Landlord insurance

All essential guarantees in one click from €5/month

Cover my property

Why do more than 100,000 policyholders recommend Luko?

Get covered in 2 minutes

Download your certificate immediately

Compensated twice as fast

Simply tell us what happened

An artisan at your door in 2 days

Our network is always by your side in case of damages

Guarantees and claims covered

We have brought together in our product all the essential guarantees to protect your home when it is rented, but also when it is vacant between two rentals.

As a reminder, it is compulsory to insure your home when you are in co-ownership and this insurance is complementary to that of the co-ownership and that of the tenant. To be covered in all situations!

Customise my guarantees
  • Civil Liability

  • Criminal Defense

  • Water damage

  • Fires

  • Electrical damages

  • Storms and natural disasters

And always the guarantees of theft and vandalism, technological disasters, terrorism and riots, glass breakage, etc.

From €5.90 per month

It only takes a few seconds to get your free quote online.
Good to know: the premiums for your PNO insurance policy are deductible from your property income.

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Frequently asked questions on Insurance for Non Occupant Owners

  • 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. As a reminder, this insurance is complementary to building and renter's insurance and covers you in all situations!

  • 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.

    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 Non-Occupant Owner 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