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?
Transparent
Guarantees without asterisks, reimbursements 2x faster
Simple
Customizable contracts in a few clicks: pay only what you need.
Reactive
Always by your side in case of a problem: available 7 days a week (even Sunday!), response in 2 minutes
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.