The home insurance you were waiting for

Get covered in less than 2 minutes and Luko takes care of cancelling your former policy for you. It's as simple as that.

Why do more than 200,000 policyholders recommend Luko?

Get covered in 2 minutes

Download your certificate immediately

Compensated twice as fast

Just tell us what happened

A crafstman at your door in 2 days

Our network is always by your side in case of damage

Flat insurance

You live in a flat and you are wondering: what is the purpose of home insurance? Is it compulsory? Find all the answers and the guarantees adapted to your home.

Home insurance

Whether you live in a detached house, a condominium, or a chalet in the mountains, insuring your home allows you to protect your real estate capital as well as the members of your household against the hazards of life.

Secondary home insurance

You can leave your secondary home peacefully: Luko gives you all the details on the guarantees you need to know to protect your haven of peace.

Landlord insurance

The landlord's insurance covers you when you own a rental investment. It is the insurance suited for you if you are a landlord or if your property is unoccupied.

Building insurance


An insurance dedicated to condominiums and rental buildings owners to cover the building the owners (including the landlord insurance) and even the civil liability of benevolent property managers.

Civil liability insurance

These crucial guarantees make you compliant to your insurance obligation and cover up for you in case you cause damages to someone else.

Discover the home civil liability

Comprehensive home insurance

An optimum protection for your home, your goods and your beloved ones thanks to the extended coverage you can adjust to fit your needs.

Discover the comprehensive home insurance

Frequent answered questions on home insurance

  • Is home insurance mandatory?

    Yes, if you are a tenant or a co-owner of a property

  • How do I subscribe online?

    It's very simple! All you have to do is answer a few questions on the Luko website and you are insured within 2 minutes. In traditional insurance, it is often longer and sometimes requires you to go through the phone or mail, but the processes are becoming more and more digital.

  • What documents do I need to provide when subscribing?

    Forget about documents, at Luko it's zero paperwork. In a traditional insurance on the other hand, you will have to provide a RIB, a copy of your ID, a copy of your rental contract for tenants, and sometimes a proof of income.

  • How long does it take to get compensation or repair?

    Again, it depends on the claim! In the case of a burglary, compensation can be very quick, whereas in the case of water damage, you have to wait for the walls to dry out, which can take several weeks or even months. On average at Luko we pay you back twice as fast as other insurances and we send a craftsman to do the repairs within 2 days in the case of a simple damage.

  • How do I cancel my home insurance?

    Most insurances commit you for one year from the subscription and require you to give one month's notice of cancellation from the date of receipt of the registered letter. If you are insured with Luko, you can cancel at any time without notice by a simple click in your personal area.

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