Home insurance in Luxembourg is offered by 14 insurers covering both buildings and contents, with options from legacy incumbents to price-comparison-native challengers. Compare the rebuild cost (not market value) for buildings cover, and check whether contents cover includes accidental damage and high-value items above single-article limits.
Compare the top 9 Luxembourg home insurance providers, with premiums from €180 /year. Data current as of 23 October 2026 and updated daily from the Giraffy database.
15 live offers compared from 9 providers, from €180 /year. Updated daily.
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Home insurance in Luxembourg protects your property and belongings against risks such as fire, water damage, storm, theft and third-party liability. It covers homeowners (buildings and contents) and tenants (contents and liability). While not legally compulsory for owners, home insurance is effectively required by mortgage lenders and by many landlords, and it is a standard purchase given the value of Luxembourg property. Policies bundle building and contents cover with personal liability (responsabilité civile), which protects you if you accidentally cause damage or injury to others.
Cover is provided by the main insurers — Foyer, Lalux, La Luxembourgeoise, Baloise — and international groups Allianz, AXA, Generali and NN. A typical multi-risk home policy (assurance habitation / multirisque) combines fire, water, storm, theft, glass and liability, with options for valuables, garden, or legal protection. Landlords require tenants to hold at least liability and contents cover, and mortgage lenders require buildings cover. Premiums depend on the property's size, value, location and the level of cover and excess chosen.
Property protection — Covers rebuilding and repair after fire, water, storm or other insured damage.
Contents cover — Replaces belongings lost to theft or damage, up to the insured amount.
Personal liability — Protects you financially if you accidentally injure someone or damage their property.
Peace of mind — A predictable premium replaces the risk of a large, unexpected loss.
Insure the property and contents for the correct rebuild and replacement value to avoid underinsurance. Compare what perils are covered, the liability limit, the excess per claim, and useful add-ons like legal protection, valuables or natural-event cover. Tenants should confirm the policy meets their landlord's requirements. Check exclusions, whether cover is new-for-old, and how claims are handled. Match the cover to your home and possessions rather than choosing on premium alone.
Foyer Assurances is the market leader in home cover, with Lalux, La Luxembourgeoise and Baloise strong domestic options, and Allianz, AXA, Generali and NN offering full ranges. Providers differ on covered perils, liability limits, excess levels and optional extras. Because policies vary in what they include, compare cover details and limits rather than relying on the headline price.
Annual home-insurance premiums in the market are commonly around €180 for a typical multi-risk policy, varying with the property's size, value, location, contents sum insured and cover level. Larger homes, higher contents values and lower excesses raise the premium, while a higher voluntary excess can reduce it. Add-ons such as legal protection or valuables cover increase the cost, so balance protection against price.
Insurers and intermediaries are supervised by the Commissariat aux Assurances (CAA), and policies follow EU insurance-distribution rules requiring clear pre-contract information and fair terms. Personal liability cover is a core feature of household policies in Luxembourg. Disputes can be raised with the insurer and escalated to the CAA's mediation service or the ULC, and honest disclosure keeps claims valid.
Is home insurance compulsory? Not by law for owners, but mortgage lenders require buildings cover and landlords require tenant liability and contents cover.
What is responsabilité civile in a home policy? It is the personal-liability element covering damage or injury you accidentally cause to others.
How much should I insure my contents for? For the full replacement value of your belongings, to avoid underinsurance reducing a payout.
Do I need cover as a tenant? Tenants typically need at least contents and personal-liability cover, and landlords often require proof before handing over the keys.
What raises or lowers my premium? A higher contents sum insured and extra options raise it, while a higher voluntary excess can reduce it.
The cheapest Home Insurance in Luxembourg is €180 /year from Lalux.
Giraffy tracks 15 home insurance products across 9 insurers in Luxembourg. The lowest tracked price is €180 /year. Premiums depend on your property type, rebuild or replacement cost, contents value, and local claims history — compare multiple quotes to find the best deal for your specific circumstances.
Buildings insurance covers the structure of your home — walls, roof, floors, and permanent fixtures — against events like fire, flood, or subsidence. Contents insurance covers your belongings inside the home. Many insurers offer combined buildings and contents policies, which is often better value than buying separately.
As a tenant, you're responsible for insuring your own belongings (contents insurance), not the building — that's the landlord's responsibility. Tenants' contents insurance covers your possessions against theft, fire, and accidental damage. Some policies also cover items outside the home.
Standard exclusions include: general wear and tear, damage caused by pests, mechanical breakdown, and damage due to poor maintenance. Flood and earthquake cover is often sold separately — especially in high-risk areas. Always check exclusions carefully — especially for high-value items like jewellery above a single-item limit.
The excess is the amount you contribute towards a claim before the insurer pays the rest. A higher voluntary excess reduces your premium. Make sure you could comfortably pay the full excess amount in an emergency.
Buildings cover should reflect the rebuild cost — what it would cost to demolish and rebuild your home from scratch — not the market value. These figures can differ significantly. Many insurers provide online rebuild calculators; a professional assessment is more accurate for unusual or period properties.