Renters Home Insurance in Luxembourg: Complete Guide 2026
In Luxembourg, home insurance is not legally required for tenants, but it is demanded by the vast majority of landlords in the tenancy agreement. The average tenant pays €200 to €400 per year to protect their belongings and cover their tenant liability. Without this insurance, you remain personally liable for all damage caused to the property — including in the event of a fire, even if you are not home at the time.
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Compare home insurance →Is home insurance compulsory for tenants in Luxembourg?
Unlike France and Belgium, there is no legal obligation requiring tenants to take out home insurance in Luxembourg. No Luxembourg law makes this cover mandatory for people renting a flat or house.
In practice, however, the overwhelming majority of landlords require this insurance in the tenancy agreement. This contractual clause effectively turns a recommendation into a genuine obligation for the tenant. The landlord may request an insurance certificate covering tenant risks at the time of signing the lease, and then annually on the renewal date.
Even without a legal obligation, a tenant remains personally liable for any damage they cause to the rented property. In the event of a fire or water damage, the tenant is presumed liable unless they can prove the incident was not their fault (Article 1733 of the Civil Code). Without insurance, you will have to cover the full cost of repairs out of your own pocket.
The amended law of 21 September 2006 on residential tenancy governs the rights and obligations of tenants and landlords in Luxembourg. It was revised with effect from 1 August 2024, introducing clearer rules on co-tenancy, the obligation for a written lease, the sharing of agency fees, and the reduction of the rental deposit to two months’ rent. The law states that tenants are responsible for deterioration and losses occurring during the tenancy, which explains why the insurance clause is almost universal in Luxembourg leases.
Without insurance
- You pay for all damage out of your own pocket
- The landlord may refuse your rental application
- Risk of lease termination if an insurance clause is included
- No protection for your belongings in the event of theft or fire
- Financial exposure potentially running to tens of thousands of euros
With insurance
- Cover for damage caused to the property (fire, water damage)
- Certificate to sign your lease without difficulty
- Protection for your belongings up to the insured sum chosen
- Personal liability to protect the whole family (optional add-on)
- Liability portion of the premium is tax-deductible (Art. 111 LIR, up to €672/person/year)
Why take out home insurance as a tenant?
Even if the law does not require it, taking out home insurance as a tenant in Luxembourg is a sound decision for several practical reasons.
Your landlord requires it
The insurance clause appears in the vast majority of Luxembourg tenancy agreements. Your landlord will ask for an insurance certificate when handing over the keys, and again each year on the renewal date. Without this certificate, they may refuse to rent the property to you or, if you are already a tenant, begin proceedings to terminate the lease.
You are presumed liable in the event of a fire
Article 1733 of the Civil Code establishes a presumption of liability for the tenant in the event of a fire in the rented property. You are automatically considered responsible unless you can prove that the fire was caused by force majeure, a structural defect, or that it spread from a neighbouring property. This presumption applies even if you were not at home when the incident occurred.
Your belongings are not covered by your landlord’s insurance
Your landlord’s insurance only covers the building and its fixed fixtures. Your furniture, clothing, appliances, computer, television, and personal effects are never covered by the landlord’s policy. In the event of theft, fire, or water damage, you lose everything with no compensation if you are uninsured.
Affordable cover relative to the risk
For a modest premium, you protect household contents often valued between €15,000 and €35,000. The cost-benefit ratio is particularly favourable, especially since most Luxembourg policies come with no excess. According to AXA, home insurance premiums in Luxembourg are on average 20% higher than in France or Belgium — precisely because excesses are rare.
Tax benefit
The liability portion of your premium is tax-deductible under Article 111 of the LIR, up to €672 per person per year (a ceiling shared with life, death, disability, and health insurance premiums, as well as interest on consumer loans). This ceiling accumulates for each member of the household, including children. Only the liability portion is deductible — premiums covering fire, theft, or material damage are not.
The fitted kitchen is your responsibility. As a tenant, you must insure the fitted kitchen as part of your contents — not your landlord. It often accounts for around one third of the total value of an apartment’s contents. Include its value when declaring your contents to the insurer.
What does renters home insurance cover in Luxembourg?
