Foyer, LALUX, AXA and Baloise compared guarantee by guarantee, the prices observed in 2026, and the answer to the question everyone asks: is it mandatory?
Comparison last updated: September 2026, from the insurers’ public documentation. Our method: we review each insurer’s public offer documents, compare guarantees, options and exclusions, and summarise the differences that actually matter. We are independent and are not an insurer.
A Luxembourg specificity worth knowing: multirisque policies usually come with no deductible, unlike France or Belgium, one reason premiums run somewhat higher. Ranges observed in 2026:
| Profile | Observed range | Typical scope |
|---|---|---|
| Tenant, ~30 m² studio | €180-240 / year | AXA example: €15,000 of contents, rental and family liability included. |
| Tenant, ~70 m² flat | €300-360 / year | AXA example: €35,000 of contents, rental and family liability included. |
| Tenant, ~90 m² flat | €250-450 / year | Contents and tenant liability towards the landlord. |
| Owner-occupier, ~90 m² flat | €300-500 / year | Building structure plus contents and private liability. |
| Owner, ~150 m² house | €500-750 / year | Larger surface and rebuild value drive the premium. |
Indicative ranges observed in August 2026 on insurers’ public pricing tools and market guides. Your actual premium depends on your profile and the coverage you choose, request a personalised quote to get real figures.
Prices observed: August 2026 · Sources: Foyer : assurance habitation · AXA Luxembourg: home insurance · AXA Luxembourg: furnished rental (premium examples)
No, no law requires it. In practice, though, almost everyone needs one:
To estimate your budget, try our home insurance calculator. The full order of steps on arrival, from the CNS to your car, is in our new arrivals guide.
Every offer covers the fire, water damage, storm and glass basics. The table sums up what sets them apart, based on the insurers’ public pages.
| Insurer | Formulas | Flood | Multimedia and portable items | Distinctive feature |
|---|---|---|---|---|
| Foyer | mozaïk: essential, useful and optional modules | “Useful” cover to add | High-tech and portable items, worldwide | Zero deductible on every formula |
| LALUX | easyPROTECT: Sécurité, Confort, Performance | Climate risks option | Multimedia pack: worldwide, new-for-old up to 5 years | Cycling, pool and green energy packs; 24/7 assistance |
| AXA | OptiHome | Sérénité Max option | n/a | E-Protection included; solar panels and charging points covered automatically |
| Baloise | HOME: Essentielle, Intégrale | Included from Essentielle | Multimedia, valuables and jewellery packs (Intégrale) | Online subscription 24/7 |
n/a: not stated on the insurer’s public pages. Always check the general terms and limits before signing.
Both cover your portable belongings worldwide. Foyer bets on flexibility, with mozaïk’s pick-and-choose modules and zero deductible on every formula. LALUX offers three nested formulas and themed packs, cycling and soft mobility, pool, solar panels, with 24/7 home assistance. With a pool or a solar installation, LALUX’s dedicated pack keeps things simple; to build your policy guarantee by guarantee, Foyer’s approach suits better. Either way, flooding is an add-on.
AXA OptiHome stands out on digital and family cover: E-Protection included (identity theft, card fraud, e-commerce disputes), family liability and legal protection up to €8,658 per claim, immediate rehousing, solar panels and charging points covered automatically. LALUX answers with its packs and home assistance. At both, flooding is an option.
If you live near the Alzette, the Moselle or the Sûre, Baloise includes flooding from its Essentielle formula, whereas Foyer files it under its useful covers, to be added. Foyer keeps the edge on zero deductible and pick-and-choose modules. Baloise offers two simple formulas, taken out online 24/7, with new-for-old value and valuables in Intégrale.
There is no best insurer in absolute terms: the right policy is the one that covers your real risks, for the right amount. Describe your home at the bottom of the page: a licensed partner insurer sends you a tailored proposal.
Natural disaster coverage (floods, landslides, drought) is particularly important given certain flood-prone zones along the Moselle and Alzette valleys. Not all entry-level policies include this by default, it’s worth verifying this point when comparing offers.
Every offer on the market covers the fire, water damage, storm and glass basics; the real differences lie in climate risks, replacement value and belongings that leave the house with you.
The treatment of natural disasters is the first discriminator: Baloise includes flooding from its Essentielle formula onwards, whereas it is an option at LALUX (climate risks) and AXA (Sérénité Max: flood, landslide); at Foyer it belongs to the “useful” tier of the modular mozaïk system, organised in three layers (essential, useful, optional). After the floods of recent years in the Alzette valley and Echternach, this is the first thing to check; our article flood, storm, hail: who covers what goes through each guarantee.
Other markers: LALUX (easyPROTECT Home) and Foyer cover nomadic belongings worldwide (multimedia, instruments, sports equipment); AXA (OptiHome) adds E-protection (identity theft, card fraud, e-commerce disputes), immediate rehousing and automatic cover for solar panels and charging points; Baloise lets you take out its HOME insurance entirely online, 24/7, for a house or a flat.
After a claim, the insurer checks that the insured sum matches the real value of the home and its contents. If it is set too low, the proportional rule applies: a property insured at 70% of its value is only compensated for 70% of the damage, even on a small claim. The risk is real in Luxembourg, where property values and rebuilding costs are well above those of neighbouring countries. Two simple safeguards: fill in the insurer’s valuation grid (often by number of rooms), which secures the insured sum, and check that the contract indexes the sums automatically year after year. Also remember to declare improvements that add value (fitted kitchen, solar panels, renovation). Our home insurance page sums up the guarantees to review.
No, no law requires it. In practice, virtually every landlord asks for an insurance certificate before handing over the keys, and banks generally make the home loan conditional on building insurance. Without a policy, a fire or water damage reaching the neighbours is entirely at your expense.
Based on the examples published by AXA and our August 2026 survey: €180 to €240 a year for a rented studio of about 30 m², €300 to €360 for a rented 70 m² flat, €300 to €500 for an owner-occupier of a flat of about 90 m² and €500 to €750 for a house of about 150 m². Our calculator scales these benchmarks to your area.
Yes for the core: every offer on the market covers fire, water damage, storm and glass breakage. The differences lie in natural disasters, portable items, new-for-old value and sustainable equipment such as solar panels.
Baloise includes flooding from its base formula, while at AXA (Sérénité Max option), LALUX (climate risks option) and Foyer (the “useful” tier of mozaïk) it must be added. If you live near a watercourse, this is the first clause to check.
Your liability towards the owner (“rental risks”: fire or water damage caused to the dwelling) and your own belongings (furniture, multimedia). The building itself is the owner’s to insure. Some policies can be taken out entirely online, such as Baloise’s HOME.
The proportional rule applies: compensation is reduced by the ratio between the insured sum and the real value. Contents worth €60,000 insured for €40,000 will only be compensated for two thirds of the damage. To avoid it, use your insurer’s valuation grid, activate automatic indexation of the sums and declare significant improvements over time.
It depends on your home. Near a watercourse, Baloise includes flooding from its base formula. For belongings you take everywhere, LALUX and Foyer cover portable items worldwide. Foyer applies zero deductible on every formula; AXA adds E-Protection and automatically covers solar panels and charging points. The side-by-side table sums up these differences.
Tell us about your property and specific needs. A licensed partner insurer will propose cover suited to your home.
Tell us a bit about your needs: a licensed Luxembourg-based partner insurer will send you a personalised proposal, usually in less than 24 hours.
