The home insurance
you were waiting for

Get covered in less than 2 minutes and Luko takes care of cancelling your former policy for you. It's as simple as that.

Check your price
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Covered in
less than 2 minutes

Download your certificate immediately

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Compensated
twice as fast

Simply tell us what happened

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An artisan at your door
in 2 days

Our network is always by your side in case of damages

Customizable with no strings attached

We offer no strings attached contracts that you can edit anytime: add a beneficiary, remove a guarantee, download your certificate. All that in 2 clicks.

Get a quote in 2 min

Reliable compensations,
twice as fast

If you have a hitch, tell us what happened. Luko will compensate you within a few hours or days. Our last validated record: a veranda compensated in 2h35.

Find out how Luko pays back efficiently and faster

A repairman at your door in 2 days

In case of a damage, a certified artisan or an expert from our network is sent to your home to take care of everything. All you have to do is open the front door.

Browse our members’ testimonials

Great service, fast and efficient, a joy! Very fast subscription in less than 5 minutes and a team available in a few minutes to answer our questions. As for the price, I divided my monthly bill by 3.

— Celia N.

Covered since april 2020

Still have questions?

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If you want to learn more about our guarantees: the easiest way is to make a simulation. You will have access to the details of your coverage and your price, fully customizable.

If you have any further question, we are available on the chat, by mail or by phone.

Get my price and guarantees

The Giveback:


insurance servicing its community

The traditional insurance model is built on conflict of interest.
The less they compensate your claim, the more they make money.
We don’t like that very much so we preferred a more transparent model.

Here’s your premium.
You pay it monthly.

  • 70% is pooled with our other members’ premiums. If you ever file a claim, that pool will be used to compensate you.

  • 30% of your contribution
    is dedicated to Luko's management costs: customer service, claims management, innovation, etc.

    If there’s money left at the end of the year, it’s donated to the charity of your choice. It won’t increase our profit.

  • 30% of your contribution
    is dedicated to Luko's management costs: customer service, claims management, innovation, etc.

  • 70% is pooled with our other members’ premiums. If you ever file a claim, that pool will be used to compensate you.

  • If there’s money left at the end of the year, it’s donated to the charity of your choice. It won’t increase our profit.

The Lukommunity is waiting for you

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Bcorp Logo

Luko is a BCorp certified company

which attests to our social and environmental commitments and our efforts of transparency towards our customers.

Historical partners

to protect what matters to you

We have gathered strongest partners and the best experts to guarantee our contracts and services.

Munich Re logoSwiss Re logo

Luko is governed by the Insurance Code and our contracts are covered by Munich Re and Swiss Re, the two largest reinsurance companies in the world.

In 2 minutes, get all the information
to actively protect your home.

Check your price