Renters home insurance in Luxembourg combines several essential types of cover. The main insurers on the market (LALUX, Foyer, AXA, Baloise) offer products tailored for tenants, with adjustable levels of cover to suit your needs.
| Cover | What is included | Status |
|---|---|---|
| Tenant liability | Damage caused to the rented property (fire, explosion, water damage) | ✓ Included |
| Fire and related perils | Destruction of contents by fire, lightning, explosion, or smoke | ✓ Included |
| Water damage | Leaks, burst pipes, frozen installations, oil spills | ✓ Included |
| Electrical damage | Power surges, short circuits damaging appliances and installations | ✓ Included |
| Glass breakage | Windows, mirrors, ceramic hobs, glass panels in furniture | ✓ Included |
| Storm, hail, snow | Weather events affecting the contents of the property | ✓ Included |
| Theft and break-in | Burglary, attempted break-in, vandalism of contents | ◐ Optional or included depending on insurer and plan |
| Natural disasters / flooding | Sewer backflow, flooding, landslide | ◐ Optional depending on insurer (standard with Baloise) |
| Personal liability | Bodily injury and property damage caused to third parties in daily life | ◐ Optional add-on |
| Legal protection | Disputes with landlord, neighbours, or service providers | ◐ Optional |
| 24/7 assistance | Emergency locksmith, plumber, or electrician at home | ◐ Included or optional depending on insurer |
| Portable belongings | Bicycle, scooter, laptop and devices outside the home | ◐ Optional |
The insured contents sum sets the maximum compensation in the event of a total loss. For a 50 m² flat, insurers generally recommend covering between €20,000 and €25,000 worth of contents. For 80 m², this rises to €30,000–€40,000. This estimate should include furniture, appliances, clothing, décor, and the fitted kitchen.
Going room by room when estimating the value of your belongings often gives a more accurate result than a flat-rate calculation per square metre. Under-insurance can lead to partial compensation in the event of a claim, even if you have been paying your premiums regularly.
Compare offers from Luxembourg’s leading insurers and find the best cover for your tenant profile.
Compare home insurance →Renters home insurance costs in Luxembourg
Renters insurance is considerably cheaper than a homeowner’s policy, as only the contents (rather than the building itself) are insured. Below are the indicative premium ranges observed in 2026 from Luxembourg’s main insurers.
| Tenant profile | Size | Insured contents sum | Indicative annual premium |
|---|---|---|---|
| Studio / student room | 25–35 m² | €10,000–€15,000 | €150–€250/year |
| 1–2 room flat | 40–60 m² | €20,000–€25,000 | €200–€320/year |
| 3-room flat | 65–85 m² | €30,000–€40,000 | €280–€420/year |
| Large flat / rented house | 90–120 m² and over | €40,000–€55,000 | €380–€550/year |
Indicative ranges observed in June 2026 from Luxembourg’s main insurers. Premiums vary depending on the cover selected, the floor level, location, and optional add-ons. These figures are not binding on any insurer — request a personalised quote.
These ranges correspond to cover including tenant liability, fire, water damage, glass breakage, electrical damage, and storm. Adding optional cover (theft, personal liability, legal protection, 24/7 assistance) will increase the premium, while limiting your cover may reduce it.
Several factors influence your premium: the declared value of your contents (including the fitted kitchen), the floor of the property (ground-floor flats often attract a loading for theft risk), the presence of annexes (cellar, parking), your location, and any optional cover selected.
A Luxembourg specificity: most home insurance policies in Luxembourg come with no excess. According to AXA, this is one of the reasons why premiums in Luxembourg are on average 20% higher than in France or Belgium. In the event of a claim, you are compensated from the first euro, with no out-of-pocket cost. Check this point in the general conditions before signing up.
Compare offers from Luxembourg’s leading insurers and find the best cover for your tenant profile.
Compare home insurance →Comparison of home insurance offers for tenants in 2026
Luxembourg’s main insurers each offer a comprehensive home insurance product suitable for tenants. Here is a comparison of their offers based on their official product information documents (IPID) in force as of June 2026.
