Twitter Facebook

Helpline lo-call 1890 432 432


Cost Comparisons

Home insurance

This survey is correct as at end-August 2013. See our home insurance section to learn more about home insurance. Please read our disclaimer before you use our information. Individual brokers and online brokers are not included in our cost comparisons but our home insurance checklist will help you shop around using various sources. Remember, the cheapest quote may not always represent the most suitable product for your individual circumstances.

Profile 1

My home is a 4-bed semi-detached house in Rialto, Dublin City South. The re-building cost is €180,000 and the contents are worth €40,000.

Age of property: 55 years
Is the area liable to flooding? No
Is the area prone to subsidence? No
Previous claims: Yes*
Age of applicant: 37 years
IS199 burglar alarm fitted: Yes
Neighbourhood watch scheme: Yes
Security locks fitted on doors: Yes
Security locks fitted on windows: Yes
Smoke alarm: Yes
All risks (unspecified items): Yes~
* €3,000 for break-in in 2002  
~ €500 iphone, €1,000 laptop  

 Broker/DirectQuotationsStandard Excess1
AIG Europe Ltd.Direct€507.84€500
AllianzDirect€416.852€250
AvivaDirect€535.69€275
AXADirect€385.523€350
FBDDirect€308.884, 5€250
Liberty InsuranceDirect€310.016€250
RSA Insurance Ireland LtdBroker€516.437€5008
ZurichDirect€249.62€250

Back to Top

Profile 2

My home is a 2-bed apartment in Clonee, Dublin 15. I require contents insurance of €26,000.

Age of property: 6 years
Is the area liable to flooding? No
Is the area prone to subsidence? No
Previous claims: None
Age of applicant: 29 years
IS199 burglar alarm fitted: Yes
Neighbourhood watch scheme: No
Security locks fitted on doors: Yes
Security locks fitted on windows: Yes
Smoke alarm: Yes
All risks (unspecified items): Yes*
* €750 bicycle  
 Broker/DirectQuotationsStandard Excess1
AIG Europe Ltd.Direct€389.01€500
AllianzDirect€173.389€250
AvivaDirect€98.57€275
AXADirect€163.45€350
FBDDirect€88.2710€250
Liberty InsuranceDirect€162.7511€250
RSA Insurance Ireland LtdBroker€159.4512, 13€50014
ZurichDirect€210.96€250

Back to Top

Profile 3

My home is a 4-bed detached house in Letterkenny, Co. Donegal. The rebuilding cost is €160,000 and the contents are worth €38,000.

 
Age of property: 50 years
Is the area liable to flooding? No
Is the area prone to subsidence? Yes
Previous claims: None
Age of applicant: 64 years
IS199 burglar alarm fitted: No
Neighbourhood watch scheme: No
Security locks fitted on doors: Yes
Security locks fitted on windows: No
Smoke alarm: Yes
All risks (unspecified items): None
 Broker/DirectQuotationsStandard Excess1
AIG Europe Ltd.DirectNo quote15Not applicable
AllianzDirectNo quote16Not applicable
AvivaDirectNo quote15Not applicable
AXADirect€278.6817€350
FBDDirectNo quote15Not applicable
Liberty InsuranceDirectNo quote15Not applicable
RSA Insurance Ireland LtdBroker€396.7918€500
ZurichDirectNo quote15Not applicable

Back to Top

Profile 4

My home is a 3-bed semi-detached house in Newbridge, Co. Kildare. The rebuilding cost is €145,000 and the contents are worth €42,000.

 
Age of property: 30 years
Is the area liable to flooding? No
Is the area prone to subsidence? No
Previous claims: None
Age of applicant: 53 years
IS199 burglar alarm fitted: Yes
Neighbourhood watch scheme: No
Security locks fitted on doors: Yes
Security locks fitted on windows: Yes
Smoke alarm: Yes
All risks (unspecified items): Yes*
* ?1,000 television  
 Broker/DirectQuotationsStandard Excess1
AIG Europe Ltd.Direct€577.00€500
AllianzDirect€402.1419€500
AvivaDirect€258.3320€275
AXADirect€325.8420€350
FBDDirect€263.6721, 22€250
Liberty InsuranceDirect€265.35€250
RSA Insurance Ireland LtdBroker€336.0721, 23€500
ZurichDirect€297.50€250

Back to Top

Profile 5

My home is a 3-bed bungalow in Kenmare, Co. Kerry. The rebuilding cost is €155,000 and the contents are worth €33,000.

