Secondary home insurance


To simply insure your cottage in the countryside, your house on the coast or your chalet in the mountains.

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


From €6 per month for your secondary home


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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  • Water damage

  • Fire

  • Natural disaster

  • Pipes

  • Outdoor amenities

  • 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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Frequent questions

  • What is a secondary residence?

    A secondary residence is by definition any other dwelling that is not your principal residence, i.e. a dwelling that you occupy during vacations, weekends or other specific times of the year (as opposed to your principal residence, which is your tax home and where your family permanently resides). You can have several secondary residences, but only one principal residence in the eyes of the law.

  • How much does second home insurance cost?

    This depends on many factors including the location and size of your home. The easiest way is to do a price simulation on our website. Note that insuring a second home is often less expensive than insuring a main home.

  • I rent the same accommodation every year for the vacations, do I have to insure it?

    No, if it is a short-term rental, it is simply a seasonal rental: it is not necessary to insure it because the owner is generally already covered and you normally benefit from a holiday guarantee included in your insurance contract (this is the case with Luko). The rental company may sometimes ask you for a certificate to verify that you are covered for third party liability (civil liability).

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