Home insurance
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Save up to 35% on your home insurance*

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*Applies to new home polices only. Up to 25% No Claims Discount for 5 or more consecutive years claims free plus up to 10% Online Discount. Maximum cover discounts apply: Buildings €40, Contents €15, Buildings & Contents €55. Subject to minimum premium & applied before optional covers. Acceptance criteria, terms and conditions apply.

4.2/5 RedClick Score

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Helping you protect your home

Buildings insurance

Affordable and fair home insurance, with all the benefits you need to feel secure.

Contents insurance

Your belongings and favourite objects.
All perfectly protected.

Buildings & contents insurance

Get a protection package for your home that will cover you, should the worst happen.

Emergency Home Repair

Our Home insurance policies include Emergency Home Repair cover as standard. Giving you up to 4 callouts a year and up to €260 per callout to cover emergency repair costs.*

*Emergency Home Repair cover applies to Building & Contents policies only. Acceptance criteria, terms and conditions apply.

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Check all cover and benefits of your home insurance

Every home is precious. We know that at RedClick.

We currently offer three types of home insurance cover: Buildings only, Contents only, and Buildings and Contents.

coverages	BUILDING	CONTENT
Emergency Home Repair (applies to policies that have both buildings and contents covered only) Read more We will cover the cost of the call-out, labour, and materials needed for emergency repairs, for: plumbing, blocked drains and toilets, internal electrics, roof damage, external glass and locks and keys up to a maximum of €260 for each emergency, up to four call-outs per year. If you have both buildings and contents cover with RedClick, you will automatically receive Emergency Home Repair on your policy. This means if there is an emergency in your home, we can provide help 24 hours a day, 365 days a year. Emergency Home Repair Freephone number: 091 501 688 For full terms and conditions, please refer to our Policy Booklet, which can be downloaded below.	Y	Y
Emergency Home Repair 24-Hour Helpline Read more The emergency home repair helpline puts you in touch with reputable tradespeople (such as a plumber or electrician) in the event of an emergency in your home. You can call us any time on 091 501 688. You will have to pay any charges from the tradespeople called out to help you, unless the cost is covered by Emergency Home Repair on your policy. For full terms and conditions, please refer to our Policy Booklet, which can be downloaded below.	Y	Y
Loss of Rent or Cost of Alternative Accommodation Read more If your private home becomes unhabitable because of loss or damage caused by any of the insured risks, we will pay the reasonable cost of renting similar accommodation for the period you cannot live in your home (up to 15% of the sum insured). If your rented property becomes unhabitable because of loss or damage caused by any of the insured risks, we will pay the amount of rent you would have received if your home was let or the rent for which you as a tenant are legally responsible. We will not pay more than 15% of the buildings and/or contents sums insured. For full terms and conditions, please refer to our Policy Booklet, which can be downloaded below.	Y	Y
Accidental Damage Read more Accidental Damage is an optional extension to the buildings and contents cover which covers accidental loss or damage to buildings and contents subject to the terms, conditions, and exclusions of the policy. Not available for holiday homes or landlord policies. For further information, please refer to the Policy Booklet which can be downloaded below.	Optional	Optional
Fire Brigade Charges Read more We will pay up to €2,000 for fire brigade charges as a result of any incident insured by your policy. For full terms and conditions, please refer to our Policy Booklet which can be downloaded below.	Y	Y
New for Old Contents Cover Read more In the event of a home insurance claim, if your belongings cannot be repaired, we will cover the cost of replacing them with brand new ones. Very often, items like flooring, bedlinen, and clothing are subject to a ‘wear and tear’ clause by insurers. We do it differently, with no wear and tear deduction from your claim payment, because we think that's home insurance as it should be. For full terms and conditions, please refer to our Policy Booklet which can be downloaded below.	X	Y
Public Liability Read more We cover damages that you are legally liable for as the owner of the building for accidents which happen during the period of insurance. We will pay up to €2,600,000 for any one event. For full terms and conditions, please refer to our Policy Booklet which can be downloaded below.	Y	X
Access for Repairs Read more We will pay up to €650 to remove or replace any part of the buildings necessary to repair any fixed domestic water or heating installation where water or oil has escaped. For full terms and conditions, please refer to our Policy Booklet which can be downloaded below.	Y	X
All Risks Read more Specified Items: Covers individual items you specify Unspecified Items: Personal belongings up to the selected limit (max €1,500 per item) outside the home (anywhere in Europe and up to 60 days in any one period of insurance for the rest of the world). Not available for holiday homes or landlord policies. For full terms and conditions, please refer to our Policy Booklet which can be downloaded below.	X	Optional
