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.
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
Dog Liability
From €5.99 per month
All breeds are covered
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Worldwide coverage
S.O.S dog bite
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Cancel anytime
Private Liability
From €5.99 per month
100% paperless and online
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24/7 customer support
Bi-lingual documents for expats
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Cancel anytime
Home Content
From €1.62 per month
24/7 free emergency assistance
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Bi-lingual documents for expats
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100% paperless and online
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Cancel anytime
You can count on us
to get an answer on the chat, 7d/7
of valuables covered
Refunded twice as fast thanks to our network
of average savings per year
4.1/5
2610 verified client reviews
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.
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30% of your premium
is dedicated to Luko's management costs: customer service, claims management, innovation, etc.
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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.