Home insurance: for tenant or owner :
- complete coverfor climatic events (including flood cover )
- a comprehensive package including add-ons that cover you for all risks and all locations.
- 24/7 support
Whether you are a tenant or an owner, of an apartment or a house in Luxembourg: HOME is the assurance of having a home insurance policy adapted to your home and your lifestyle.
-
The assurance of having a contract that suits you
-
Simple, comprehensive covers for your day-to-day needs (dog, children, house, garden...)
-
Comprehensive package including add-ons that cover you for all risks and all locations
- A “satisfied or your money back” contract, thanks to the 30-day waiver right
- Comprehensive cover for climatic events (including flood cover)
- Essential guarantees included in the "Essentielle" plan
In cas of emergency :
- Water damage
- A broken window
- A short circuit that causes your washing machine to burn out...
The guarantees
- Fire and similar events
- Storm / Hail / Snow
- Flood
- Attacks and acts of terrorism
- Water / ice damage
- Broken glass
- Assistance
- Electrical damage
- Civil Liability for property
- Legal defence
- Costs and losses / additional guarantees
- Theft / vandalism
- Refurbishment
- Multimedia pack (mobile equipment)
- Valuable / art objects pack
- Precious objects / jewellery pack
- Leisure items pack
- Sustainable mobility equipment pack
- Garden / swimming pool pack
- Loss of liquid / damage to tanks pack
- Renewable energy pack
- Wine cellar pack Alcohol and food
- Personal civil liability
The guarantees
- Fire and similar events
- Storm / Hail / Snow
- Flood
- Attacks and acts of terrorism
- Water / ice damage
- Broken glass
- Assistance
- Electrical damage
- Civil Liability for property
- Legal defence
- Costs and losses / additional guarantees
- Theft / vandalism
- Refurbishment
- Multimedia pack
- Valuable / art objects pack
- Precious objects / jewellery pack
- Leisure items pack
- Sustainable mobility equipment pack
- Garden / swimming pool pack
- Loss of liquid / damage to tanks pack
- Renewable energy pack
- Wine cellar pack Alcohol and food
- Personal civil liability
The guarantees
- Fire and similar events
- Storm / Hail / Snow
- Flood
- Attacks and acts of terrorism
- Water / ice damage
- Broken glass
- Assistance
- Electrical damage
- Civil Liability for property
- Legal defence
- Costs and losses / additional guarantees
- Theft / vandalism
- Refurbishment
- Multimedia pack (mobile equipment)
- Valuable / art objects pack
- Precious objects / jewellery pack
- Leisure items pack
- Sustainable mobility equipment pack
- Garden / swimming pool pack
- Loss of liquid / damage to tanks pack
- Renewable energy pack
- Wine cellar pack Alcohol and food
- Personal civil liability
The guarantees
- Fire and similar events
- Storm / Hail / Snow
- Flood
- Attacks and acts of terrorism
- Water / ice damage
- Broken glass
- Assistance
- Electrical damage
- Civil Liability for property
- Legal defence
- Costs and losses / additional guarantees
- Theft / vandalism
- Refurbishment
- Multimedia pack
- Valuable / art objects pack
- Precious objects / jewellery pack
- Leisure items pack
- Sustainable mobility equipment pack
- Garden / swimming pool pack
- Loss of liquid / damage to tanks pack
- Renewable energy pack
- Wine cellar pack Alcohol and food
- Personal civil liability
Portable multimedia devices such as:
- mobile telephone devices
- touchscreen tablets,
- guiding devices,
- connected watches and headsets,
- laptop computers,
- sound and/or image recording devices,
designed to be transported and used in a mobile way.
This guarantee covers:
- Sports equipment, excluding sustainable mobility items.
- Leisure items for cultural use (musical instruments, etc.).
- Hunting, fishing or camping equipment.
Sustainable mobility items include:
- Bicycles and electrically assisted bicycles.
- Vehicles designed for one person, without a passenger seat, which can go up to 25km/h and using a non-thermal engine or non-thermal assistance. They may have a saddle if a gyroscopic stabilisation system is present.
The following are guaranteed in this pack:
- Photovoltaic solar panels, attached to or integrated into an insured building.
- Thermal solar panels, attached to or integrated into an insured building.
- Heat pumps.
- Domestic wind turbines under 12 metres high.