Replacement Locks up to €650 Read more We provide cover, up to €650, for the cost of replacing locks to any outside door of the home if the keys have been stolen from the home or stolen from a member of your household during an assault. For full terms and conditions, please refer to our Policy Booklet which can be downloaded below.	X	Y
Pedal Cycle Cover Away From the Home Read more This extension covers pedal cycles and accessories on them up to €600 for loss or damage away from the home for each cycle. If you have purchased additional pedal cycle cover, this limit is increased up to €1,500 with full details shown in your schedule. We do not cover any bicycle left unattended and unlocked away from the home, outbuildings or boundary. Electric bicycles and e-scooters are also excluded from loss or damage under this section. We don't cover the first amount of the claim, as shown in the schedule as ‘Pedal cycles’ excess of €125 applies to this section of the policy. For full terms and conditions, please refer to our Policy Booklet which can be downloaded below.	X	Y
Personal Liability Read more We cover damages that you are legally liable for as the occupier or property owner, or in your personal capacity anywhere in the Republic of Ireland, Northern Ireland, Great Britain, Isle of Man, Channel Islands or elsewhere in the world in the course of a visit not planned to last more than 60 days in a row. We will pay up to €2,600,000 for any one event. For full terms and conditions, please refer to our Policy Booklet which can be downloaded below.	X	Y
Title Deeds Cover up to €750 Read more We will cover the costs to prepare new title deeds up to a maximum of €750 if they are lost or damaged by an insured peril. For full terms and conditions, please refer to our Policy Booklet which can be downloaded below.	Y	Y
Visitors’ Personal Belongings up to €1,000 Read more We will cover up to a maximum amount of €1,000 for the loss or damage to visitors' property by an insured peril. For full terms and conditions, please refer to our Policy Booklet which can be downloaded below.	X	Y
Frozen Foods up to €700 Read more This extension covers the contents of a deep freeze or refrigerator if they are spoilt, up to €700 unless we say otherwise in the schedule. For full terms and conditions, please refer to our Policy Booklet which can be downloaded below.	X	Y
Loss of Heating Oil up to €750 Read more We will cover you for loss of heating oil up to the value of €750 as part of your contents cover. For full terms and conditions, please refer to our Policy Booklet which can be downloaded below.	X	Y
Money up to €500 & Credit Cards up to €1,500 Read more Our house insurance cover includes €1,500 for credit and debit card theft and fraud. We’ll also cover any personal money in the home. Personal cheques, traveller’s cheques, postal and money orders, current postage stamps, national savings stamps and certificates, Premium Bonds or travel tickets are all covered up to a total of €500. This extension insures: a) Personal money within the home, held for private purposes including current coin and banknotes, cheques, traveller’s cheques, postal and money orders, current postage stamps, national savings stamps and certificates, Premium Bonds, travel tickets and trading stamps up to a total of €500 (unless we say otherwise in the schedule in any one period of insurance); and b) Amounts which you may legally have to pay under the terms of any credit card or cash dispenser card as a result of losing that card and it then being fraudulently used (up to €1,500 unless we say otherwise in the schedule in any one period of insurance). For full terms and conditions, please refer to our Policy Booklet which can be downloaded below.	X	Y
Jury Service Cover: €25 per day, up to €700 Read more We will pay you, your spouse/civil partner or co-habitant €25 per day up to a maximum of €700 for attending Jury Service. For full terms and conditions, please refer to our Policy Booklet which can be downloaded below.	X	Y
Fatal Injury Benefit: €5,000 Read more We will pay €5,000 if you, your spouse/civil partner or co-habitant die as a result of an injury in the home caused by fire or an assault by intruders. We will only pay this benefit if you or your husband, wife, or partner (or both of you) die within 90 days of the incident. For full terms and conditions, please refer to our Policy Booklet which can be downloaded below.	X	Y
Wedding and Christmas Gifts Read more We increase contents cover by 10% for these occasions for FREE. (Increased by 10% of Contents sum insured) The Contents sum insured is automatically increased by 10%: a) During the month of December only, to cover gifts and extra food and drink for the Christmas season; or b) During one month before and one month after your wedding day or the wedding day of a member of your household, to cover wedding gifts. For full terms and conditions, please refer to our Policy Booklet which can be downloaded below.	X	Y
Home Office Equipment Read more We will provide cover under the insured perils for home office equipment such as personal computers, monitors, laptops, tablets, printers and phone equipment (excluding mobile phones and equipment supplied by or at the request of an employer or in relation to any business purpose) up to €3,500.	X	Y
Home Electric Vehicle Charging Points Read more We will cover accidental damage to your home electric vehicle charging point once installed within the boundaries of your home. For full terms and conditions, please refer to our Policy Booklet which can be downloaded below.	Y	X

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Multi-Policy Discount

Do you and your partner/spouse have a RedClick policy?

