No single Luxembourg home insurer is best across all profiles — the right choice depends on what matters most for your situation. Foyer Mozaïk has the widest à-la-carte optional structure in the Luxembourg market and is the only insurer offering an explicit rent guarantee option for non-occupant landlords. LALUX easyPROTECT Performance automatically covers green energy equipment — solar panels, heat pumps, EV chargers — without any add-on. Baloise Home is the only insurer where flood coverage is included in the base formula, relevant for properties in river-adjacent areas. AXA OptiHome includes 24/7 emergency assistance and theft in every base contract, with online subscription available. Each insurer has a clear differentiator — matching yours to your profile is what this site is for.
Coverage match by profile
Six common Luxembourg profiles and the key coverage differences to consider.
The only formula that automatically includes green energy equipment (solar panels, heat pumps, EV chargers, wind turbines) and flood protection — without any add-on required at subscription.
The only insurer with an explicit loyer garanti option for unpaid rent, combined with RC propriétaire non-occupant and property deterioration cover — all named in the coverage documentation.
Only insurer with flood included in both base formulas (Essentielle and Intégrale). Coverage cannot be accidentally omitted at subscription — no optional add-on required.
Emergency@home (€400/call, 24/7) and theft (€5k limit) included as standard. Available online. Well-suited for new arrivals needing straightforward, fast coverage setup.
Widest à-la-carte optional ecosystem in the Luxembourg market: eco-energy, art & precious collections, private life accidents, travel — fully customisable to your household.
Three clearly tiered formulas — choose exactly what you need. Sécurité covers the essentials; Confort adds theft and vandalism; Performance adds flood and green tech. No unnecessary extras.
All four home insurers regulated by the CAA Luxembourg
Three tiers: Sécurité (essentials), Confort (+ theft, vandalism), Performance (+ flood, green energy, electronics). 80% of clients choose Performance. Special product for 15–27 year-olds: easyPROTECT Discover.
3 formulasActive for apartments, Privilège for houses. Emergency@home assistance (€400/call, 24/7) included in all base contracts. Up to 10% premium discount when combining multiple optional packs.
Online signupThe only insurer with flood included in both base formulas. GoodStart platform for 100% online apartment subscription. Part of Helvetia Baloise Group. Dedicated green energy pack (3 coverage levels).
Flood in baseÀ-la-carte modular structure. Only insurer offering loyer garanti and accidents de la vie privée as named options. 100% Luxembourg company (est. 1922). Widest optional pack ecosystem in the market.
Landlord specialist3 questions that shape your choice
Are you near a river?
If within a flood-risk zone near the Alzette, Sûre, Pétrusse or Moselle — Baloise is the only insurer that includes flood in the base formula. All others require an optional add-on.
Do you have solar / EV equipment?
LALUX Performance includes green energy equipment automatically. Other insurers require a specific add-on — easy to miss at subscription time.
Tenant or homeowner?
Tenants need RC locataire + contents. Owners also need building coverage. Each insurer structures this differently — use the Coverage Navigator to see which formula fits your exact situation.
Sources: official coverage documentation published by LALUX, AXA, Baloise and Foyer · Commissariat aux Assurances Luxembourg (caa.lu). For a full comparison of home insurance in Luxembourg, visit the independent comparison platform Switchr.lu.