Luko, the #1 home
insurtech in Europe

Because we all love our home, we should get the insurance it deserves: Luko is a full and customizable coverage, with all the tools to better take care of homes.

2 minutes

to get insured

2x faster

to get a refund

2 minutes

to fill a claim in the app

You're in good hands

Transparency

Clear and easy to understand contracts, with no hidden costs or fine print. Insure what matters to you in just a few clicks

Simplicity

You want to file a problem with your home or your pet? Through our app you are reimbursed before you even say "wow".

Accessibility

Always at your side: our customer care team is available to answer all your questions 7d/7 even on Sundays.

You're in good hands

Our insurances

Because you have specific needs, we created specific products.

Pet Health

From €3.99 per month

  • Up to 100% reimbursement

  • 24/7 customer support

  • Worldwide coverage

  • Cancel anytime

Get covered

Dog Liability

From €5.99 per month

  • All breeds are covered

  • Worldwide coverage

  • S.O.S dog bite

  • Cancel anytime

Get covered

Private Liability

From €5.99 per month

  • 100% paperless and online

  • 24/7 customer support

  • Bi-lingual documents for expats

  • Cancel anytime

Get covered

Home Content

From €1.62 per month

  • 24/7 free emergency assistance

  • Bi-lingual documents for expats

  • 100% paperless and online

  • Cancel anytime

Get covered

You can count on us

2 min

to get an answer on the chat, 7d/7

45M€

of valuables covered

2x

Refunded twice as fast thanks to our network

25%

of average savings per year

4.1/5

2610 verified client reviews

Zurich Dtld.
ERGO Direkt
AXA Dtld.
R+V Vers.

Want to know where your money goes?

The traditional insurance model is built on a conflict of interests.
The less they compensate your claim, the more money they make.
We don't agree with that way of doing things, and prefer a far more transparent model.

  • 30% of your premium

    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's not used to our profits, that's just not how we like to work.

  • 30% of your premium

    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's not used to our profits, that's just not how we like to work.

Historical experts and professionals by our side

Luko is a certified B Corp. This certificate measures the company's overall social, environmental and economic performance, focusing primarily on public transparency and legal accountability.

Luko’s insurer is Berlin-based Luko Insurance AG, a P&C insurance company supervised by German regulator BaFin.

Luko is reinsured by both Munich Re and Scor, the biggest reinsurers in the world which work with all great insurance brands.