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 your needs. Have full peace of mind everytime you leave your home.
Criminal defence and appeal
Theft and vandalism
What does household liability cover?
The home liability insurance covers you or other beneficiaries of your contract if you cause damage to other people or their property. For example, if your shower leaks and floods the downstairs neighbour's flat, your insurance will pay for the damage.
Is household liability insurance compulsory?
Yes, if you are a tenant or owner of a condominium (including if you are a landlord).
How does this differ from other civil liabilities?
The difference between personal liability (included in your home insurance) and motor or professional liability lies in the cases of application. In the case of a car, third-party liability (also called third-party insurance) covers you in the event of an accident involving another user (or several). As a professional, civil liability is compulsory for certain professions such as construction professionals, lawyers or doctors, to cover the risk of causing damage to third parties.
Where can I get a civil liability certificate?
Your home insurance certificate can be used to prove your civil liability cover! Go to your policyholder area to download your certificate, nothing could be easier.
How does liability insurance work?
Liability insurance applies whenever you, your partner or persons under your responsibility cause damage to property or injury to others through carelessness or negligence. Your insurance will cover the costs of compensating the third party or parties involved.
What is the deadline to file a claim?
As with most claims, you have 5 working days to report a claim involving your civil liability. Respecting this deadline is essential to be covered by your insurer!
How do I know if I am covered?
Do you have home insurance? If so, you and the people in your household are covered: comprehensive home insurance policies include civil liability by default.