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Home Insurance
Protect your home and everything you have worked hard to build with apartment and homeowners insurance from Lux Pay. Designed to safeguard your property and personal belongings against unexpected events, our solutions provide reliable protection and lasting peace of mind — so you can enjoy your home with confidence and security.
My Apartment & Home Insurance from Lux Pay
Unexpected events such as fire, storms, water damage, or burglary can occur without warning. With Lux Pay apartment and homeowners insurance, you can protect both your property and personal belongings, including liability coverage, for complete peace of mind.
Advantages of Home or Apartment Insurance from Lux Pay
No Underinsurance Risk
When the insured living area is calculated correctly, you avoid the risk of underinsurance, ensuring full protection in the event of a claim.
Replacement Value Coverage
Damages are reimbursed at full replacement value rather than current market value, allowing you to restore or replace your belongings without depreciation concerns.
Flexible Deductible Option
Choose an optional deductible of €130 to benefit from a meaningful reduction in your insurance premium.
Immediate Coverage
Protection begins from the date of application, ensuring your home is safeguarded without delay.
Basic Natural Disaster Protection
Coverage of up to €10,000 for damages caused by snow pressure, flooding, mudslides, backwater, and earthquakes, providing essential support against severe events.
Construction Phase Protection
When building a home, benefit from premium-free shell construction coverage, including builder’s liability insurance, offering security from the very first stage of your project.
Home insurance
With this home insurance, you’re protected against the main risks to your property. The basic coverage includes:
- Fire
- Storm
- Tap water damage
- Burglary
- Broken glass
- Private and sports liability insurance
- Numerous additional services
This ensures that your household—whether in an apartment or a house—is well protected against the most significant hazards.
Homeowners insurance
Homeowners insurance provides comprehensive protection for your single- or two-family home. The basic coverage includes:
- Fire
- Storm
- Tap water damage
- Building and property liability (including building owner liability)
- Numerous additional services
Coverage extends beyond the house itself to include outbuildings, fences, terraces, trees, hedges, supply and drainage pipes, antenna and solar systems, swimming pools, and more.
