Everything you need to know about home insurance in Luxembourg.
What is the best home insurance in Luxembourg?
▼In September 2026 the best choice depends on your profile, and each profile has an objective winner. For a tenant, the cheapest essential + theft plan is enough (contents + tenant liability; the building is insured by the owner). For an owner-occupier, LALUX Performance (new-value contents) or Foyer (new-build reconstruction value for the building) give the best cover. For a non-occupying landlord (PNO), Foyer Mozaïk PNO wins: it is the only one to explicitly cover unpaid rent. For a home exposed to climate or water damage, Baloise Home wins with storm and flood included as standard. To have theft included without an option, AXA OptiHome covers it from the base plan. And for a student or a 15-27 year old, LALUX Discover is the most advantageous dedicated plan. Compare above all the scope of included cover.
Which home insurance for a tenant?
▼A tenant must insure their contents (furniture) and tenant liability; the building remains the owner's responsibility. An essential plan with theft cover is often enough, complemented by personal liability. LALUX easyPROTECT Habitation covers tenants in all three plans, with a dedicated Discover plan for 15-27 year-olds. The insurance certificate is generally required when moving in.
Is home insurance mandatory in Luxembourg?
▼It is not required by law, but it is required in practice. Most leases require the tenant to have insurance covering tenant liability; banks require it to grant a mortgage; and co-ownership rules impose it on co-owners.
Which companies offer home insurance in Luxembourg?
▼Four major CAA-licensed insurers offer multi-risk home cover: LALUX (easyPROTECT Habitation), Foyer (Mozaïk), Baloise (Home) and AXA (OptiHome). Each has its strengths on included cover, theft, new-value cover and assistance.
What does home insurance cover?
▼Multi-risk home insurance generally covers fire, water damage, theft and vandalism, glass breakage, natural catastrophes and natural forces, as well as personal liability. The more complete plans add new-value cover for contents, 24/7 assistance and specialised packs.
What is the difference between tenant and owner?
▼The tenant insures their contents and tenant liability; they do not cover the building. The owner-occupier insures the building, contents and building liability. The landlord (PNO) takes out specific cover for the home they rent out, sometimes with unpaid-rent cover.
How much does home insurance cost in Luxembourg?
▼As a guide, an apartment tenant often pays between €25 and €40 per month, comprehensive cover between €45 and €60, and a house over 120 m² with all options from €60 per month. These ranges are market estimates.
Is personal liability included?
▼Personal liability covers the damage you, your family or your pets cause to third parties in daily life. It is offered by all four insurers, sometimes included, sometimes optional, and often valid worldwide. It is also the only part of the home premium that is tax-deductible.
How do I cancel my home insurance?
▼The contract renews automatically each year. You can cancel with 30 days' notice before the annual renewal, by registered letter, or within 60 days of a rate increase. When moving, the contract can usually be transferred to the new home.
Is home insurance tax-deductible?
▼Only the personal liability portion of the premium is deductible, as a special expense, up to €672 per person per year (article 111 LIR), a ceiling shared with other insurance. Building and contents cover are not deductible.
Is there a deductible on home insurance?
▼It depends on the insurer and the cover. The IPIDs refer to the general conditions: some cover includes a deductible (for example AXA quotes a deductible on earthquake), others do not. Always check the deductible amount and depreciation rate in the particular conditions.
Does home insurance cover natural disasters in Luxembourg?
▼Partly. Storm, hail and the weight of snow are generally included from the base cover. Floods, sewer backflow and earthquakes, however, are most often offered as an option (or included in higher tiers, such as LALUX's Performance). Given climate trends, check these covers and their deductibles carefully before subscribing.
What should I do in case of water damage at home in Luxembourg?
▼Turn off the water supply, limit the damage and notify your insurer as soon as possible (water damage is the most common claim). Keep evidence (photos, invoices) and, if a neighbour is involved, fill in a water-damage statement. Most policies include 24/7 home assistance (plumber, etc.) — for example LALUX Home Assistance, Foyer assistance or AXA Emergency@home.
Which home insurance for a student or young person in Luxembourg?
▼For a student or young tenant, a "contents + tenant liability + private liability" plan is usually enough. LALUX offers a plan for 15-27 year-olds (easyPROTECT Discover) and Baloise also covers student housing abroad. In a flatshare, check whether each flatmate must be named on the policy. Expect from about €25 to €40/month for an apartment.
How to find cheap home insurance in Luxembourg?
▼For an optimised premium: (1) choose the right plan — a basic cover (fire, water damage, liability) is often enough for a tenant, while higher tiers suit owners or valuable contents; (2) match the contents sum insured to its real value; (3) compare LALUX, Foyer, AXA and Baloise (the gap is significant for equal cover); (4) bundle home + car (multi-policy discount); (5) young people get dedicated plans (e.g. LALUX Discover, 15-27). The premium depends on the floor area, the value of the contents and the cover chosen — request several quotes to compare.
What does home insurance cover for water damage in Luxembourg?
▼Water damage is covered from the base level at all four insurers (LALUX, Foyer, AXA, Baloise): leaks, infiltrations and frozen pipes — Foyer also covering heating-oil leaks. Damage caused to a neighbour falls under liability cover (included or as an extension depending on the insurer). Two recurring limits to know: rainwater entering through openings is excluded at LALUX, and sewer backflow or flooding fall under climate covers — included as standard only at Baloise, optional or in a higher plan elsewhere. In a claim: shut off the water, photograph everything, report within your contract's deadline and keep damaged items for the expert.
