Home Insurance Ireland – Flexible 1, 2 & 3 Year Protection
Your home is one of the biggest investments you’ll ever make. That’s why choosing the right Home Insurance policy is so important. At Gallagher, we offer flexible House Insurance policies with 1, 2, or 3-year terms – while most insurers limit you to annual cover only. We insure owner occupied, rental property, investment, residential, holiday, unoccupied, mobile homes, landlord, and period properties – plus high-value homes.
Get a personalised quote online or over the phone today and secure peace of mind for your home.
Home Insurance Quick QuoteBenefits of Choosing Gallagher
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
We offer the following home insurance policies
- Buildings & Contents Insurance
- 2 or 3 Year Home Insurance Policies
- Buildings Only Insurance
- Non-standard risks available
- Contents Only Insurance
- Owner Occupied / Rental and Holiday homes, Unoccupied 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 provides additional protection for things you might do by accident in your home.
These include:
- Spilling paint on the carpet.
- Drilling through a pipe.
- Hammering a nail through an electrical wire.
- Putting a foot through an attic floor
To calculate how much you should insure your buildings for, you need to calculate the rebuilding costs of your home. This is the amount of money needed to rebuild your home from scratch.
When calculating this amount you will need to take into account the price of labour and materials as well as the cost of the site clearance. The calculation should also include any outbuildings/ sheds boundary walls located on your property.
If in doubt we recommend visiting the Society of Chartered Surveyors website and using their calculator to work out the rebuilding cost.
Contents insurance covers the financial cost of repairing or replacing your household personal possessions and furnishings, such as curtains, furniture, TV, electrical appliances, clothing, jewellery, sporting equipment and even toys. So to get a sum to insure we would recommend going from room to room in your house with a calculator and adding up everything, this way nothing will be forgotten.
Yes, the standard home insurance policy with buildings and contents cover also extends to any outbuildings located on your property, which also includes the structure and the contents of your garage or shed. The contents that covered in your garage would be only your own DIY tools and materials.
Typically, items covered by a home contents insurance policy include furniture, clothing, electrical items like televisions and jewellery. Contents insurance can also cover fixtures like carpets, rugs and curtains.
An excess is the first amount of any loss that you are responsible for in the event of making a claim. This amount is deducted from the total claim settlement figure.
- Best Value Guarantee – Secure in competitive rates for up to 3 years
- Long-Term Savings – Exclusive discounts on 2 & 3-year policies
- Rate Security – Protect yourself from yearly price increases
- Convenience – Fewer renewals, less paperwork, more peace of mind
Terms and conditions apply. Deposit €111.47 followed by 9 monthly instalments of €31.50, Annual Percentage Rate 17%. Price based on 5-bedroom bungalow, standard construction in Wexford built in 2018. Buildings Sum Insured €385,000 and Contents Sum Insured €55,000. As of 15/08/25