Home insurance plans tailored to your needs
Your home is much more than just a building: it's your sanctuary, your living space, the place where your projects and memories are built.
With easyPROTECT Home, your lalux agency – Yves Penny – offers you comprehensive, flexible, and adapted multi-risk home insurance in Luxembourg to your reality. Whether you are moving into your first apartment, building your house or renovating your home, easyPROTECT Home suits your situation.
Homeowner or tenant, single or large family, you benefit from a modern solution that protects your assets and simplifies your daily life.
easyPROTECT Home offers you a choice between three levels of protection: Sécurité, Confort, and Performance. Each plan includes essential guarantees and can be completed according to your expectations.
Beyond traditional coverage, our plans integrate innovative guarantees to protect your IT equipment, audiovisual, and household appliances, which have become essential in every home.
"Security" formula:
solid and complete home protection
The Sécurité plan constitutes the foundation of reliable home insurance in Luxembourg.
✔ Fire, collisions and ancillary risks
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Fire, lightning, explosions, and implosions
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Electrical damage (short circuits)
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Falling or hitting of third-party objects (vehicle, airplane, animal)
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Household damages
✔ Water damage
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Leaks, infiltration, and freezing
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Oil leak
✔ Burglary and property damages
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Theft of furniture
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Theft of domestic animals
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Vandalism
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Building deteriorations
✔ Glass Breakage
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Windows, doors, and sanitary equipment
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Verandas, greenhouses, winter gardens
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Solar panels
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Glass ceramic plates
✔ Climatic hazards
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Storm, hail, snow, and ice
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Earthquake
This plan covers the major risks that can affect your home and belongings.
Comfort Package:
enhanced protection for your equipment
In addition to the guarantees from the Sécurité plan, the Confort plan includes extended protections:
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Repair without depreciation of electrical and electronic appliances
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Decontamination of soil in case of accidental pollution
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Theft of terrace and garden furniture (including BBQ)
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Weather damage to outdoor furniture
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Theft of potted plants
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Re-equipment with new non-portable computer equipment for 5 years
You benefit from compensation at replacement value, avoiding any deduction related to wear and tear.
Performance Package: premium home protection
The Performance package offers high-end coverage, ideal for maximum security.
✔ New-for-old replacement for 5 years
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Portable computer equipment
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Non-portable audiovisual equipment
✔ Worldwide protection 24/7
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Breakage and theft of electronic devices
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Breakage and theft of portable computer equipment worldwide
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Theft and loss of luggage worldwide
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Theft of personal effects abroad
✔ Specific risks often excluded elsewhere
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Sewer backflow and overflow
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Rainwater accumulation and runoff
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Flooding
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Graffiti
In an increasingly unpredictable climate context, these guarantees offer essential security.
Optional guarantees for tailored insurance
Whichever plan you choose, you can enhance your policy with:
✔ Family Liability
It covers damages caused to third parties by you, your spouse, your children, or anyone living under your roof.
✔ Legal Protection
Covers legal fees, expert fees, and procedures to defend your rights.
✔ Internet Protection
Coverage against risks related to the use of the internet.
✔ Home Assistance
Home repair service: broken boiler, water leak, faulty appliance... Just one call and a professional will intervene.
✔ All-Risk Insurance & valuables
Worldwide protection against theft or accidental damage to your precious possessions.
✔ Private Construction Liability
Ideal if you're building your home: specific coverage during the construction period.
Coverage tailored for students
Young people under 30 who are studying in Europe and living in student accommodation are covered for material damage (fire, water damage, glass breakage).
Why choose lalux – Yves Penny agency?
By choosing my agency, you benefit from:
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Personalized and human support
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The strength of the lalux ASSURANCES group
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Fast and efficient claims management
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Clear and suitable home insurance in Luxembourg
I analyze your needs to offer you a house or apartment insurance perfectly adjusted, with the best balance between protection and budget.
Travel Insurance
Your travel insurance in Luxembourg for worry-free travel
Traveling means discovering, relaxing, exploring. Whether for a family vacation, a city trip, a sports vacation, or a long-distance adventure, every departure should be synonymous with serenity.
With easyPROTECT Voyage, your lalux agency – Yves Penny, offers you a complete travel insurance in Luxembourg, designed to protect you before, during, and after your trip.
Because an unforeseen event can occur at any moment: illness, accident, cancellation, lost luggage; we support you with clear, effective, and tailored solutions to your traveler profile.
Why take out travel insurance?
A trip often represents a significant budget and can involve unexpected events. In case of cancellation, health issues abroad or lost luggage, the costs can quickly become substantial.
Subscribing to travel insurance allows you to secure your expenses, benefit from 24/7 assistance, and depart with peace of mind, with coverage adapted to your situation.
With easyPROTECT Voyage, you enjoy a flexible solution, tailored to your profile: occasional travel, frequent trips, long stays, family or business trips.
Global protection 24/7
With easyPROTECT Voyage, you benefit from international coverage, supporting you anywhere in the world under the contract conditions. A simple call is enough to activate assistance in case of emergency.
Our priority: to offer you quick and efficient support, no matter your destination.
Comprehensive coverage before and during your stay
✔ Trip Cancellation and Interruption Insurance
If you need to cancel or shorten your stay for a covered reason (illness, accident, serious unforeseen event), expenses incurred can be reimbursed according to the terms of the contract.
✔ Medical Assistance Abroad
In case of illness or accident during your trip, you benefit from:
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Medical expenses covered
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Organized repatriation if necessary
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24/7 assistance
Traveling abroad thus becomes safer, even far from home.
✔ Baggage and Personal Effects Protection
Your baggage, documents, and personal items can be covered in case of theft, loss, or damage. Whether at the airport, hotel, or during travel, you are protected.
✔ Liability Abroad
If you inadvertently cause damage to a third party during your trip, liability coverage may apply.
