The costs included in this guide are a guideline to the MINIMUM value for which you should insure the structure of your house. Applying the rates to the area of your house will only give you a base to which you should add for other costs such as boundary walls, garages, fitted kitchens etc..

The insurance value for houses varies greatly depending on the type i.e. Georgian, modern, with or without basement etc.. The costs within this guide are intended to cover typical speculatively built estate type houses in Dublin, Cork and Galway built since the 60's. If you have another type of house, for instance a Georgian or Victorian house, the costs in this guide will not be appropriate to adequately insure your house. If you have a house of this type you should have a reinstatement cost assessment carried out by a Chartered Quantity Surveyor.