Building and Contents

Home Insurance

Protect the building and all your contents from Theft, Fire or Accidental damage by insuring your house. Save an average €86 on your policy!

What different types of home insurance are available?

Looking for comprehensive, yet lowest cost home insurance can be frustrating. Instead Top Insure will help you find it, we compare home insurance from all the insurers; so whether you’re looking for personal contents cover, a buildings only policy, or a competitive non standard insurance quote to cover your flat roof, the experts at Top Insure will guarantee your insurance needs are covered.

Standard Home Insurance

Standard Home

Insurance cover for buildings & contents on a normal 2 story house or bungalow, detached or semi-d.

Landlord Insurance

Landlord Insurance

Also known as buy-to-let insurance, it covers buildings insurance to protect against structural damage.

Renters Insurance

Renters Insurance

Protect the things you own in your rented home such as clothes, furniture and electronic items.

Flat Roof Insurance

Flat Roof Insurance

Specialist cover for property with a flat roof even if it covers more than 25% of the building.

Listed Buildings Insurance

Listed Building

Considerably higher than standard cost of rebuilding a listed property means you require the best cover.

Home Business Insurance

Home Business

Not declaring you work from home can void your home insurance policy, don't get caught out.

Self Build Insurance

Self Build Insurance

Planning on building your own house or adding an extension? You’ll need self build insurance.

Unoccupied Home Insurance

Unoccupied Home

An Unoccupied Home Insurance policy is needed when a property is vacant for more than 30 days.

Timber Frame Home Insurance

Timber Frame

Timber framed property is high risk based on the cost of repair in the event of fire or water damage.

What kind of insurance cover do I need?

Three types of house insurance cover are available in Ireland when looking for an insurance quote. Each level increases the cost but protects you with a better level of cover.

Buildings Only


Protection for the structure of your property. Standard cover includes the walls, roof and floors but can also includes fixtures and fittings dependant on your policy. Always ensure your rebuild costs is up to date!

Contents Only


Contents insurance protects your belongings against theft, fire, accidental damage or other loss. Your covered for items such as clothing, furniture, household appliances and even personal electronics.

Building and Contents

Buildings & Contents

The highest level of cover is a combined buildings and contents insurance policy protecting your building against loss & damage but also the contents of your home under the home policy.

What details will I need for a home insurance quote?

We are experts at getting homeowners the cheapest quote for their home insurance but we also need accurate information from you about your home so that we can get you that cheap quote your searching for.

Property Description

Property description

Have your address to hand, your house type, such as bungalow or semi-d and the age of the property.

Value of Belongings

Value of your belongings

How much do you think your personal items such as furniture & appliances will cost to replace.

Home Locks and Alarms

Locks and alarm types

What kind of locks are fitted to your external doors and is your alarm a recognised system.

Previous House Claims

Previous claims details

Have you had previous claims on this property, for what and how much was the payout.

House Rebuild Costs

Rebuild cost of your house

Get an accurate cost for rebuilding your home. We can help with this as can a chartered surveyor.

Roof Types

Roof type

Have you got a flat roof, felt or slate, or is your roof made of thatch? Then we need to know.

Tips to reduce your house insurance cost

Irish homeowners could be saving up to €300 a year on contents insurance and property insurance by using Top Insure experts to find you the cheapest policy quote. How are just some of the best advice tips that can cut the cost of your home insurance.

Home Insurance
Avoid over-valuing your property

Insurers will only pay you the cost of rebuilding your home or the market price of replacing your contents. So if your over valuing your property or contents you are paying extra in your premium that won't benefit you when you make a claim.

Avoid unnecessary claims

Making a claim for a small amount you can lose out in the long term as it will increase the cost of your policy come renewal time. Use common sense when deciding to make a claim, if its for a few hundred euro its generally not worth claiming.

Make your home more secure

Installing smoke alarms, fitting anti-snap cylinder locks matched to deadbolts on your exterior doors and installing window locks all help reduce your policy premium. Also consider a monitored home alarm system or CCTV.

Paying your home insurance annually

Pay your home insurance policy in a single upfront payment at the time of renewal will reduce costs and paying 2 years in advance can save the homeowner up to 15%.

Home insurance guides you should read

Getting the cheapest home insurance quote can be confusing. With 1 in 5 Irish households not properly insured let the experts at Top Insure get you cheap house insurance. Relax in the knowledge we'll get you the best quote.