| Insurer | Product / Plans | Key strengths for tenants | Standard cover included |
|---|---|---|---|
|
LALUX
easyPROTECT Habitation
3 plans
|
Sécurité · Confort · Performance Option to bundle multiple policies (multi-policy discount). |
Sécurité plan: essential cover at a controlled budget. Theft included from the Confort plan. New-for-old contents cover available with Confort/Performance. Bicycle and e-mobility device theft and breakage available as an option. | Fire, water damage, electrical damage, glass breakage, storm / hail / tornado / earthquake, ancillary cover (expert fees, clearance costs, loss of use) |
|
Foyer
mozaïk (home insurance)
Modular
|
Core cover + modular add-ons Online quote tool for flats. Optional modules: personal liability, theft, tech goods, portable items, natural disasters, travel, valuables, legal protection. For houses, an agent is recommended. |
Modular structure: you only pay for what you need. Ideal for tailoring a bespoke policy. Assistance and post-claim costs covered (temporary accommodation, storage, psychological support, clearance). | Fire, explosion, water damage and frost, glass breakage, storm / hail, electrical damage, terrorism / labour disputes / vandalism, post-claim costs (accommodation, clearance, psychological support…) |
|
AXA
Multirisques Habitation OptiHome
Active / Privilège plans
|
Active plan · Privilège plan Two flexible plans for tenants and homeowners. Online quote tool for flats. AXA Assistance 24/7 included. |
Theft included in standard cover. AXA Assistance (24/7 emergencies) included. Options: personal liability, portable multimedia equipment, rain and flooding, earthquake, legal protection, travel insurance. | Fire and related perils, storm / hail, electrical damage, glass breakage, water damage, theft, building liability, AXA Assistance (24/7 emergencies) |
|
Baloise
Home (+ GoodStart online)
100% online (GoodStart)
|
Essentielle plan · Intégrale plan GoodStart: 100% online application in ~10 minutes for flats (tenants and owners). Instant certificate. |
Flooding included as standard in both plans. Theft/vandalism included in the Intégrale plan, optional for the Essentielle plan. Personal liability available as an option. Thematic add-on packs (multimedia, valuables, sustainable mobility…). | Fire, weather events (flooding, storm, hail, snow), terrorism, water damage and frost, glass breakage, electrical damage, property liability, assistance, legal defence, costs and losses |
Sources: LALUX (IPID easyPROTECT Habitation), Foyer (IPID mozaïk), AXA (IPID Multirisques Habitation OptiHome), Baloise (IPID Home) — June 2026.
For tenants looking for a fully digital solution, Baloise GoodStart stands out with its 100% online application and instant certificate. Foyer mozaïk excels for its flexibility, particularly suited to profiles with specific needs (portable items, frequent travel, valuables). AXA OptiHome includes theft as standard in both its plans (Active and Privilège), with 24/7 assistance included. LALUX easyPROTECT is particularly attractive if you wish to bundle several policies (home, car, accidents) to benefit from multi-policy discounts.
Tenant liability cover: the essential protection
Tenant liability cover (also known as rental risk guarantee) is the minimum protection every tenant should have. It protects the tenant financially against damage they cause to the rented property.
In practice, tenant liability covers your responsibility in the event of fire, explosion, or water damage occurring in your rented property. If a fire starts in your kitchen, or a pipe bursts while you are away, this cover compensates the landlord for the damage caused to their property.
| Incident | Covered by tenant liability | Concrete example |
|---|---|---|
| Fire | ✓ Yes | Kitchen fire, electrical short circuit, poorly extinguished cigarette |
| Explosion / implosion | ✓ Yes | Boiler explosion, ignited gas leak |
| Water damage | ✓ Yes | Washing machine leak, tap left running, frozen pipe |
| Intentional damage | ✗ No | Damage deliberately caused by the tenant |
| Fair wear and tear | ✗ No | Deterioration from normal everyday use over time |
| Structural defect | ✗ No | Defect attributable to the landlord or builder |
Presumption of liability: Article 1733 of the Civil Code presumes the tenant responsible in the event of a fire in the rented property, even if they were not present at the time. The burden of proof falls on the tenant to demonstrate that the fire resulted from force majeure, a structural defect, or that it spread from a neighbouring property. Without tenant liability cover, you will have to bear the full cost of repairs — potentially tens of thousands of euros depending on the scale of the damage.
It is important to distinguish between tenant liability cover (damage to the rented property) and personal liability cover (damage caused to third parties). Personal liability covers, for example, damage caused to your downstairs neighbour’s flat following a water leak, or injuries caused by your dog to a passer-by. These two types of cover are complementary — personal liability is offered as an optional add-on in Luxembourg home insurance policies and is not included as standard. To find out more, see our guide on personal liability insurance in Luxembourg.
The insurance certificate for your landlord
The home insurance certificate is the official document proving that you are insured for the property you are renting. This certificate, issued by your insurance company, must be provided to the landlord at two key moments.
When signing the lease or collecting the keys
Your landlord will ask for an insurance certificate when you move in. This is a near-universal requirement in Luxembourg tenancy agreements. Make sure you take out your home insurance before the lease signing date so that you have the certificate ready in time.
