Home Insurance for First-Time Buyers
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Flexible protection for your first home
Buying your first home is one of the biggest financial commitments and investments you’ll ever make. The right Home Insurance will protect your property from the moment you complete your purchase and give you piece of mind knowing your home is fully protected. At Gallagher, we support first-time buyers with clear, practical advice and access to a range of home insurance options.
We work with leading insurers in Ireland to arrange buildings and contents insurance that meets lender requirements and reflects your needs as a new homeowner. Our advisors guide you through the process, helping to ensure your cover is suitable and in place when you need it.
Home Insurance Quick QuoteBenefits of Choosing Gallagher
More Choice – 1, 2, or 3-year home insurance terms available
Personal Expert Advice – Qualified Insurance Advisors guide every decision
Specialist Properties Covered – Period homes, high-value, landlord, mobile, and unoccupied properties
In-House Claims Team – Direct access to specialists who know your policy
Flexible Payment Options – Spread costs across any policy term
Proper Coverage Advice – We ensure your buildings & contents are correctly valued
We offer the following home insurance policies
- Buildings & Contents Insurance
- 2 or 3 Year Home Insurance Policies
- Buildings Only Insurance
- Policies for Non-Standard Risks
- Contents Only Insurance
- Cover for Owner Occupied / Rental Homes
- Unoccupied Home / Holiday Home policies available
Policy Features
Our team can help you choose the right Home Insurance for you
Key Care Cover & Legal expenses cover in first year
Imagine the cost of replacing your household keys and locks. Key Care covers you for replacement locks, keys and locksmith charges up to €1500 PLUS many more benefits
Get a Quote24 & 36 month Home Insurance available
Lock in the price of your Home Insurance over 24 or 36 months. You can spread the cost of your insurance while also enjoy less paper work over the duration of your policy
Request a CallbackAccidental Damage Cover available
Accidental Damage Cover is an optional extra. This covers you for sudden or unexpected damage to fixtures and fittings in your home such as Broken windows.
Get a QuoteFrequently Asked Questions
Buildings should be insured for the full rebuilding cost of the property, not the purchase price. This includes labour, materials, site clearance and permanent structures such as garages, sheds and boundary walls. Rebuild calculators from the Society of Chartered Surveyors Ireland can help estimate this amount.
Contents insurance is optional but recommended once the home is furnished. It covers personal belongings such as furniture, appliances, clothing and electrical items against insured events.
Contents cover may extend to outbuildings such as garages or sheds, typically for personal items like DIY tools and materials, subject to policy terms and limits.
An excess is the amount you pay towards a claim. This amount is deducted from the final settlement figure if a claim is made.
Some insurers offer 1, 2 or 3-year home insurance policies, subject to underwriting criteria and policy conditions. If you would like more information, please ask our team of advisors.
- Best Value Guarantee – Secure in competitive rates for up to 3 years
- Long-Term Savings – Exclusive discounts on 2 & 3-year policies
- Rate Security – Protect yourself from yearly price increases
- Convenience – Fewer renewals, less paperwork, more peace of mind
Terms and conditions apply. Deposit €111.47 followed by 9 monthly instalments of €31.50, Annual Percentage Rate 17%. Price based on 5-bedroom bungalow, standard construction in Wexford built in 2018. Buildings Sum Insured €385,000 and Contents Sum Insured €55,000. As of 15/08/25