Home Insurance Coverage in Luxembourg: Complete Guide 2026

All Luxembourg policies share a common core: fire and related perils (lightning, explosion, smoke), water damage, glass breakage, storm/hail/snow and electrical damage. With Foyer, vandalism and terrorism cover are also included in the base. With AXA, the base is even broader, including theft, Emergency@Home assistance and building RC/legal protection. With Baloise, flooding is included by default in all plans. Personal liability, private legal protection and natural disasters (except with Baloise and depending on the plan) are generally optional.

No. According to official IPIDs: with LALUX, theft is not covered under the Sécurité plan — it is included from the Confort plan onwards. With Foyer, theft is an optional cover. With AXA, theft is included in the base coverage. With Baloise, theft and vandalism are optional under Essentielle but included in the Intégrale plan. It is therefore essential to check your specific policy conditions and activate this cover if it is absent or insufficient. A well-furnished flat typically contains tens of thousands of euros worth of contents.

It depends on the insurer and plan chosen. Only Baloise includes weather events including flooding in all its plans, from the Essentielle level. With LALUX, weather perils (flooding, sewer backflow) are included in the Performance plan and available as an option for Confort. With Foyer and AXA, flood cover is an optional add-on. Unlike France, which has a statutory natural disaster compensation scheme, Luxembourg has no such mandatory mechanism. This cover became particularly important following the July 2021 floods that affected several Luxembourg municipalities. If you live in a flood-risk area, check with your municipality or consult available risk maps.

These are two separate covers. Personal liability (or family liability) covers bodily injury and property damage caused to third parties in everyday life — by you, household members or your pets. It is optional with all 4 Luxembourg insurers, but strongly recommended. Building liability (or tenant liability for renters) covers responsibility specifically related to the building: damage caused to the landlord’s property (for a tenant) or damage caused to third parties by the building (for an owner). With AXA, building liability is included in the base coverage. With Baloise, a « property civil liability » cover is included by default. For co-owners, building liability is generally required under the co-ownership rules.

In almost all cases, Luxembourg insurers do not apply an excess on standard home insurance coverages — a distinctive feature of the Luxembourg market compared to neighbouring countries (France, Belgium), where excesses of €150 to €300 are common. In return, Luxembourg premiums are on average 20% higher than in France or Belgium. There are exceptions, however: with AXA, an excess of 10% of the loss (minimum €1,500) applies specifically to the earthquake cover. Excesses may also apply to certain options under your specific policy conditions. Always check the general conditions to understand any excesses associated with each cover taken out.

New-for-old replacement is a settlement basis under which the insurer reimburses the current market cost of replacing a damaged item, with no deduction for age or wear. Example: your sofa bought for €2,000 five years ago is destroyed. With new-for-old cover, you receive the price of an equivalent new sofa today, with no depreciation deducted. Without this cover, settlement is made at market value (actual value after depreciation). With LALUX, new-for-old cover for furniture, appliances and multimedia is included in the Performance plan and available as an option for Confort. With Baloise, it is an option on both plans. With Foyer, you choose the settlement basis when taking out the policy.

Standard coverages only apply to belongings at your Luxembourg home address. For mobile devices (smartphone, laptop, tablet, camera, smartwatch), you need to take out a mobile multimedia pack. These packs cover theft and damage worldwide, 24/7. LALUX includes this in the Performance plan and offers it as an option for Confort. Foyer offers nomadic items as an optional cover. AXA covers mobile multimedia worldwide as an option. Baloise offers a Multimedia Pack as an option on both plans. For personal effects (clothing, luggage) while travelling, a dedicated travel insurance policy (cancellation, assistance, baggage) is available with LALUX, Foyer and AXA as an add-on.

Yes. Luxembourg policies are very flexible. You can amend your cover by endorsement: add coverages or packs (generally effective immediately after signing the endorsement), remove covers that are no longer needed (effective from the next annual renewal), increase limits if your assets have grown, or declare new items to insure (solar panels, a newly built pool, artwork acquisitions). Simply contact your insurer or agent. Typical review triggers include: moving home, major works (solar panel installation, pool construction), acquiring valuables, or a change in family situation. It is advisable to review your coverages and insured values every 2 to 3 years at minimum to ensure your policy still reflects your actual situation.

Tenants need cover for the contents of their home (furniture, appliances, personal effects) and for their tenant liability. Essential coverages for a tenant are: the standard coverages (fire, water damage, glass breakage, storm, electrical damage), theft cover, personal liability (often required by landlords), and — if you are on the ground floor or in a flood-risk area — flood cover. AXA OptiHome includes theft and basic assistance. Baloise Essentielle includes flood cover by default. Foyer Mozaïk and LALUX Confort let you compose exactly the cover you want. Also check whether your lease requires specific tenant liability cover — this is common in Luxembourg.

To compare effectively, always compare on an equivalent coverage basis — do not rely on the entry-level price alone, which can vary considerably depending on what is actually included. Here is a 4-step method: 1) List the covers you need (base + theft + flooding + RC + specific options). 2) Check which covers are included by default with each insurer and which are paid add-ons. 3) Request quotes with exactly the same covers activated with each insurer. 4) Compare not only price but also cover limits, settlement terms (new-for-old vs. market value) and included services (assistance, claims management, client portal). Our home insurance comparison tool lets you do this in just a few minutes.