Homeowners Insurance Policies (2026) – Compare Coverage & Get a Quote Today
Protect your property with comprehensive homeowners insurance policies designed to cover structural damage, personal belongings, and liability risks.
Compare leading home insurance providers, review policy options, and request a personalised quote today.
What Does a Homeowners Insurance Policy Cover?
- Building structure protection
- Fire & storm damage
- Theft & vandalism
- Water damage (non-flood)
- Personal belongings coverage
- Personal liability protection
Mortgage lenders often require proof of active home insurance coverage.
Types of Homeowners Insurance Policies
- Basic coverage policy
- Comprehensive replacement cost policy
- Landlord property insurance
- High-value home insurance
- Combined home & contents insurance
Average Homeowners Insurance Costs (Europe 2026)
| Property Value | Estimated Annual Premium |
|---|---|
| €200,000 Home | €250 – €600 |
| €400,000 Home | €500 – €1,200 |
| €1M+ Property | Custom Premium |
Premiums depend on location, rebuild cost, claims history, and coverage limits.
Additional Coverage Options
- Flood insurance rider
- Accidental damage protection
- Jewellery & valuables coverage
- Home emergency assistance
- Legal expenses cover
How to Compare Homeowners Insurance Policies
- Calculate rebuild cost
- Estimate contents value
- Compare excess/deductible levels
- Review exclusions
- Request multiple quotes
Comparing quotes can reduce annual premiums while improving coverage.
Why Buy Homeowners Insurance Now?
- Protect your largest financial asset
- Comply with mortgage requirements
- Reduce financial risk exposure
- Secure peace of mind
Get Your Home Insurance Quote Today
Protect your home and personal belongings with a tailored insurance policy.
Compare policies. Get a quote. Secure homeowners insurance today.