The home insurance you were waiting for

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.

Why is Luko different?

100% Digital

Manage everything in just a few minutes from your smartphone.

Non binding

Not convinced? Just leave when you decide.


We take care of terminate your former contract for free

Tailor made insurance

Goodbye package deals with useless guarantees and impossible terminations. You are free to customize your offer, like you're free to leave any time you want: Luko is a 100% non binding contract.

A problem at home? Refunded in one click

Breathe. With Luko, your hitch will soon become ancient history : the claim can be filled in 2min through the app and you'll be refunded twice as fast. Yes, you can count on us.

Termination of your former contract

Forget about complicated administrative procedures: Luko will take care of terminating your old insurance for you.

Discover our home insurance for renters

Do you know why it is important to have home insurance even if you don't own the place you live in?

You can count on us

We're here everyday, at your convenience to help you in case you need it

Our average answer time on the tchat: 2 minutes. Tops.

Already covered?
No worries, Luko manages everything for you

Insure your home in less than 2min on our site

Share with us the information from your previous insurance contract

We terminate your former contract for free

You want to know where your money goes?

At Luko, you are the one choosing.

At the end of the year, if all premiums from our clients have not been used to cover all damages and accidents, the money left will be given back to NGO partners each of our client chose. This is how we do ethical insurance.

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

  • 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.

Join the movement