An overview of the main home insurance providers in Luxembourg - coverage options for owners and renters.
Comparison last updated: July 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.
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 subscribed in about ten minutes, with a 30-day money-back guarantee.
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.
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