Insurance for Non Occupant Owners

All essential guarantees in one click from €5/month
Get my price

Luko offers non-occupant owners
unmatched advantages

As a reminder, if you are in co-ownership, you are obliged to insure your property.
This insurance is complementary to building and renter's insurance and covers you in all situations!
Value for money

5,90€ /month
without any deductible

All essential guarantees
without any frills

100% online,
get insured in 2 mins

Luko will handle the termination of your old contract

A comprehensive coverage

to rent your property with complete peace of mind


Civil liability
Criminal defence and appeals
Water damage
Fires and associated risks
Technological disaster, terrorism and riots
Climatic events and natural disasters
Electrical damage
Glass breakage


380€ (set by the gov.)


600 000€
4 624€
550 000€ (property)
550 000€ (property)
10 000€
550 000€ (property)
550 000€ (property)
4 624€
5 000€
You want to insure several properties? We'll offer you reduced rates.
Get Insured (5,90 €/month)
Good to know
Premiums for non occupant owners insurance are deductible from your property income.

A customer service that exceeds expectations

1. Accessible
A dedicated contact person to assist you over the long term, via chat, email or telephone: available to you 24/7
2. Efficient
Is something wrong? Tell us what happened, we' ll do a FaceTime if necessary: we'll support you with empathy
3. Intelligent
Thanks to our AI, you get your claims paid quickly and fairly. In the truest sense of the word

Our trusted partners

Backed by strong partners, we boast of satisfied policyholders  👼

Any questions?

We answer the most common ones here because there are no stupid questions...

Is non occupant owners insurance mandatory?

As per the Alur law, non occupant owner 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...
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What is the purpose of non occupant owner insurance?

Non occupant owner 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...
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What is the amount of the deductible?

There is no deductible in Luko's non occupant owner insurance 👌

There are only reimbursement limits defined according to the coverages.
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More questions?
Visit our FAQ