Condominium and building insurance


To simply insure your condominium or a building you own and effectively protect your building and co-owners in the event of a breakdown.

Why do more than 400,000 policyholders recommend Luko?

Get covered in 2 minutes

Download your proof of insurance immediately

Get reimbursed twice as fast

Simply tell us what happened

A tradesperson at your door in 2 days

Our network is always by your side when you need them

Policies and claims covered

See the list of risks you are covered for and customize your cover according to the needs of your condominium or single-owner building.

Customize your policy
  • Civil liability

    of co-owners and voluntary trustee

  • Water damage

  • Fire

  • Natural disaster

  • Breakdown

  • Vandalism and graffiti

Condominium owners: the landlord insurance is included! Civil liability for non-professional trustees is also included.

And, of course, technological disaster and terrorism cover, unpaid condominium charges, outdoor amenities, machine breakage, photovoltaic panels, etc.

From €25.50 per month

Landlord insurance for co-owners and civil liability for voluntary trustees included!

Make your quote online in a few clicks to get a price for your condominium.

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Frequent questions

  • Which insurance for a condominium?

    The condominium must subscribe to a mandatory insurance covering at least its civil liability but generally coupled with other guarantees: this is the multi-risk building insurance.

  • Who should subscribe?

    It is the syndic of the condominium (professional or voluntary) who must take out the insurance after validation at the general meeting. He must choose a contract himself in the event of disagreement by the co-owners at the general meeting, so as not to leave the co-ownership without insurance.

  • Is it compulsory to insure a building?

    Yes, if it is in co-ownership, and this since the Alur law of 2014. If it is a single property, i.e. if the whole building belongs to the same owner, it is not compulsory but strongly recommended in order to protect the owner in the event of damage to a third party caused by the building.

  • Who pays the condominium insurance?

    These are the co-owners through the co-ownership charges and in the amount of their respective percentage shares.

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