- Geothermal and aerothermal installations.
Dans ce pack on entend :
This pack includes:
For the garden:
- garden furniture,
- garden tools including robotic lawn mowers
- greenhouses and garden sheds when not fixed to the ground and not considered outbuildings
- outdoor installations such as porticoes, carports, pergolas, etc.
- barbecues and other outdoor cooking devices
- automatic watering installation, water collectors and garden lighting
- land enclosures such as fences, reeds, etc.
For the swimming pool:
- outdoor or indoor swimming pool, spa or jacuzzi, their surroundings and pipes allowing their supply
- swimming pool dome and cover, as well as safety elements
- electrical devices related with operation of the swimming pool, etc.
These are watches, jewellery, gems, fine pearls and objects made of precious metals which each have a new replacement value, or failing this, an average price of a comparable item of over €500.
This is a non-exhaustive list of the add-ons available. For a complete list, ask your agent.
Each add-on is available with 3 guarantee levels based on the value of the assets to be insured.
For example, you own a house with solar panels and you are a fan of cycling. You can subscribe to the sustainable mobility add-on and the renewable energy add-on at the coverage level that suits you:
| Add-on type | Level 1 | Level 2 | Level 3 |
|---|---|---|---|
| Sustainable mobility | €2,500 | €5,000 | €10,000 |
| Renewable energy |
€10,000 | €20,000 |
€30,000 |
Apartment insurance 100% online, 24/7, for tenants & owners.
Find your nearest agent
We will be happy to answer any questions you may have.
In Luxembourg, home insurance is not legally obligatory. However, it is strongly recommended to take out a home insurance policy to protect your home and personal belongings in the event of fire, theft, water damage or other accidents. Additionally, if you contracted a mortgage to buy your home, the bank may require you to take out a home insurance policy as a condition of the loan.
The average cost of home insurance can vary considerably depending on several factors: are you a tenant or an owner, do you have an apartment or a house? What is the value of your personal belongings, what type of coverage have you chosen? Did you take any options? The price may also vary from one insurance company to another. It is therefore difficult to give a precise figure for the average cost of home insurance, as it can vary from one situation to another. The best solution is to contact us for a free quote, so that you can get a clear idea of the cost of the insurance.
The risks covered by home insurance can vary depending on the insurance company, the type of policy you take out and the guarantees you subscribe to. However, the following are generally the risks most often covered by standard home insurance:
- Fire: most home insurance policies cover damage caused by fire, whether to the structure of the house itself or to personal belongings inside.
- Electrical damage: electrical or electronic damage caused to residential equipment and installations considered to be an integral part of buildings, both inside and outside of them.
- Storms, hail and snow: the material damage caused by storms, hail, the weight of snow or even an earthquake.
- Water damage: this includes material damage caused by water leaks or burst pipes.
- Broken glass: accidental breakage or cracking of windows, patio doors, bay windows, fanlights, roof windows, skylights, glass partitions and glass parts of doors, among other things.
It is important to read your home insurance policy closely and to speak to your insurer to understand exactly what is covered and what is not. You can also personalise your policy by adding additional guarantees to cover specific risks based on your home and lifestyle. Each home insurance policy may have different exclusions and limits; it is therefore essential to fully understand your contract to be properly protected in case of a claim.
Are you a tenant or owner of an apartment? : Baloise has the solution for you: GoodStart, the online apartment insurance!
GoodStart is fully online apartment insurance designed to make your life easier. Whether you are an owner or tenant, just provide some information on your apartment and you will have the price of your GoodStart insurance online. You can take out your insurance policy from the comfort of your home in just 10 minutes.
Home insurance does not in itself include personal civil liability insurance. It is possible and advisable to add civil liability insurance as an additional guarantee.
First of all, it is necessary to file a claim declaration. It is possible to make your declaration via myBaloise.
You should provide detailed information to make a complete claim declaration. The more complete your declaration, the faster you will be reimbursed.
In this blog article, you'll find 10 things you should remember when making a claim.
Do you have a home that you rent to others?
You can take out a Home insurance policy by adding specific optional guarantees for non-occupant owners. These may cover financial consequences due to:
- unpaid rent
- property deterioration
Manage your contracts, claims and invoices in just a few clicks, 24/7, thanks to the myBaloise customer area.