Every year on the renewal date
The landlord is entitled to request a new insurance certificate every year, generally on the policy’s anniversary date. This annual check allows them to confirm that you are maintaining your cover throughout the tenancy.
The certificate includes your contact details, the address of the insured property, the cover taken out (particularly tenant liability), and the policy’s period of validity. It is generally issued promptly after you apply, either by email (PDF format) or by post.
With Baloise GoodStart’s 100% online application, you receive your insurance certificate immediately after signing up. With other insurers, allow up to 24 to 48 hours to receive your certificate by email. Plan ahead to avoid any delay to your move-in date.
If you fail to provide a certificate when your lease requires one, the landlord can send a formal notice. Depending on the terms of the contract, they may either take out insurance on your behalf (and charge you the premium, often at a higher rate) or begin lease termination proceedings. In any case, the absence of insurance does not exempt you from liability in the event of a claim.
How to choose the best renters home insurance?
Choosing your home insurance as a tenant means evaluating several factors beyond the premium alone. Here are the key points to consider to make the right choice.
Accurately estimate the value of your contents
This is the essential starting point. Underestimating (under-insurance) will result in partial compensation in the event of a claim. Overestimating (over-insurance) means paying unnecessarily high premiums. Don’t forget to include the fitted kitchen, which often accounts for around one third of the total contents value.
Check what is included as standard
Not all insurers offer the same standard cover. In particular, check whether theft and natural disasters / flooding are included or optional. Some areas of Luxembourg are exposed to flooding (the Moselle, Alzette, and Attert valleys): flood cover can be critical depending on your location. With Baloise, it is included as standard; with other insurers, it is an add-on.
Check the excess (or lack thereof)
Most Luxembourg policies come with a zero excess. Do check this in the general conditions, as certain specific cover types may carry their own excess (for example, AXA’s earthquake cover carries an excess of 10% of the damage, with a minimum of €1,500).
Identify your specific needs
Do you have valuables (jewellery, musical instruments, artwork)? Do you work from home with expensive computing equipment? Do you own an electric bike or a scooter? These items often require optional add-ons — check their availability and cost with each insurer.
Consider ease of management
The ability to apply online, receive your certificate immediately, file a claim easily, and reach 24/7 assistance all matter for day-to-day convenience. Baloise GoodStart and Foyer mozaïk lead the way on digital experience for flat tenants.
Make the most of tax benefits
The liability portion of your premium is tax-deductible under Article 111 of the LIR, up to €672 per household member per year (a ceiling shared with other eligible insurance premiums and consumer loan interest). Ask your insurer for a tax certificate at the start of the year to claim this deduction.
Our recommendation: for a flat tenant looking for a quick, fully digital solution, Baloise GoodStart is the most accessible option online. For flexible needs (portable items, travel, valuables), Foyer mozaïk offers the greatest customisation. If theft cover from the outset is a priority, AXA OptiHome includes it as standard. And if bundling several policies for a discount is important, LALUX easyPROTECT is well worth considering.
How to apply for renters home insurance online?
In 2026, several Luxembourg insurers allow flat tenants to get a quote and take out home insurance entirely online, without having to go through an agent.
Baloise GoodStart is the fastest and most digital option: you enter a few details about your flat (address, size, contents value), get an instant quote, and can complete the application and download your insurance certificate in around 10 minutes. This fully online service is available for both tenants and flat owners in Luxembourg.
Foyer mozaïk offers a 3-click online quote tool for flats, with immediate selection of core cover and optional modules. For houses, it is recommended to work with a Foyer agent.
AXA OptiHome has an online quote calculator for flats. The application is then finalised with one of their agents or branches. LALUX easyPROTECT also allows you to request a quote online, with personalised support from an adviser.
- Exact address of the rented property
- Floor area in m² of the flat or house
- Estimated value of your contents (including the fitted kitchen)
- Desired start date (your move-in date)
- Bank details for premium payments
Once your policy is in place, you will receive your insurance certificate by email (PDF format). Keep a digital copy: you can then forward it to your landlord instantly whenever needed.
Frequently asked questions about renters home insurance
Am I required to take out home insurance as a tenant in Luxembourg?
No, no Luxembourg law obliges tenants to take out home insurance. However, the vast majority of tenancy agreements include a clause requiring it. Your landlord may ask for an insurance certificate when signing the lease and at each annual renewal. Without insurance, you remain personally liable for all damage caused to the property — particularly in the event of a fire, where the tenant is presumed responsible under Article 1733 of the Civil Code.
