How do I subscribe online?

It's super simple! All you have to do is answer a few questions on the Luko website and you can be insured in under 2 minutes. With a traditional insurance company the process is often longer and you'll usually need to make a phone call or email some documents. Thankfully, processes are becoming more and more digital.

How long does it take to get compensation or repairs done?

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 insurance companies and we send a tradesperson to do the repairs within 2 days.

How do I cancel my home insurance?

Most insurances make you commit for one year from your joining date and then you have to give one month's notice of cancellation from the date of receipt of the registered letter if you want to leave. When you are insured with Luko, you can cancel at any time without giving any notice. All it takes is a simple click in your personal account area.

Home Insurance

Name: Home Insurance
Brand: Luko
Rating: 4.5 (989 reviews)

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

Why do more than 400 000 policyholders recommend Luko?

Less expensive

From €5.41 per month

Get reimbursed twice as fast

Simply tell us what happened

Simple

Customisable contracts without commitment

All you need to know about Home Insurance

Are you moving into a new home? Have you been living there for a while and are taking stock of your bills? In both cases, home insurance is a must. But it's not the easiest thing to understand! Is it mandatory? What are the guarantees to subscribe to? How much does it cost? And in case of a problem? We explain everything you need to know to be well covered by your home insurance and have peace of mind.

An insurance adapted to your situation

As its name indicates, home insurance is used to insure your home. In concrete terms, this means that in the event of a disaster - an accident causing damage - the insurance will be there to support you, compensate you and/or restore your home. In order to offer you a complete coverage at a fair price, different protections exist depending on your profile:

Home owner insurance
Home insurance for tenants
Home insurance for students
Non-occupying owner insurance

But also according to your type of housing:

Home insurance
Apartment insurance
Roommate home insurance
Second home insurance

And for buildings, we also offer a complete protection:

Condominium and building insurance
Insurance for rental properties and investment properties
Multi-risk building insurance (MRI)

What is the best coverage for you ?

Coverage table

Warranty	Minimum legal coverage	Extended coverage
Civil liability
Criminal defense and recourse
Water damage and seepage
Fire and explosion
Storms and natural disasters
Technological disasters and terrorism
Relocation and emergency repairs
Theft and vandalism
Glass breakage
Locksmith repair
Reimbursement of replacement value		en option
Exterior fittings	en option	en option

Is home insurance mandatory?

Obviously, insurance only comes into play the day you have a claim. And even though you may never have one in your life, which we hope you won't, it would not be wise to do without it. Indeed, the amounts involved in the event of a claim can be very significant, which is why the law provides for many cases in which home insurance is mandatory.

You are a tenant

Your home is...	The insurance is...	Required guarantees
An empty rental	Mandatory	Rental risks
Furnished rental	Mandatory	Rental risks
A shared rental	Mandatory	Rental risks
A dwelling occupied free of charge	Mandatory	Rental risks
A seasonal rental	Optional
A company dwelling	Optional

You are an owner

Your home is...	The insurance is...	Required guarantees
In co-ownership	Mandatory	Civil liability
A single-family home	Optional

Célia N.

"Great service, fast and efficient, a joy! Very quick subscription in less than

Arnaud S.

"Rapid management of water damage. The app is simple, it's easy to report a ...

Jean-Claude D.

"I was able to report the incident on the chatbot and was closely accompanied ...

Célia N.

"Great service, fast and efficient, a joy! Very quick subscription in less than

Arnaud S.

"Rapid management of water damage. The app is simple, it's easy to report a ...

Jean-Claude D.

"I was able to report the incident on the chatbot and was closely accompanied ...

Célia N.

"Great service, fast and efficient, a joy! Very quick subscription in less than

Arnaud S.

"Rapid management of water damage. The app is simple, it's easy to report a ...

Jean-Claude D.

"I was able to report the incident on the chatbot and was closely accompanied ...

Célia N.

"Great service, fast and efficient, a joy! Very quick subscription in less than

Arnaud S.

"Rapid management of water damage. The app is simple, it's easy to report a ...

Jean-Claude D.

"I was able to report the incident on the chatbot and was closely accompanied ...

Célia N.

"Great service, fast and efficient, a joy! Very quick subscription in less than

Arnaud S.

"Rapid management of water damage. The app is simple, it's easy to report a ...

Jean-Claude D.

"I was able to report the incident on the chatbot and was closely accompanied ...

Célia N.

"Great service, fast and efficient, a joy! Very quick subscription in less than

Arnaud S.

"Rapid management of water damage. The app is simple, it's easy to report a ...

Jean-Claude D.

"I was able to report the incident on the chatbot and was closely accompanied ...

Célia N.

"Great service, fast and efficient, a joy! Very quick subscription in less than

Arnaud S.

"Rapid management of water damage. The app is simple, it's easy to report a ...

Jean-Claude D.

"I was able to report the incident on the chatbot and was closely accompanied ...

Célia N.

"Great service, fast and efficient, a joy! Very quick subscription in less than

Arnaud S.

"Rapid management of water damage. The app is simple, it's easy to report a ...

Jean-Claude D.

"I was able to report the incident on the chatbot and was closely accompanied ...

Frequently Asked Questions

Is home insurance mandatory?
Yes, if you are a tenant or a co-owner of a property
How do I subscribe online?
It's super simple! All you have to do is answer a few questions on the Luko website and you can be insured in under 2 minutes. With a traditional insurance company the process is often longer and you'll usually need to make a phone call or email some documents. Thankfully, processes are becoming more and more digital.
How long does it take to get compensation or repairs done?
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 insurance companies and we send a tradesperson to do the repairs within 2 days.
How do I cancel my home insurance?
Most insurances make you commit for one year from your joining date and then you have to give one month's notice of cancellation from the date of receipt of the registered letter if you want to leave. When you are insured with Luko, you can cancel at any time without giving any notice. All it takes is a simple click in your personal account area.