a claim.
Most insurers offer annual house insurance policies, but Gallagher also provides 1, 2 and 3-year home insurance options.
Multi-year home insurance can offer several advantages:
- Protection from yearly price increases
- Potential savings on longer-term policies
- Fewer renewals and less paperwork
- Greater certainty about your insurance costs
This makes multi-year home insurance in Ireland a convenient option for homeowners looking for longer-term protection.