How much does renters home insurance cost in Luxembourg?
The annual premium typically ranges between €150 and €550 depending on the size of the property, the insured contents value, and the cover chosen. For a studio or room, expect between €150 and €250 per year. For a 70 m² flat, the range is more likely to be €280 to €420 per year. These figures are indicative and vary by insurer, plan, and optional add-ons. Compare offers using our home insurance comparison tool to get personalised quotes.
What is the difference between tenant liability and personal liability cover?
Tenant liability cover exclusively covers damage you cause to the property you rent — fire, explosion, or water damage affecting the landlord’s walls, floors, or ceilings. Personal liability cover protects against damage caused to third parties in your everyday life: neighbours, passers-by, visitors, or damage caused by your children or pets. For example, if your water leak damages your downstairs neighbour’s flat, it is personal liability cover that applies. These two types of cover are complementary — personal liability is offered as an optional add-on in Luxembourg home insurance policies and is not included as standard.
Is the fitted kitchen covered by my renters insurance?
Yes, the fitted kitchen is part of the contents you need to insure as a tenant — not the building insured by your landlord. It often accounts for around one third of the total contents value of a flat. When declaring the value of your contents to the insurer, include kitchen units, built-in appliances (oven, dishwasher, fridge, microwave), and the worktop. Undervaluing this can lead to partial compensation in the event of a claim.
What happens if I don’t provide an insurance certificate to my landlord?
If your lease contains a mandatory insurance clause and you fail to provide a certificate, your landlord can send a formal notice requiring you to regularise your situation. If you do not comply, they may either take out insurance on your behalf (and charge you the premium, often at a higher rate) or begin lease termination proceedings if the contract contains a termination clause. In any case, you remain legally liable for damage caused to the property, with or without insurance.
Can I take out home insurance entirely online in Luxembourg?
Yes, for flats. Baloise GoodStart offers a 100% online application with an instant certificate. Foyer mozaïk allows you to get a quote and build your policy online for flats. AXA OptiHome has an online quote calculator for flats, with the final application completed via an agent or branch. LALUX also offers online quote requests with support from an adviser. You can also use our home insurance comparison tool to get an overview of the options available.
Is theft covered in a standard renters insurance policy?
This depends on the insurer and the plan chosen. With AXA OptiHome, theft is included in the standard cover (Active and Privilège plans). With LALUX easyPROTECT, it is included from the Confort plan onwards (but not in the Sécurité plan). With Foyer mozaïk, theft is an optional add-on. With Baloise Home, theft/vandalism is included in the Intégrale plan and optional for the Essentielle plan. Always check this in the general conditions, especially if you live on the ground floor or own valuable equipment.
Is there an excess on renters home insurance policies in Luxembourg?
The vast majority of home insurance policies in Luxembourg come with no excess. This is an advantageous feature compared to neighbouring countries, where excesses typically range from €150 to €300 per claim. This means you are compensated from the first euro of damage. Do however check this in the general conditions, as certain specific cover types may have their own excess (for example, AXA’s earthquake cover carries an excess of 10% of the damage, with a minimum of €1,500).
What does renters home insurance cover in the event of a fire?
In the event of a fire, your renters home insurance provides cover on two levels. Tenant liability cover compensates the landlord for damage to the property (walls, floors, ceilings, fixed fixtures). The fire cover for contents reimburses your personal belongings that are destroyed (furniture, clothing, appliances, décor). Article 1733 of the Civil Code presumes the tenant responsible for the fire unless proven otherwise. Without insurance, you will have to reimburse the full cost of the property repairs.
Can I cancel my home insurance if I move?
Yes, moving home is a valid reason to amend or cancel your home insurance policy. Contact your insurer as soon as your new address is confirmed. If you are staying in Luxembourg and renting a new property, it is often simpler to ask your insurer to transfer your policy to your new address (with any necessary premium adjustment), rather than cancelling and taking out a new policy. To find out more, see our guide on cancelling home insurance in Luxembourg.
Is the home insurance premium tax-deductible in Luxembourg?
Yes, partially. Under Article 111 of the LIR, the liability portion of your home insurance premium is deductible from your taxable income, up to €672 per household member per year. This ceiling is shared with other eligible insurance premiums (life, death, disability, health, car liability) and consumer loan interest. Premiums covering material risks (fire, theft, water damage, glass breakage) are not deductible. Ask your insurer for a tax certificate at the start of the year to claim this deduction.