Flat insurance
from 3,50€/month
Cover your flat with 100% online insurance: finally clear, efficient and flexible.
![](https://prismic-images.luko.eu/luko/92e941c7-5d77-40d9-9e7b-7c855ab98aad_Appart.jpg?auto=compress,format&w=1440&q=80&fit=crop&fm=webp)
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.
![](https://images.prismic.io/luko/0ea82036-113f-4216-b6e5-f598e67b3391_image_celia_truspilot.png?auto=compress,format&rect=0,0,96,96&w=96&h=96)
Célia N.
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Arnaud S.
"Rapid management of water damage. The app is simple, it's easy to report a ...
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Jean-Claude D.
"I was able to report the incident on the chatbot and was closely accompanied ...
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Célia N.
"Great service, fast and efficient, a joy! Very quick subscription in less than
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Arnaud S.
"Rapid management of water damage. The app is simple, it's easy to report a ...
![](https://images.prismic.io/luko/b851701e-5660-4873-8c04-1a610ede8889_client-jean-claude.png?auto=compress,format&rect=0,0,81,80&w=81&h=80)
Jean-Claude D.
"I was able to report the incident on the chatbot and was closely accompanied ...
![](https://images.prismic.io/luko/0ea82036-113f-4216-b6e5-f598e67b3391_image_celia_truspilot.png?auto=compress,format&rect=0,0,96,96&w=96&h=96)
Célia N.
"Great service, fast and efficient, a joy! Very quick subscription in less than
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Arnaud S.
"Rapid management of water damage. The app is simple, it's easy to report a ...
![](https://images.prismic.io/luko/b851701e-5660-4873-8c04-1a610ede8889_client-jean-claude.png?auto=compress,format&rect=0,0,81,80&w=81&h=80)
Jean-Claude D.
"I was able to report the incident on the chatbot and was closely accompanied ...
![](https://images.prismic.io/luko/0ea82036-113f-4216-b6e5-f598e67b3391_image_celia_truspilot.png?auto=compress,format&rect=0,0,96,96&w=96&h=96)
Célia N.
"Great service, fast and efficient, a joy! Very quick subscription in less than
![](https://images.prismic.io/luko/c4d6852b-0ffc-4b5e-9c06-ffff4800c0e5_client-arnaud.png?auto=compress,format&rect=0,0,81,80&w=81&h=80)
Arnaud S.
"Rapid management of water damage. The app is simple, it's easy to report a ...
![](https://images.prismic.io/luko/b851701e-5660-4873-8c04-1a610ede8889_client-jean-claude.png?auto=compress,format&rect=0,0,81,80&w=81&h=80)
Jean-Claude D.
"I was able to report the incident on the chatbot and was closely accompanied ...
![](https://images.prismic.io/luko/0ea82036-113f-4216-b6e5-f598e67b3391_image_celia_truspilot.png?auto=compress,format&rect=0,0,96,96&w=96&h=96)
Célia N.
"Great service, fast and efficient, a joy! Very quick subscription in less than
![](https://images.prismic.io/luko/c4d6852b-0ffc-4b5e-9c06-ffff4800c0e5_client-arnaud.png?auto=compress,format&rect=0,0,81,80&w=81&h=80)
Arnaud S.
"Rapid management of water damage. The app is simple, it's easy to report a ...
![](https://images.prismic.io/luko/b851701e-5660-4873-8c04-1a610ede8889_client-jean-claude.png?auto=compress,format&rect=0,0,81,80&w=81&h=80)
Jean-Claude D.
"I was able to report the incident on the chatbot and was closely accompanied ...
![](https://images.prismic.io/luko/0ea82036-113f-4216-b6e5-f598e67b3391_image_celia_truspilot.png?auto=compress,format&rect=0,0,96,96&w=96&h=96)
Célia N.
"Great service, fast and efficient, a joy! Very quick subscription in less than
![](https://images.prismic.io/luko/c4d6852b-0ffc-4b5e-9c06-ffff4800c0e5_client-arnaud.png?auto=compress,format&rect=0,0,81,80&w=81&h=80)
Arnaud S.
"Rapid management of water damage. The app is simple, it's easy to report a ...
![](https://images.prismic.io/luko/b851701e-5660-4873-8c04-1a610ede8889_client-jean-claude.png?auto=compress,format&rect=0,0,81,80&w=81&h=80)
Jean-Claude D.
"I was able to report the incident on the chatbot and was closely accompanied ...
![](https://images.prismic.io/luko/0ea82036-113f-4216-b6e5-f598e67b3391_image_celia_truspilot.png?auto=compress,format&rect=0,0,96,96&w=96&h=96)
Célia N.
"Great service, fast and efficient, a joy! Very quick subscription in less than
![](https://images.prismic.io/luko/c4d6852b-0ffc-4b5e-9c06-ffff4800c0e5_client-arnaud.png?auto=compress,format&rect=0,0,81,80&w=81&h=80)
Arnaud S.
"Rapid management of water damage. The app is simple, it's easy to report a ...
![](https://images.prismic.io/luko/b851701e-5660-4873-8c04-1a610ede8889_client-jean-claude.png?auto=compress,format&rect=0,0,81,80&w=81&h=80)
Jean-Claude D.
"I was able to report the incident on the chatbot and was closely accompanied ...
![](https://images.prismic.io/luko/0ea82036-113f-4216-b6e5-f598e67b3391_image_celia_truspilot.png?auto=compress,format&rect=0,0,96,96&w=96&h=96)
Célia N.
"Great service, fast and efficient, a joy! Very quick subscription in less than
![](https://images.prismic.io/luko/c4d6852b-0ffc-4b5e-9c06-ffff4800c0e5_client-arnaud.png?auto=compress,format&rect=0,0,81,80&w=81&h=80)
Arnaud S.
"Rapid management of water damage. The app is simple, it's easy to report a ...
![](https://images.prismic.io/luko/b851701e-5660-4873-8c04-1a610ede8889_client-jean-claude.png?auto=compress,format&rect=0,0,81,80&w=81&h=80)
Jean-Claude D.
"I was able to report the incident on the chatbot and was closely accompanied ...