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Good to know…

Home Emergency Assistance

Our home insurance policies can include home emergency assistance, providing cover for sudden, unexpected incidents requiring immediate corrective action, like burst pipes or electrical breakdown.

Impact of Home Renovations

Major renovations can increase the rebuilding cost of your home, which may require an increase in your building sum insured. Small changes might not affect the policy, but insurers appreciate being kept informed.

Coverage for High-Value Items

High-value items might require being listed separately on your policy to be adequately covered. Check with your insurer about the single-item limit on your policy.

Occupancy and Your Insurance

Most policies require you to inform the insurer if the house is going to be unoccupied for a continuous period, typically more than 30 days, because an empty home is more at risk.

Students and Home Insurance

Many home insurance policies extend a certain level of cover to personal possessions of family members temporarily living away for education, under the ‘contents temporarily removed from the home’ section.

Alternative Accommodation Coverage

If an insured event leaves your home unfit to live in, your policy can cover the cost of alternative accommodation for you and your pets until the home is restored.

Dealing with Underinsurance

Underinsurance happens when the sum insured is less than the cost of rebuilding your home or replacing your contents. Regularly reviewing and adjusting your coverage can help avoid this situation.

The 5 Star Insurance Company!

Breeze has earned a 5 star Google rating, as voted by
our fantastic, happy customers.

Insurance Built for the 21st Century

Same day cover. 100% digital. No paperwork beyond certificates.

Here’s why our customers love us

And it’s not just because we take the hassle out of comparing insurers

Feel supported through your claim

We represent our customers at the heart of everything we do. That means, we'll be there every step of the way to ensure you receive the best possible claims support.

Save with more affordable cover

We take the leg work out of insurance by comparing our panel of insurance underwriters for the best deal, so you don't have to.

Get lightning speed support

Our Live Chat team aim to reply to queries in minutes, and we pride ourselves on delivering at speed, so you can get insured as fast as possible.

Edit your policy in seconds

Edit and update your policy in seconds by contacting us at our dedicated customer service phone or chat lines.

Build your own cover

We’ve got a range of add-on features, so you can build your policy to suit you.

Get a quote in minutes

It takes around 5 minutes to get a quote. Easy!

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Bonus Offers

Up to 50% off fees

CAR + HOME

This combination is suitable for homeowners who want to protect both their car and their house. It provides coverage for potential damage to your vehicle as well as protection for your home against various risks.

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Up to 50% off fees

CAR + RENTERS

This combination is a good choice for renters who wish to insure their car along with their rented living space. It covers your vehicle and offers insurance for your rented property, ensuring you’re protected against unforeseen incidents.

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Up to 50% off fees

CAR + TRAVEL

Ideal for those who frequently travel, this combination covers your vehicle and offers travel insurance benefits. Whether you’re on a road trip or flying abroad, you’ll have protection for your car and yourself during your journeys.

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Up to 50% off fees

TRAVEL + LIFE

Ideal for those who frequently travel, this combination covers your vehicle and offers travel insurance benefits. Whether you’re on a road trip or flying abroad, you’ll have protection for your car and yourself during your journeys.

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Insurance that Gives Back to Nature

Planting a Greener Future, One Policy at a Time
When you choose to insure with us, it’s not just about safeguarding your present—it’s also about investing in a healthier planet for the future. For every insurance policy you purchase, we collaborate with our reforestation partner to plant a tree on your behalf.
Personalised Planting Certificate

As a token of our gratitude, you’ll receive a beautifully designed digital planting certificate from our planting partner. You can even attend a planting event with us.

Long-Term Impact

Each tree planted is estimated to sequester an average of 0.25 tonnes of carbon dioxide over its lifetime, typically ranging from 50 to 100 years. That’s a lasting legacy we can all be proud of.**

How Breeze Works

Breeze aims to simplify the traditional insurance model. We place digital solutions at the heart of everything we do to provide our customers a simple and fast insurance journey. We started the business with the intention of putting our customers’ happiness above all else. To do this, we focus on providing our customers with the greatest deals and a best in class customer aftercare process to ensure help is on hand throughout the claims process to get our customers the best possible outcomes, fast!

Here when you need us

Our Customer Success team are always on hand to chat if you ever have any questions. Feel free to pop a message through the link below, or give us a call anytime during our opening hours. We love to help!

0818 700 300
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Everything you need to know about Breeze home insurance

Q1: What's the difference between buildings and contents insurance?
Buildings insurance, in the context of the Irish market, covers the physical structure of your home – the bricks and mortar, so to speak – as well as permanent fixtures like fitted kitchens and bathrooms. This should cover the full rebuild cost of your home. On the other hand, contents insurance covers the personal belongings inside your home. This can range from furniture and appliances to clothing and personal items. Some policies even cover items in your garden or outbuildings.
Q2: Are my valuables covered away from home?
In many home insurance policies in Ireland, there is an option for “all risks” or “personal possessions” cover. This typically provides coverage for personal belongings outside your home, often anywhere in the world. It can include items like jewellery, laptops, and bicycles. However, there might be limits on the value of items you can claim, and high-value items may need to be listed separately.
Q3: Does home insurance cover accidental damage?
Accidental damage cover is typically available as an optional extra on home insurance policies in Ireland. This can protect you against one-off, unintentional incidents that result in damage to your property or contents. This could include scenarios like spilling red wine on a new carpet or a child knocking over a TV. However, not all incidents may be covered, and there are often exclusions, such as general wear and tear or damage caused by pets, so it’s important to read your policy document carefully.
Q4: Are garden and outdoor items covered by home insurance?
Yes, many home insurance policies in Ireland provide some coverage for garden and outdoor items. This can include items like garden furniture, barbecues, and lawnmowers. However, coverage levels and limits can vary, and higher value items may need to be specified on the policy. In addition, certain risks may not be covered outside the home, such as theft unless the items were securely locked away.
Q5: Will my home insurance cover me for flooding?
In Ireland, whether home insurance policies provide cover for flooding often depends on the flood risk associated with the area where your home is located. If you’re in a high-risk flood area, you may face higher premiums or have certain restrictions on your policy. Always ensure to check the specifics of your policy. Additionally, consider preventative measures, like installing flood barriers, to mitigate potential flood risks.
Q6: Do I need to update my insurer if I make improvements to my home?
Yes, if you make significant improvements to your home, such as an extension or a loft conversion, you should inform your insurer as it could increase the value of your property and therefore affect the rebuild cost, which is what your buildings cover is based on. In Ireland, if the rebuild cost of your home is underestimated, you could be left underinsured, which may lead to you not receiving the full value back if you have to make a claim.