House & Home Insurance
We understand the importance of finding a good deal on your home insurance. That's why we've been helping people get quotes on their home insurance in Ireland since 2009. We can get you an initial quote online in two minutes and you can take out the policy in just five minutes.
What is home insurance?
Home insurance pays for repairs if fire, theft, storms, floods, or other unforeseen events damage your home. It can also help to protect your belongings if they are stolen, damaged or destroyed.
A range of different policies are available depending on the cover that you need for your home.
How to get home insurance
Quote Devil does the hard work for you to get you a home insurance quote.
Simply fill in our online quote form with some basic information about yourself, your home, and your belongings. We will then use this information to generate a quote for you which you can buy online right away.
How to save money on your home insurance
Home insurance can be complex, but it is important to understand the basics so that you can make an informed decision.
Here are some additional tips if you’re looking to get the best value from your home insurance policy:
- Read the policy carefully: Check that you have included all the correct information regarding your home and details. They need to be correct.
- Review your policy annually: Your needs may change over time, so it is important to review your policy annually. This will help to make sure that your cover still meets your needs.
- Ask questions: If you have any questions about your policy, be sure to contact us.
Types of Home Insurance
There are two main types of home insurance: buildings insurance and contents insurance.
- Buildings insurance covers the cost of repairing or rebuilding your home if it is damaged by a covered event.
- Contents insurance covers the cost of replacing your belongings if they are stolen, destroyed, or damaged by a covered event.
You can choose your level of buildings and contents cover using our online quote. You can also choose to add personal possessions cover to your quote. This can cover specified or unspecified items such as laptops, bikes or jewellery.
Frequently asked home insurance questions
Do I need home insurance?
Home insurance is an important financial protection for any homeowner. It can help you to recover financially if your home or possessions are lost or damaged by a covered event. It may also be a condition of your mortgage.
It is important to compare quotes to find the best coverage for your needs and budget, which is what we’re here for at Quote Devil.
What is contents insurance?
The best way to define contents insurance is to imagine your house was turned upside down. Your contents would be everything that would fall out!
Contents cover includes:
- Household goods such as your sofa or kitchen table and chairs
- Personal belongings
- Your television, radio, fridge freezer and other electrical appliances
- Interior decorations such as lamps and rugs
Deciding what amount to cover your contents for is based on the cost of replacing all of the above if they were totally destroyed.
Contents cover can range anywhere from €15,000 to €125,000 and above on a standard household insurance policy.
My house insurance is up for renewal - should I change provider?
We always advise that you compare quotes from multiple providers when your home insurance is up for renewal.
Quotes can vary based on what is being insured, whether you're looking for separate home, contents or buildings insurance policy or one to cover them all.
Insurers will be able to explain the key features of each policy they offer and some will even let you choose things such as varying your excess amounts. There may be optional extras such as accidental damage, emergency cover or legal protection.Most of the time brokers such as ourselves are able to get a better deal for you.
How do I make a claim on my home insurance?
First of all, check your policy to see if you are covered for the accident or incident that has occurred. If so, most insurers will have a 24 hour emergency assistance team that you can call to inform them of what has happened. They will usually arrange for someone to call out and access the damage. They may also advise you of the best thing to do in the interim, as well as help you seek alternative accommodation if your home is damaged by flood or fire.
You must notify your insurer of any incident that may give rise to a claim within 30 days of occurrence as failure to do so could result in your claim being refused.
Remember to always keep your receipts for any repair or reinstatement work as your insurer will require these to validate costs.
How does my policy excess work?
Excess is the amount you will have to pay if you make a claim on your policy. To check your excess we recommend referring to your policy documents. It’s important to note that different levels of excess may apply to certain types of claims.
What does my home insurance cover?
Different home insurance policies have different levels of cover and exclusions. We recommend checking your policy documents to see exactly what conditions are in place on your policy.
Got a question about your Quote Devil home insurance policy? Give us a call on 01 254 1300.
How does my policy excess work?
Calculating the value of your home contents is important to ensure that you are properly covered. If you over-estimate your contents, you will be paying more than you should for your insurance. Under-value your contents, and you might find yourself in a difficult position if you need to make a claim. Using our calculator will help you to think of the things in your home that need to be protected.
To estimate the value of your home contents we recommend listing out all of your personal belongings by room. Take extra care to accurately assess any high-value items. For more help, read our guide on calculating the value of your home contents.