Renter's home insurance in Luxembourg: what you need to know
Renter's home insurance in Luxembourg is not mandatory by law, but it may be required in leases. Without insurance, the tenant alone is responsible for the costs in the event of a claim. An insurance certificate is usually requested upon taking possession of the premises.
Technically, no Luxembourg law requires that the tenant take out home insurance .
However, the vast majority of owners and real estate agencies in Luxembourg include this obligation in the lease agreement. Specifically, you will need to provide an insurance certificate when you receive the keys.
What to remember:
- No legal obligation in the strict sense in Luxembourg
- Obligation that may be imposed in the lease
- You may be asked for an insurance certificate upon taking possession of the premises
- If you do not have insurance, any consequences of a claim will be your responsibility
It covers any damage you may cause to the rented property and that for which you are responsible as a tenant.
Damage resulting from the following is typically covered:
- fire or fire damage
- water damage
- an explosion
- ...
Water damage that is not covered could quickly generate significant costs.
The contents guarantee (movable property)
This coverage protects your belongings and furniture against the same types of damage: fire, water damage, but also theft, vandalism or broken glass.
The following are generally covered:
- Furniture and appliances
- Electronic and multimedia devices
- Garments and personal effects
- Valuables (with specific ceilings according to the contract)
Each contract has guarantee exclusions that are important to read before signing. Common exclusions include:
- Damage caused intentionally
- Normal wear and tear of the unit
- Claims resulting from a clear lack of maintenance
- Certain natural events depending on the level of coverage chosen
- Items of value beyond a certain amount (jewellery, works of art) without a specific declaration
Good reflex: read the terms and conditions of your contract carefully, particularly the section on deductibles and compensation ceilings.
Before subscribing a policy, ask yourself the right questions:
- Does the level of coverage match the value of your assets? Take a quick inventory of your furniture and equipment.
- What is the amount of the deductible? The lower it is, the more comfortable the compensation will be in the event of a claim.
- Are the guarantees included sufficient? Compare basic formulas and available options.
- What are the deadlines and procedures for declaring a claim? A quick and simple process is an important comfort criterion.
What to do in the event of a claim?
As soon as an incident occurs in your unit, a few things to remember to make it easier to manage:
- Secure the premises if necessary (cut off water, electricity)
- Document the damage with dated photos or videos
- Notify the owner as soon as possible
- Report the claim to your insurer within the period specified in the contract (often 5 working days, 2 days in case of theft) You can contact your agent or submit your claim directly via myBaloise.
- Keep supporting documents: purchase invoices, repair quotes, written exchanges
Renter home insurance in Luxembourg is not a legal requirement, but it is almost always stipulated in tenancy agreements and remains an essential form of protection for any tenant in the event of a claim.
Please feel free to contact one of our agents for a personalised quote.
No, there is no Luxembourg law imposing this obligation on tenants. However, the vast majority of leases require this contractually. Not being insured exposes you to the risk of having your lease terminated.
It covers the damage you cause to the rented property and to third parties: fire, water damage, explosion. This is the minimum guarantee typically required by homeowners.
Even without a contractual obligation, taking out home insurance is strongly recommended. An uncovered claim may result in your personal liability for significant amounts.
The main difference lies in the extent of coverage and the responsibilities assumed. A tenant essentially insures their rental liability and personal property, while a landlord must protect the structure of the building and may add specific guarantees.