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.

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Why do more than 100,000 policyholders recommend Luko?

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Get covered in 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

Customisable and without obligation

There is no minimum engagement period with our 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 clicks

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.

Discover our members testimonials

The highest rated insurance by 100,000 policyholders.

Read our testimonials

WE ARE LISTENING

We are available when you are

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The Giveback:


the insurance servicing its community

The traditional insurance model is built on conflict of interest.
The less you are reimbursed, the more money the insurer earns. We have therefore decided to put an end to this and to adopt a new, transparent remuneration model.

Here’s your premium.
You pay it every months.

  • 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.

You too can join the movement

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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.

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    Since 1880

  • Swiss Re logo

    Since 1863

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

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