An overview of the main home insurance providers in Luxembourg - coverage options for owners and renters.
Comparison last updated: August 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, ~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
Home insurance is not legally mandatory for homeowners in Luxembourg, but it is required by virtually all mortgage lenders. Renters typically need tenant liability insurance (RC locative).
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.
Home insurance is not legally required in Luxembourg, but in practice your bank will demand it for a mortgage and most leases impose it on tenants. 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.
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 offers GoodStart, a 100% online apartment policy with an instant quote in under two minutes.
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.
As long as you live across the border, your home stays insured locally, a Luxembourg multi-risk policy only concerns a home in the Grand Duchy. The day you move, plan ahead: virtually every landlord requires an insurance certificate before handing over the keys. Our new arrivals guide details the exact order of steps, from CNS affiliation to vehicle registration.
No law imposes it in general. In practice it is unavoidable: banks require it to grant a mortgage and almost all leases demand it from tenants. Going without means carrying the full risk of a fire or water damage alone.
It depends on the insurer and the formula: 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. Tenant-focused formulas, such as Baloise’s GoodStart, can be subscribed entirely online.
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.
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