Having more than one active policy with us means you can save up to 10% more.

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Home insurance that just clicks.

Are you renting a house or are you a first-time buyer?
We have home insurance that suits you

First-time buyer

If you're buying your first house, home insurance is highly recommended. But you don't have to get it from your mortgage provider. At RedClick, we offer you great home insurance benefits as a first time buyer.

Get your home insurance quote and save up to 35% on your cover*. That's RedClick.

First-time Buyer

Landlord insurance

Being a landlord can be a challenging task. At RedClick, we can guarantee the best solutions to protect your properties and contents in case of fire or belongings damage, among others.

Get a custom-built policy covering only buildings or both buildings and contents.

Landlord insurance

Renters insurance

Just because you're renting a house, it doesn't mean you don't have precious belongings that need to be protected.

At RedClick, we offer a range of insurance cover options for people living in rented properties like an Emergency Home Repair 24hr Helpline or a Replacement Locks service.

Buy a contents insurance policy for renters at an affordable price, so you don't get left out of pocket.

Renters insurance

RedClick Club

Your new customer rewards programme and our way of saying 'Thank You!'

*Terms and conditions apply.

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Managing your home insurance policy can be so simple

At RedClick, we know that in real life, not everything goes to plan.

That's why in only a few minutes, you can pay for your renewal or access all the documentation you need and save both money and time.

That's RedClick.

Policy management

See what our customers say

4.2/5 RedClick Score

I had an issue due to some incorrect information on their side but by God did they get it resolved! AnnMarie was incredible and stayed on after her say had finished tk make sure I was sorted. Everyone I spoke to was lovely and honestly couldn't have been nicer.

Grace Larkin

06 / 03 / 2026

I’m writing this message because I would like to share a very positive experience I had during a phone call while arranging my insurance. The person I spoke with was extremely professional, helpful and patient throughout the whole process. I especially appreciated the understanding shown, as the consultant had to wait and call me back a few times. Despite that, he remained polite, friendly and very supportive. The level of customer service was truly impressive. Thank you very much for the help, and congratulations on having such a professional team. Of course the price was satisfactory :D Kind regards.

Krzysztof Mosler

06 / 03 / 2026

Red click came in 100 euros cheaper than my own insurance and I get a 40 euros retail voucher very easy to change over they did all the work I'm delighted with my new insurance thank you red click

Andrew cashman

06 / 03 / 2026

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Frequently asked questions about home insurance

We're here to help with any questions you have about our home insurance policies.

How long are quotes valid for?

What is underinsurance?

Underinsurance refers to a situation where a property and/or its contents is insured for less than the cost to rebuild, reinstate, or replace them. This usually occurs when rebuild costs or the value of your contents are underestimated on your home insurance policy.

At RedClick, we want to help protect your future by giving you the information you need so that your home is insured correctly.

You can reduce the risk of underinsurance by:

• Making sure your rebuild value is accurate and up to date

• Regularly reviewing the value of your contents, especially after buying new items or making home improvements

• Using reliable tools or professional assessments to estimate costs

For more guidance, visit our underinsurance page or read our articles on "Underinsurance Explained" and our guide on how to calculate your home rebuild costs.

What are valuables in home and contents insurance?

Our contents insurance provides cover for valuables such as jewellery, precious metals, watches, photographic equipment, works of art, antiques, furs, musical instruments, and collections of stamps, coins, medals or curios.

Any individual item worth more than €3,000 must be listed separately on your home insurance policy.

If you only need cover for these items while they’re in your home, you can list them as High Value Items.
If you would like the cover to extend to outside the home, the item must be specified as an All Risks Item.

Full details are available in our policy booklet.

Read our article on tips for storing, insuring and cleaning your jewellery.

What is Emergency Home Repair

Emergency Home Repair comes as standard on all policies that have both buildings and contents cover.

With Emergency Home Repair, you're covered for emergency repairs for:

Plumbing
Blocked drains and toilets
Internal electrics
Roof damage
External glass
Locks and keys

So if something happens, like a blocked drain or roof damage, you’ll be happy to know you’ve access to qualified tradesmen 24 hours a day, 365 days a year. You'll be covered up to €260 for each emergency and up to four emergencies within the insurance year.

Check your Policy Booklet for more information or go to https://www.redclick.ie/emergency-home-repair