Home Insurance

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Your home is usually one of the largest assets you will invest in. That’s why choosing the right Home Insurance policy is so important. At Gallagher, we offer House Insurance policies that cover primary, investment, residential and holiday properties. Additionally, we cater for period property and high value Home Insurance requirements. Our team can help find the best Home Insurance best policy for you in a matter of minutes. Get a quote online or over the phone now

Home Insurance Quick Quote

We offer the following home insurance policies

  • Buildings & Contents Insurance
  • 2 or 3 Year Home Insurance Policies
  • Buildings Only Insurance
  • Non-standard risks available
  • Contents Only Insurance
  • Owner Occupied / Rental and Holiday homes, Unoccupied 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

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24 & 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

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Accidental 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.

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Frequently Asked Questions

Accidental damage cover provides additional protection for things you might do by accident in your home.

These include:

  • Spilling paint on the carpet.
  • Drilling through a pipe.
  • Hammering a nail through an electrical wire.
  • Putting a foot through an attic floor

To calculate how much you should insure your buildings for, you need to calculate the rebuilding costs of your home. This is the amount of money needed to rebuild your home from scratch.

When calculating this amount you will need to take into account the price of labour and materials as well as the cost of the site clearance. The calculation should also include any outbuildings/ sheds boundary walls located on your property.

If in doubt we recommend visiting the Society of Chartered Surveyors website and using their calculator to work out the rebuilding cost.

Contents insurance covers the financial cost of repairing or replacing your household personal possessions and furnishings, such as curtains, furniture,  TV, electrical appliances, clothing, jewellery, sporting equipment and even toys. So to get a sum to insure we would recommend going from room to room in your house with a calculator and adding up everything, this way nothing will be forgotten.

Yes, the standard home insurance policy with buildings and contents cover also extends to any outbuildings located on your property, which also includes the structure and the contents of your garage or shed. The contents that covered in your garage would be only your own DIY tools and materials.

Typically, items covered by a home contents insurance policy include furniture, clothing, electrical items like televisions and  jewellery. Contents insurance can also cover fixtures like carpets, rugs and curtains.

An excess is the first amount of any loss that you are responsible for in the event of making a claim. This amount is deducted from the total claim settlement figure.

Terms & Conditions Apply. Deposit €59.41 followed by 9 monthly repayments of €28.77. Price based 4 bed semi-detached house in Wexford, built in 2023, owner occupied with buildings cover of €311,650 and contents cover €46,747.