Home insurance premiums in Luxembourg vary depending on your housing profile, the formula you choose, and the options you activate. For a tenant in an apartment, annual premiums typically fall between €180 and €360/year for a standard coverage profile. Owner-occupants of apartments generally pay €280–€500/year. Owners of houses range from €400–€800/year. Non-occupant landlords should expect €300–€650/year. These are indicative market ranges — your actual premium depends on your specific address, surface area, contents value, claims history, and the options selected. Request a personalised quote for a precise figure.
Indicative annual premium ranges by housing profile
All figures are for standard coverage with a typical options package. Adding flood, green energy, or multimedia options will increase the premium.
What the premium covers at this level
A standard tenant policy includes fire, water damage, glass breakage, storm, electrical damage, and building liability (RC locataire). The premium rises if you add theft protection, personal liability (RC vie privée), or portable electronics coverage. Entering a flood-risk area significantly increases the cost if you add the appropriate option.
The lower end of this range corresponds to basic-tier formulas covering fire and water damage only, with no theft or flood. The upper end reflects a more complete package including theft, personal liability, and one or two optional packs.
What the premium covers at this level
Owner-occupant policies cover both the building structure and contents. The building element includes walls, floors, fixed installations, and glazing. Contents coverage must be declared at subscription — underinsuring triggers proportional payout reductions on claims. A standard package includes theft, emergency assistance, and building liability. Premium rises with flood option, multimedia coverage, and personal liability.
What the premium covers at this level
A house policy includes the complete building structure, all contents, outbuildings (depending on the insurer and options), and typically a personal liability option. The range is wide: the lower end covers a standard house in a low-risk commune with a mid-range formula. The upper end reflects comprehensive coverage including flood, new-value replacement, green energy equipment, multimedia, RC vie privée, and garden/pool options.
What the premium covers at this level
A non-occupant landlord policy covers the building structure, RC propriétaire non-occupant (liability toward tenants and third parties), and optionally: rent guarantee (loyer garanti), property deterioration cover, and legal protection. The premium is lower than an owner-occupant policy of similar size because contents coverage is typically excluded (the tenant's responsibility). Adding flood protection and rent guarantee options brings the premium toward the upper end of this range.
6 factors that determine your premium
Flood-risk communes (Echternach, Ettelbruck, Diekirch) attract higher premiums. Luxembourg City centre varies by district. Rural communes differ significantly.
Both habitable and non-habitable surfaces (garage, cellar, attic) are factored. Each additional 20m² of habitable space typically adds to the base premium.
A furnished 2-bedroom Luxembourg City apartment typically contains €25,000–€50,000 in contents at replacement cost. Under-declaring triggers the proportionality rule at claims time.
A certified alarm system and multi-point locking can reduce theft-related premiums. Check with your insurer which certifications they recognise.
Luxembourg insurers apply bonus-malus systems. Zero claims over 3+ years typically qualifies for discounts. Recent claims (water damage, theft) increase premiums for 1–3 years.
Each add-on (flood, RC vie privée, multimedia, green tech) increases the premium. AXA offers a multi-option discount of up to 10% when subscribing 4 optional packs simultaneously.
Two rules that can reduce your payout
⚖️ The proportionality rule (under-insurance)
If you declare €20,000 in contents but the real replacement value is €40,000, you are 50% under-insured. After a €10,000 claim, your insurer pays only €5,000. Always declare at full replacement cost, not market value.
🏚️ The vacancy exclusion
LALUX easyPROTECT excludes theft after 45 consecutive days of vacancy. Foyer Mozaïk excludes coverage for damages after 120 consecutive days of vacancy. If leaving the property empty for extended periods, notify your insurer in advance.
Premium ranges are indicative market estimates based on broker experience. They are not quotes. Actual premiums depend on your specific situation. Sources: official coverage documentation — LALUX, AXA, Baloise, Foyer · Commissariat aux Assurances Luxembourg (caa.lu). For a full comparison of home insurance in Luxembourg, visit the independent comparison platform Switchr.lu.