Landlord insurance

4,90€ / month

Protect your rental property with 100% online insurance: finally clear, efficient and flexible.

Why do more than 400,000 policy holders 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.

  • Water Damage

  • Fire and related risks

  • Disasters and storms

  • Civil Liability & Criminal Defense

  • Theft & Vandalism

  • Glass breakage

  • Electrical damage

  • Assistance service

  • Legal assistance

And of course, all the guarantees of the Legal Minimum formula are also included!

110€ per year +4% 114€ per year +6% 117€ per year +8% 119€ per year +33% 146€ per year Les Furêts, September 2022
Les Furêts, September 2022

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: 150€ , 225€ or 300€.

    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
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