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

Transparent

Crystal clear guarantees with no sneaky asterisks, and with claim management which is twice as fast as our competitors.

Simple

Customize your contract in a few clicks, so you only pay for what you need

Reactive

We're by your side when you need us: available 7 days a week, we'll even answer in under 2 minutes on a Sunday.

Transparent

Crystal clear guarantees with no sneaky asterisks, and with claim management which is twice as fast as our competitors.

Simple

Customize your contract in a few clicks, so you only pay for what you need

Reactive

We're by your side when you need us: available 7 days a week, we'll even answer in under 2 minutes on a Sunday.

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

2409 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.

What they say about us

Want to know more about Luko? Have a read of media articles which talk about us

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 Swiss Re, the biggest reinsurers in the world which work with all great insurance brands.