 
Age of property: 20 years
Is the area liable to flooding? Yes
Is the area prone to subsidence? No
Previous claims: Yes*
Age of applicant: 42 years
IS199 burglar alarm fitted: No
Neighbourhood watch scheme: No
Security locks fitted on doors: No
Security locks fitted on windows: No
Smoke alarm: Yes
All risks (unspecified items): None
* €5,000 for flood damage in 2008  
 Broker/DirectQuotationsStandard Excess1
AIG Europe Ltd.DirectNo quote24Not applicable
AllianzDirectNo quote25Not applicable
AvivaDirectNo quote24Not applicable
AXADirectNo quote24Not applicable
FBDDirectNo quote24Not applicable
Liberty InsuranceDirectNo quote24Not applicable
RSA Insurance Ireland LtdBrokerNo quote26Not applicable
ZurichDirectNo quote26Not applicable

Back to Top

Profile 6

My home is a 3-bed terraced house in Castlebar, Co. Mayo. The rebuilding cost is €140,000 and the contents are worth €28,000.

 
Age of property: 30 years
Is the area liable to flooding? No
Is the area prone to subsidence? No
Previous claims: None
Age of applicant: 49 years
IS199 burglar alarm fitted: No
Neighbourhood watch scheme: No
Security locks fitted on doors: Yes
Security locks fitted on windows: No
Smoke alarm: Yes
All risks (unspecified items): None
 Broker/DirectQuotationsStandard Excess1
AIG Europe Ltd.Direct€593.05€500
AllianzDirect€356.30€250
AvivaDirect€383.57€275
AXADirect€356.08€350
FBDDirect€282.48€250
Liberty InsuranceDirect€350.85€250
RSA Insurance Ireland LtdBroker€458.3827€500
ZurichDirect€271.53€250

Back to Top

Profile 7

My home is a 2-bed terraced house in Waterford City. The rebuilding cost is €95,000 and the contents are worth €24,000.

 
Age of property: 55 years
Is the area liable to flooding? No
Is the area prone to subsidence? No
Previous claims: None
Age of applicant: 31 years
IS199 burglar alarm fitted: No
Neighbourhood watch scheme: No
Security locks fitted on doors: Yes
Security locks fitted on windows: Yes
Smoke alarm: Yes
All risks (unspecified items): None
 Broker/DirectQuotationsStandard Excess1
AIG Europe Ltd.Direct€545.57€500
AllianzDirect€284.8028€250
AvivaDirect€214.5829€275
AXADirect€228.34€350
FBDDirect€189.315, 30€250
Liberty InsuranceDirect€233.69€250
RSA Insurance Ireland LtdBroker€343.2231€500
ZurichDirect€184.03€250

Back to Top

1. This is the first part of any insurance claim that you have to pay yourself. It is usually a fixed sum. Remember for home insurance a subsidence excess will be a much higher amount (typically €1,000).
2. The minimum amount of unspecified all risks cover allowed is €2,000, this is included for iphone and laptop.
3. The minimum amount of unspecified all risks cover allowed is €2,540, this is included for iphone and laptop.
4. All risks items must be specified.
5. If the property has not been re-wired/re-plumbed within the last 30 years FBD would not provide a quotation online - a quotation may be available via phone or branch on assessment of the age, type, condition and maintenance of the property to be insured.
6. Quote does not include all risks cover for the iphone.
7. Quote is based on unspecified all risks cover for laptop and specified all risks cover for iphone.
8. The excess for all risks (specified and unspecified) is €250.
9. Bicycle specified for €750.
10. Bicycles are not covered for all risks for new customers - this is accommodated for existing customers.
11. Quote is based on a limit of €600 cover for the bicycle.
12. Quote is based on minimum contents sum insured of €27,500.
13. Quote is based on specified all risks cover for bicycle.
14. The excess for bicycles specified under all risks is €100.
15. No quote due to area being prone to subsidence.
16. No quote as the consumer declared the area is prone to subsidence.
17. The quote provided excludes subsidence and is indicative only due to the area being prone to subsidence.
18. Quote is indicative only due to the area being prone to subsidence and not meeting minimum security requirements. The risk would need to be referred to RSA for consideration.
19. Television is specified for €1,000, however this would be already covered for accidental damage under contents.
20. Television is covered for accidental damage under household contents.
21. Quote is based on a composite rate of €145,000 buildings and €43,500 contents. The contents cover is calculated as a set percentage of the rebuilding cost (30%).
22. Television is covered under "Accidental Damage to Entertainment Equipment section up to value €1,300" whilst in the home.
23. Television is covered under the contents sum insured within the home.
24. No quote due to flood risk.
25. No quote as the consumer declared the area is prone to flooding.
26. No quote due to flood risk and not meeting security requirements.
27. Quote is indicative only as the security details do not meet minimum security requirements.
28. Quote based on minimum buildings sum insured of €120,000.
29. Quote based on minimum buildings sum insured of €130,000.
30. Quote based on minimum sums insured of €125,000 buildings and €25,000 contents.
31. Quote is based on minimum sums insured of €130,000 buildings and €27,500 contents.

Please note:

Use our jargon buster, if you need an explanation of financial terms in plain English.