Your Holiday Home in Ireland Well Insured
Ireland, the Emerald Isle, is a dream destination for one second home. From the spectacular Wild Atlantic Way to the green hills of County Kerry, from the rugged coast of Donegal to the charming villages West Cork.
A Dutch holiday home insurance offers important benefits for your Irish cottage or holiday home: All-risk coverage including storm damage, Dutch service without a language barrier and simple claims handling via a single point of contact.
It Atlantic climate of Ireland regularly brings storms and heavy rainfall. Good insurance with comprehensive insurance storm coverage is therefore essential for your investment.
Where is your holiday home located?
County Kerry
Ring of Kerry, Killarney National Park and Dingle Peninsula. The most popular region for holiday homes.
Connemara & Galway
Wild mountains, lakes and pristine coastline. Authentic Irish cottages with Atlantic views.
West Cork & Clare
Cliffs of Moher, The Burren en de "Irish Riviera". Culinaire hotspots en pittoreske dorpen.
🇮🇪 Also Insured in Other Regions
In addition to the popular regions, we insure holiday homes throughout Ireland:
- ✓ Donegal: Rugged northwest coast, beaches and mountains
- ✓ Mayo & Sligo: Croagh Patrick, Yeats Country
- ✓ Wicklow: Wicklow Mountains, "Garden of Ireland"
- ✓ Dublin area: City apartments and coastal cottages
What is insured?
Fire & Explosion
Damage due to fire, explosion, lightning strike and soot deposits.
Storm & Wind
Essential in Ireland: damage from Atlantic storms and winds.
Water damage
Leakage, pipe burst, precipitation and flood damage.
Burglary & Theft
Theft with signs of forced entry and vandalism by third parties.
Glass breakage
Breakage of windows, doors, windows and sun blinds.
liability
Homeownership and damage to third parties up to €500,000.
🌊 Storm damage: Essential in Ireland
Ireland's Atlantic location causes frequent storms, especially in autumn and winter. Comprehensive storm coverage is crucial:
- ⚠️ Atlantic storms: Wind speeds up to 150 km/h on the west coast
- ⚠️ Roof damage: Loose roof tiles, leaks and damaged chimneys
- ⚠️ Trees: Fallen trees causing damage to homes
- ⚠️ Floods: Heavy rainfall and coastal flooding
- ✓ All-risk coverage: Storm, hail and precipitation are insured as standard
💡 Homes on the Wild Atlantic Way have an increased storm risk. Check your coverage!
🇳🇱 vs 🇮🇪 Dutch or Irish Insurance?
🇳🇱 Dutch Policy
- ✓ All-risk coverage possible
- ✓ Dutch service, no language barrier
- ✓ Reconstruction value €2,500/m²
- ✓ Vacancy covered as standard
- ✓ Rental also insured
- ✓ Return cover (travel costs)
🇮🇪 Irish Policy
- → Holiday Home Insurance locally
- → Communication in English
- → Local insurer
- → Vacancy often limited (60-90 days)
- → Arrange rental separately
- → Storm often increased deductible
💡 Advantage of a Dutch policy: one point of contact in your own language in the event of damage.
🔑 Rental: Holiday Let & Airbnb
Are you renting out your holiday home in Ireland? With our insurance you are covered:
- ✓ Rental up to 26 weeks/year: To family, friends or holiday guests
- ✓ Holiday Note: Seasonal rental also insured
- ✓ Platforms: Airbnb, Booking.com, Vrbo covered
- ✓ Liability: Damage to guests covered up to €500,000
- ⚠️ Own use: Rental only in combination with personal use
- ⚠️ Registration: Check local rules for short-term lets
⭐ All Risk Coverage: Maximum Protection
With all-risk coverage you are insured against all unforeseen damage from outside:
- ✓ Basic coverage: Fire, explosion, lightning, storm, hail
- ✓ Extensive: + Burglary, theft, vandalism, water damage, glass breakage
- ✓ All risk: + All unforeseen external damage
- ✓ Earthquakes: Usually co-insured (rare in Ireland)
💰 Premium indication Holiday home Ireland
| Type of property | Reconstruction value | Premium/month |
|---|---|---|
| Irish Cottage | €100,000 - €200,000 | €15 - €30 |
| Holiday Home Kerry | €150,000 - €300,000 | €22 - €40 |
| Coastal Property | €200,000 - €400,000 | €30 - €50 |
| Luxury Villa | €400,000+ | €45 - €75 |
| Insure household contents | €15,000 - €50,000 | +€8 - €20 |
* Homes on the west coast (Wild Atlantic Way) may be more expensive due to storm risk. Allrisk is approximately 20% more expensive.
⚠️ Not Covered / Exclusions
- ✗ Permanent residence: Only as a second home
- ✗ Poor maintenance: Damage due to overdue maintenance
- ✗ Vandalism by tenant: Damage by tenants themselves
- ✗ Commercial rental: More than 26 weeks/year without personal use
- ✗ Freezing: Vacant without frost measures
🏠 Typical Irish Homes
Different property types in Ireland, each with their own insurance requirements:
- 🏡 Traditional Cottage: Stone houses with thatched or slate roofs, authentic character
- 🏠 Holiday Home: Modern holiday homes, often in holiday resorts
- 🏰 Period Property: Historic houses and manor houses
- 🌊 Coastal Property: Homes on the coast, higher storm risks
NB: Thatched roofs can have a higher fire risk.
💡 Tips for Your Holiday Home in Ireland
- ✓ Choose Dutch policy: Better all-risk coverage and service in your own language
- ✓ Check storm coverage: Essential on the west coast
- ✓ Frost measures: Drain pipes during winter vacancy
- ✓ Security: Good locks, motion detectors = lower premium
- ✓ Current reconstruction value: Construction costs in Ireland are rising
- ✓ Have it checked regularly: Neighbors or manager for inspection
✈️ Extra Coverage: Return & Keys
- ✓ Return coverage: Travel and accommodation costs will be reimbursed in the event of an emergency
- ✓ Accommodation costs: If the home is uninhabitable upon arrival
- ✓ Lost keys: Costs for replacement locks will be reimbursed
- ✓ Art objects: Up to €5,000 co-insured
- ✓ Garden construction: Up to €10,000 covered
