The home insurance you were waiting for

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 200,000 policyholders recommend Luko?


Guarantees without asterisks, reimbursements 2x faster


Customizable contracts in a few clicks: pay only what you need.


Always by your side in case of a problem: available 7 days a week (even Sunday!), response in 2 minutes

Flat insurance


You live in a flat and you are wondering: what is the purpose of home insurance? Is it compulsory? Find all the answers and the guarantees adapted to your home.

Home insurance


Whether you live in a detached house, a condominium, or a chalet in the mountains, insuring your home allows you to protect your real estate capital as well as the members of your household against the hazards of life.

Secondary home insurance


You can leave your secondary home peacefully: Luko gives you all the details on the guarantees you need to know to protect your haven of peace.

Landlord insurance


The landlord's insurance covers you when you own a rental investment. It is the insurance suited for you if you are a landlord or if your property is unoccupied.

Building insurance


An insurance dedicated to condominiums and rental buildings owners to cover the building the owners (including the landlord insurance) and even the civil liability of benevolent property managers.

Do you have any more questions?

If you want to know more about our policies : the easiest way is to create a simulation. You will have access to the details of our covers and your price, which are fully customizable.

If you have any questions: get in touch whenever it suits you via chat, email or telephone.

Frequent answered questions on home insurance

  • 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.

  • What documents do I need to provide when subscribing?

    Forget about documents, at Luko there is zero paperwork. In a traditional insurance company, you would have to provide bank account details, a copy of your ID, a copy of your rental contract for tenants, and sometimes proof of income.

  • 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.

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