lalux, the first Luxembourgish insurance company since 1920.

It is not always legally mandatory, but it is highly recommended. In some cases (rental or credit), it may be required.

A home insurance generally covers:Fire, water damage, stormsTheft and vandalismGlass breakagePrivate civil liability

Yes, easyPROTECT solutions can be customized according to your profile: tenant, homeowner, house, or apartment.

A wide range of home insurance plans are available on the market. They cover fire and related events, electrical damage, household damage, water and freeze damage, glass breakage, storms and hail damage, earthquakes, theft. lalux offers you various options providing ultra-complete guarantees, such as coverage for breakage and theft of portable computer equipment, audio-visual and home appliances.

Your spouse not legally separated, your partner linked by a civil partnership, or cohabitant, benefits from the guarantees of your home insurance. Make sure that the insured sum for furniture is suitable and considers your partner’s personal effects.You can choose to name them specifically in the contract.In Private Life Liability coverage applies to any unmarried person who, not having their own home or dwelling, lives habitually in domestic community with the policyholder.

The term 'valuable objects' includes:jewelry, statues, paintings, rare and precious items with a value per item equal to or greater than EUR 550 at index 100 (consumer index);collections of stamps, coins, medals, postcards, engravings, prints, carpets, furs, with a value per collection or item equal to or greater than EUR 1,100 at index 100 (consumer index);antique furniture with a value per piece equal to or greater than EUR 2,200 at index 100 (consumer index);The coverage for all defined valuable objects is limited to a maximum of 40% of the insured amount on Furniture, without exceeding 20% of the insured amount on Furniture for jewelry.

You can carry out the repair work yourself. Just ensure that it is accepted by the insurer, who wants the work done professionally. Usually, an expert or inspector from the insurance company is sent to evaluate the extent of the damage and the scale of the work. If you do the repair work yourself, the company reimburses you for the supplies and materials used and also grants you a flat fee for your labor.

If you have been a victim of burglary, try to stay calm and follow these few tips:notify the police as soon as possible and file a complaint;do not remove any trace before the police officers arrive;take essential steps to prevent a second theft. Have a new lock installed or replace the broken window. Keep the replaced items as they may be helpful for the investigation;notify your insurance agent or LALUX of the incident occurrence;make an initial inventory of the stolen items. Do not forget to include “Subject to further findings” as it is common to realize only after a few days that some items that are not in regular use are missing. Gather invoices, appraisals, or other evidence to attach to this inventory.