Irish Holiday Home Insurance
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Reviewed by: Helen Rolph
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Written by: Stephen Gamble
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Fact-checked by: Quotezone Editorial Team
This content follows our Editorial Guidelines
Last Updated: 29 January 2025
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Insure Your Holiday Home In Ireland Today
Get cheap insurance quotes for Irish holiday homes from across the UK
Holiday home insurance can be a large concern to owners of Irish holiday homes. It is important to make sure your holiday home in Ireland is properly insured and protected against several risks and problems that can occur.
Whether you need insurance for a holiday home let in Ireland or insurance for your own holiday home in Ireland, it is worth considering what risks there are and comparing quotes to make sure you get a competitively priced insurance quote.
Can I get regular house insurance for my holiday home in Ireland?
Most home insurance does not cover homes that are left unoccupied for more than 30 days. This can be a problem when trying to insure a holiday home in Ireland. This is why you need specialist holiday home insurance.
Is holiday home insurance a legal requirement?
You may require Irish holiday home insurance if you are letting a holiday home out for profit. If you are only planning to use the holiday home yourself there is not usually a legal requirement, but mortgage providers can have rules saying you need insurance.
Whether or not you have to get holiday home insurance for your holiday home in Ireland, it is sensible to get a proper insurance policy to avoid problems.
What are the risks of owning a holiday home?
Since holiday homes are left unoccupied there are several additional risks that do not occur with regular homes. For example, since the property is not monitored regularly, you may not notice a leaking pipe before it causes structural damage. It is advisable to insure holiday homes in Ireland to make sure these problems can be solved easily and quickly.
What does Irish holiday home insurance cover?
There are several types of insurance that you may want to get for your Irish holiday home. Not all of these will be offered as standard, but you can select options to make sure you have good insurance. This can include;
- Insurance for buildings left empty for more than 30 days
- Insurance for relatives, visitors, and paying guests
- Public liability insurance if you are letting out your holiday home
- Contents cover
Do I need liability insurance for my Irish holiday home?
Public liability insurance is designed to cover any harm or accidents that happen to members of the public while in your holiday home. This is generally advisable when you are letting out your holiday home in Ireland to members of the public. However, you may not want to consider this if it is only you and your family who use the holiday home.
How long can I leave my holiday home empty?
This varies between insurers. Some insurance policies will only insure a house that is left empty for 90 days or less. Some may not have a limit. It is important to compare quotes and offers from insurance companies to make sure that you get the appropriate insurance for Irish holiday homes.