Flat insurance
from €5.25/month
Cover your flat with 100% online insurance: finally clear, efficient and flexible.
Why do over 400 000 policyholders recommend Luko?
up to 30% savings per year
on average, for those who switch to Luko
100% transparent
At Luko, 30% of premiums cover our teams and costs, the remaining 70% cover you in case of a claim.
0 headaches
Goodbye, paperwork! Manage your contracts and claims in 3 clicks.
Frequently asked questions
Is flat insurance compulsory?
Yes, if you are a tenant. If you are a landlord, you are required to insure your flat if it is in a condominium building, but not if it is in a mono-property (if you own all the flats in the building).
Who has to insure a rental flat?
As a tenant, you are free to take out the home insurance of your choice. As an owner, you can take out insurance in the name of your tenant. However, the tenant is free to request that you cancel that insurance, so long as they provide you with proof that they have taken out insurance elsewhere.
Landlord : do you need to insure your flat?
Whether you are an owner-occupant or landlord, the same legislation applies: you are obliged to insure your flat if it is in a condominium building.
How much is the deductible?
The deductible can be adjusted according to your needs. The amount ranges from €75 to €475.
What documents are required to insure a flat?
Forget about documents, at Luko there is zero paperwork. In a traditional insurance company, you would have to provide bank account details, a copy of your ID, a copy of your rental contract for tenants, and sometimes proof of income.