Home Insurance Ireland
Protect your home and its belongings against damages with comprehensive home insurance. Get expert advice from Finnegan Insurance and access to Ireland's leading insurers.
Get a Quote TodayTypes of Home Insurance
Choose the right coverage to protect your home and belongings
Buildings Insurance
Offers financial protection for the unexpected expense of rebuilding the structure of your home if it is damaged.
- Covers the structure of your home
- Protects roof, walls, and permanent fixtures
- Required by most mortgage lenders
- Covers fire, flood, and storm damage
- Includes subsidence (policy dependent)
Contents Insurance
Covers your personal property within your home, should it be damaged or destroyed in an insured event.
- Protects furniture and electronics
- Covers clothing and valuables
- Theft and damage protection
- Replacement cost coverage available
- Optional personal belongings cover
Buildings & Contents Combined
Comprehensive protection combining both buildings and contents insurance with additional benefits.
- Complete home protection
- Emergency home assistance
- Liability cover up to €3,000,000
- Fire brigade charges included
- Optional accidental damage cover
What Does Home Insurance Cover?
Comprehensive protection for your most valuable asset
Natural Disasters
Protection against storms, floods, lightning, and other "acts of God"
Fire & Smoke Damage
Full coverage for fire-related incidents and smoke damage
Theft & Vandalism
Protection against burglary, theft, and malicious damage
Water Damage
Coverage for burst pipes and water-related damage
Accidental Damage
Optional cover for unexpected accidents in your home
Personal Liability
Protection if someone is injured on your property
Guide for New Homeowners in Ireland
1. Is Home Insurance Mandatory in Ireland?
Home insurance itself is not legally mandatory in Ireland. However, if you're taking out a mortgage to purchase your home, your lender will require you to have buildings insurance before drawing down the loan. This ensures that the property—the collateral for the loan—is protected against damages like fire, flood, and storm.
2. Calculating Your Rebuild Cost
One of the most critical aspects of buildings insurance is determining the rebuild cost of your home. This is not the market value of the property but the amount it would take to rebuild your house from scratch.
You can use the Society of Chartered Surveyors Ireland (SCSI) online calculator to estimate this cost, or a professional surveyor can provide a precise figure. If you're upgrading, extending