Our Insurance Guides
Mortgage Protection Insurance
A legal requirement when taking out a mortgage in Ireland. Compare providers, costs, and coverage types to find the best deal.
Home Insurance
Protect your property and contents against damage, theft, and other risks. Most mortgage lenders require this before releasing funds.
Landlord Insurance
Covers buildings, contents, rent guarantee, and loss of rent for property owners who rent out their homes.
Need Help With Insurance?
Our experts at Selectra are here to help you secure the right cover — completely free.
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This is a free call from Ireland. Selectra agents can assist you with comparing and switching energy providers on weekdays between 9 am and 5.30 pm.
What Types of Insurance Do You Need in Ireland?
The type of insurance you need depends on your situation:
- Buying a home: You will need mortgage protection insurance (a legal requirement) and home insurance (required by most lenders). Mortgage protection pays off your mortgage if you die during the term, while home insurance covers damage to your property and belongings.
- Renting out a property: Landlord insurance is not legally required but strongly recommended. It typically covers buildings insurance, contents insurance, rent guarantee, and loss of rent.
- Renting a home: As a tenant, your landlord is responsible for buildings insurance. You may want to take out contents insurance separately to protect your own belongings.
Need Help With Insurance?
Our experts at Selectra are here to help you secure the right cover — completely free.
Ad - Selectra Service
This is a free call from Ireland. Selectra agents can assist you with comparing and switching energy providers on weekdays between 9 am and 5.30 pm.
Frequently Asked Questions About Insurance in Ireland
Yes. Under the Consumer Credit Act, mortgage lenders must ensure that borrowers have adequate life cover before approving a mortgage. You are free to shop around and do not have to take out a policy with your mortgage lender.
Most lenders require buildings insurance as a condition of your mortgage. Contents insurance is optional but recommended. See our home insurance guide for more details.
While not legally required, landlords should consider buildings insurance, contents insurance, rent guarantee, and loss of rent cover. Some buy-to-let mortgages require insurance as a condition. See our landlord insurance guide.
Yes. You can switch mortgage protection insurance, home insurance, or any other policy at any time. Shopping around annually can save you a significant amount on premiums.
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