Why do more than 400,000 policyholders recommend Luko?
Up to 40% 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
Your property is covered for accidental leaks or spills. However, this warranty does not cover repairs to the part that caused the damage. For example: we will repair walls and ceilings damaged by a leak from your washing machine, but the washing machine will not be covered.
Fire and related risks
Your goods are covered for fire, explosion or implosion, lightning, smoke from your home and impact from a vehicle.
Disasters and storms
Covers damage caused by storms and natural disasters (winds exceeding 100km/h, hail, snow, frost, or floods) or damage resulting from a terrorist attack recognized as such by the State.
Civil Liability & Criminal Defense
Covers bodily, material and immaterial damages that you or your co-insureds have caused to others (without doing so on purpose). For example: if you accidentally break a friend's phone or if your child accidentally scratches the neighbor's car (oops).
Criminal Defense guarantee defends your interests in case of an attack on your person or property, or if your Civil Liability is involved, by covering any legal fees.
Mortgage refund
If your home becomes uninhabitable following a disaster covered by your contract (water damage, fire, etc.), we take care of paying the monthly mortgage payments while the property is being repaired
Theft & Vandalism
Your goods are covered if they have been damaged or stolen, for example during a burglary by breaking and entering, forcing the lock or breaking and entering, or during the illegal occupation of your home. Please note that your exterior doors must be equipped with at least 2 anchor points. Send us a picture on the chat of our site if you have any doubt!
Broken glass
We cover the accidental breakage of your glass (window, door...) as well as your sanitary appliances (bathtub, toilet, etc..).
Electrical damage
Your electrical appliances are covered in case of an electrical accident, such as a lightning strike or power surge. We even refund you for the loss of food stored in your freezer.
Locksmith assistance
You are covered against theft, loss and breakage of keys or if your lock is damaged following an attempted break-in. Our assistance will send you a locksmith and will take care of the opening of your door, within the limit of 300€.
Pests
This guarantee covers up to 300€ TTC of intervention in case of invasions of rats, cockroaches, bedbugs, etc.
And of course, all the guarantees of the Legal Minimum formula are also included!
As many options as you want
Flexible options
With Luko, you're in control. You tailor your policy to your situation and needs, so you don't pay for unnecessary coverage.
Outbuildings
Insure your box, garage or cellar, as well as the goods stored there (it would be a shame to waste good wine).
Replacement as new
All your goods less than 10 years old will be reimbursed as if they were brand new, no matter how old or used they are.
Pool, jacuzzi, spa
Cover hard, in-ground or semi in-ground pools, spas and jacuzzis.
Outdoor facilities
In case of damage, we cover all the beautiful furniture you have installed on your balcony or terrace.
Temporary rental
Did you come across the wrong temporary tenants? Don't panic, we also cover up to 10 000€ of damage and theft caused by your temporary tenants. You are also covered for civil liability and we compensate your loss of rent if your property becomes uninhabitable following a damage covered by your contract. And this works for all rentals of less than 90 days, regardless of the platform you use.
Valuables
Don't forget to add your jewelry, paintings, luxury watches and other precious items to your cover.
Scholar insurance
Insure your little ones during their school and extracurricular activities.
Pipe repair
Have you had water damage due to a burst pipe? Luko is one of the few insurers to offer you an option to repair it, in addition to covering the damage already caused by the leak.
From €12.70 per month
Get your price in 2 minutes with an online quote. The price depends on the surface area and location of your secondary home. Then, it's up to you to customize your cover!
Frequent questions
What is a secondary residence?
A secondary residence is by definition any other dwelling that is not your principal residence, i.e. a dwelling that you occupy during vacations, weekends or other specific times of the year (as opposed to your principal residence, which is your tax home and where your family permanently resides). You can have several secondary residences, but only one principal residence in the eyes of the law.
Is it mandatory to insure my second home?
YES, if you are a tenant (except for seasonal rentals) or if it is a condominium apartment that you own. Only owners of individual houses are not obliged to take out insurance, but it is nevertheless strongly recommended to protect yourself in case of damage.
How much does second home insurance cost?
This depends on many factors including the location and size of your home. The easiest way is to do a price simulation on our website. Note that insuring a second home is often slightly more expensive than insuring a main home due to the additional risks related to prolonged absences.
I forgot to lock my front door, am I covered in case of burglary?
With most insurers this kind of carelessness is unfortunately a cause for exclusion of coverage, which means that you are not compensated. With Luko you are still covered up to 50%.
I rent the same accommodation every year for the vacations, do I have to insure it?
No, if it is a short-term rental, it is simply a seasonal rental: it is not necessary to insure it because the owner is generally already covered and you normally benefit from a holiday guarantee included in your insurance contract (this is the case with Luko). The rental company may sometimes ask you for a certificate to verify that you are covered for third party liability (civil liability).
Other Luko protections
