The home insurance you were waiting for
Get covered in less than 2 minutes and Luko takes care of cancelling your former policy for you. It's as simple as that.
Get covered in 2 minutes
Download your certificate immediately
Compensated twice as fast
Just tell us what happened
A crafstman at your door in 2 days
Our network is always by your side in case of damage
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.
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.
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.
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.
Civil liability insurance
These crucial guarantees make you compliant to your insurance obligation and cover up for you in case you cause damages to someone else.
Comprehensive home insurance
An optimum protection for your home, your goods and your beloved ones thanks to the extended coverage you can adjust to fit your needs.
The highest rated insurance by 150,000 policyholders.
"Great service, fast and efficient, a joy! Very quick subscription in less than 5 minutes and a team available in a few minutes to answer our questions. As for the price, I divided my monthly bill by 3."
Célia N. — Owner of an apartment in Ivry-sur-Seine
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 very simple! All you have to do is answer a few questions on the Luko website and you are insured within 2 minutes. In traditional insurance, it is often longer and sometimes requires you to go through the phone or mail, but the processes are becoming more and more digital.
What documents do I need to provide when subscribing?
Forget about documents, at Luko it's zero paperwork. In a traditional insurance on the other hand, you will have to provide a RIB, a copy of your ID, a copy of your rental contract for tenants, and sometimes a proof of income.
How long does it take to get compensation or repair?
Again, 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 insurances and we send a craftsman to do the repairs within 2 days in the case of a simple damage.
How do I cancel my home insurance?
Most insurances commit you for one year from the subscription and require you to give one month's notice of cancellation from the date of receipt of the registered letter. If you are insured with Luko, you can cancel at any time without notice by a simple click in your personal area.
Do you still have questions?
If you want to know more about our guarantees : the easiest way is to make a simulation.
If you have any questions: we are available at your convenience via chat, email or telephone.