Renters insurance

Home insurance is still important even if you don't own the place you live in. Discover our insurance for renters and rest assured no matter what happens.

Why do more than 300,000 policy holders recommend Luko?


From €6 per month


Only the guarantees you truly need


100% online, insured in 2 minutes

Policies and claims covered

See the list of risks you are covered for and customize your cover according to your needs. Have full peace of mind everytime you leave your flat.

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  • Civil Liability

  • Water damage

  • Fires

  • Broken Glass

  • Electrical damages

  • Theft and Vandalism

From €6 per month

Get your price in 2 minutes with an online quote. The price depends on the surface area and location of your flat. Then, it's up to you to customize your cover!

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  • Is it compulsory to take out home insurance if you live in rented accommodation?

    In Spain there is no law that makes it compulsory to take out home insurance. Generally, if you live in a rented property, your landlord will already have a home insurance policy. However, it is advisable to take it out as this way you can protect the contents of the home (e.g. furniture and objects that belong to the tenant). In addition, some landlords do not have homeowner's insurance, so if there is a claim, it is the tenant's responsibility.

  • What does home insurance for tenants cover?

    In Luko we have several packs to cover all the needs of our customers. You can add or remove guarantees according to your needs. But don't worry, the most important things will always be covered.

  • What happens if I have a problem and I don't have home insurance?

    If the homeowner has home insurance, the building will be covered. However, the contents (i.e. your furniture and personal belongings) will not be covered and you will have to pay for their replacement.

    If the homeowner does not have homeowner's insurance, you will have to pay for part or all of the damage, depending on the agreement you have reached beforehand.

  • Who is covered by home insurance?

    The home insurance covers all the people living in the home. You can add or remove beneficiaries directly from the app.

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