Why do more than 400 000 policyholders recommend Luko?
Up to 25% in savings per year
on average, for those who come to Luko.
100% transparent
At Luko, 30% of the fees cover our costs, the remaining 70% cover your claims.
0 headaches
Goodbye, paperwork! Manage your contracts and claims in 3 clicks.
Frequently asked questions
Is landlord insurance compulsory?
As per the Alur law, landlord insurance is mandatory, at least against the risks of civil liability, and if you are in co-ownership.
If you are not in co-ownership, it is not mandatory but highly recommended in order to protect you against damages. As a reminder, this insurance is complementary to building and renter's insurance and covers you in all situations!
What is the purpose of the landlord insurance?
Landlord insurance is used to protect a home you own but do not occupy, filling a kind of "legal void" for the landlord. Indeed, the dwelling is sometimes unoccupied but remains exposed to risks.
This insurance allows the owner to be protected, whatever the circumstances or to even cover an insufficient insurance on the tenant's side.
This insurance is complementary to building and renter's insurance and covers you in all situations!
What is the amount of the deductible?
For the landlord insurance, you have three amount of deductible you can choose: 75€, 150€, 225€, 300€, 375€ or 450€.
The amount of deductible you choose applies to all your claims, with two exceptions:
- 💣 Technological disaster, terrorism and riots : 0€, amount fixed by the government
- ⛈ Climate events and natural disasters : 380€, amount fixed by the government