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Bonkers Money Limited, trading as bonkers, is regulated by the Central Bank of Ireland.
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Compare quotes and purchase home insurance directly from Ireland's premier home insurance companies without broker fees on bonkers.ie. Policies are available from Aviva and Zurich.
How to get home insurance
bonkers.ie makes it easy to get great value house and contents insurance policies in Ireland.
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Tell us about you
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What you need to get started
Your Eircode
Age of your home
Home rebuilding costs
Estimated value of contents
We're trusted by over a million Irish households every year
bonkers.ie is free
Believe it or not, applying for a home insurance policy on bonkers.ie is entirely free. Unlike traditional insurance brokers, we don't charge fees.
When purchasing a home insurance policy in Ireland, it's important the policy is suited to you. Here are some things to keep in mind.
We're regulated
Bonkers Money Limited, trading as bonkers.ie, is regulated by the Central Bank of Ireland. This has been the case since 2013.
This reflects our continued commitment to providing impartial and accurate financial advice, information and services.
Why choose bonkers.ie?
The bonkers.ie home insurance platform is the only one in Ireland that allows you to compare home insurance quotes directly from leading insurers. This combines the lower prices of going direct with the time-saving convenience of a broker. Plus we don't charge fees!
After comparing prices and features, you and your details will be sent straight to your chosen insurer's checkout page so you can complete your purchase without any hassle - easy!
Things to consider
Types of cover
- There are three main types of cover:
- Buildings
- Contents
- Buildings & contents
Age of building
Additional extras
- When purchasing your home insurance cover, there will be options for a variety of add-ons to your policy, such as:
- Accidental damage
- Personal possessions
- Personal accident
- Legal protection
- Home emergency assistance
Level of cover
Excess
Cost
Cooling off period
You can cancel your policy within 14 days without penalty.
This is known as the cooling off period. Check the terms and conditions for information on potential fees.
EXPERT TIP
Review your value for money
Home insurance protects your most valuable asset — your home. But cover and costs can vary hugely between insurers. So don't just let your policy auto-renew without checking if you're getting good value.
Comparing quotes on bonkers.ie takes minutes and could save you hundreds of euro a year while still giving you the peace of mind of knowing you're properly protected.
Daragh Cassidy
Consumer Expert at
As featured on
Your questions, answered
Is house insurance compulsory in Ireland?
While not legally mandatory for everyone, buildings insurance is almost always required by mortgage lenders to protect their investment in your property. Contents insurance is optional but highly recommended to protect your personal belongings.
Do renters need home insurance in Ireland?
No, renters don't need to insure the building itself as that's the landlord's responsibility. However, contents insurance or renters insurance is recommended. This protects your personal belongings like furniture and electronics from theft or damage.
What differs between building and contents insurance?
Buildings insurance covers the rebuilding costs associated with the structure of your home and its fixtures. Contents insurance is an additional level of cover to protect your personal belongings inside the home like furniture, electronics, appliances and clothing.
How can I get the best value home insurance policy?
In order to get the level of coverage you need at the lowest price, compare quotes as different policies offer different features and premiums. Also, improve security, increase your excess if you can afford to, build a claims-free history and look for discounts like online policy purchase.
How much is the average home insurance in Ireland?
The average cost of home insurance in Ireland is approximately €430 per year. However, premiums can vary significantly, typically ranging from as low as €160 to upwards of €700. The final price you pay is influenced by a variety of factors including your home's location, its age and size, and the value of your contents.
Why is home insurance so expensive in Ireland?
Many factors contribute to this. An increase in claims related to severe weather events, such as storms, has driven up premiums. The rising cost of building materials and labour has led to higher rebuilding costs. A history of claims in your area can impact the price. Dublin tends to be the most expensive county.
Who has the cheapest rates for home insurance?
While no single provider is consistently the cheapest for everyone, some insurers are known for competitive pricing. It is recommended to obtain quotes from a variety of companies, such as Aviva and Zurich. You can compare policies from both of them directly on bonkers.ie.
What is the cheapest insurance for a house?
Home insurance can sometimes be obtained for as little as €160 per year. To secure the cheapest insurance for your house, focus on obtaining a basic policy that meets your minimum needs and consider a higher excess. Discounts are sometimes also available for bundling your car and home insurance together.
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