Your Holiday Home in Luxembourg Well Insured
Luxembourg, it Grand Duchy, is a hidden gem for one second home. Just a 3-hour drive from the Netherlands you will find the enchanting rock formations of Little Switzerland, the majestic castles of Viandand and Clervaux, and the vineyards of the Moselle valley.
Eand Dutch holiday home insurance offers important benefits for your Luxembourg home: All-risk coverage, Dutch service without language barrier and simple claims handling. Luxembourg has harsh winters, which makes it good frost cover is essential.
The small country is big nature and culture: 600+ km of cycle paths, the famous 112 km long Mullerthal Trail and more castles per square kilometer than anywhere else in Europe.
Where is your holiday home located?
Mullerthal (Little Switzerland)
Enchanting rock formations, waterfalls and the famous Mullerthal Trail. UNESCO Global Geopark.
Éislek (Lux. Ardennes)
Dense forests, deep valleys and fairytale castles. The northern paradise.
Moselle & Guttland
Vineyards along the river, the Valley of the Seven Castles and the capital.
🏰 Luxembourg: Land of Castles
Luxembourg has the highest castle density in Europe. Popular castles and fortresses:
- 🏰 Vianden Castle: One of the most beautiful Gothic castles in Europe
- 🏰 Château de Clervaux: 12e-eeuws kasteel met "Family of Man" tandtoonstelling
- 🏰 Bourscheid castle ruins: Largest castle ruins in Luxembourg
- 🏰 Valley of the Seven Castles: 37 km walking route past 7 castles
What is insured?
Fire & Explosion
Damage due to fire, explosion, lightning strike and soot deposits.
Storm & Wind
Damage from storms, hail and precipitation. Essential in wooded Luxembourg.
Water damage
Leakage, pipe rupture, precipitation and freezing damage.
Burglary & Theft
Theft with signs of forced entry and vandalism by third parties.
Glass breakage
Breakage of windows, doors, windows and sun blinds.
liability
Homeownership and damage to third parties up to €500,000.
❄️ Winter risks: Severe Luxembourg Winters
Luxembourg has cold winters, especially in the northern Éislek. This entails specific risks:
- ❄️ Frozen pipes: During prolonged frost, pipes can freeze and burst
- ❄️ Snow pressure: Heavy snowfall can damage roofs
- ❄️ Wooden constructions: Moisture can cause wooden doors to swell
- ✓ Frost measures: Drain pipes or keep heating on
- ✓ Enable neighbors: Have it checked regularly if it is vacant
- ✓ Antifreeze: Use antifreeze in pipes
💡 Damage due to frozen pipes due to negligence is not covered. Take frost measures!
🇳🇱 vs 🇱🇺 Dutch or Luxembourg Insurance?
🇳🇱 Dutch Policy
- ✓ All-risk coverage possible
- ✓ Dutch service, no language barrier
- ✓ Reconstruction value €2,500/m²
- ✓ Vacancy covered as standard
- ✓ Rental also insured
- ✓ Return cover (travel costs)
🇱🇺 Luxembourg Policy
- → Assurance habitation locally
- → French/German/Luxembourgish
- → Local insurer (Foyer, LALUX, AXA)
- → Insurance not required
- → Climate risks are becoming increasingly important
- → Separate WA for guests required
💡 Advantage of the Dutch policy: one point of contact in your own language, fast service and short distance.
🔑 Rental: Family, Friends & Holiday Guests
Do you rent your holiday home in Luxembourg? With our insurance you are covered:
- ✓ Rental up to 26 weeks/year: To family, friends or holiday guests
- ✓ Platforms: Airbnb, Booking.com also insured
- ✓ Guest liability: Damage to guests covered up to €500,000
- ⚠️ WA guests: Ask guests for their own liability insurance
- ⚠️ Deposit: Request a deposit for damage caused by guests
- ⚠️ Own use: Rental only in combination with personal use
⭐ All Risk Coverage: Maximum Protection
With all-risk coverage you are insured against all unforeseen damage from outside:
- ✓ Basic coverage: Fire, explosion, lightning, storm, hail
- ✓ Extensive: + Burglary, theft, vandalism, water damage, glass breakage
- ✓ All risk: + All unforeseen external damage
- ✓ Wild damage: E.g. wild boars that damage fencing
🌲 Natural risks in Luxembourg
Luxembourg is a forested country with specific natural risks:
- 🌪️ Storm: Falling trees in wooded areas
- 💧 Floods: Along the rivers Our, Sûre and Moselle
- 🐗 Wild damage: Wild boars damaging gardens and fences
- 🌧️ Landslides: After heavy rainfall in hilly terrain
NB: Climate risks are increasingly being included in Luxembourg policies.
💰 Premium indication Holiday home Luxembourg
| Type of property | Reconstruction value | Premium/month |
|---|---|---|
| Apartment | €100,000 - €200,000 | €15 - €28 |
| chalet Mullerthal | €150,000 - €250,000 | €20 - €38 |
| Holiday home Ardennes | €200,000 - €350,000 | €28 - €48 |
| Villa with garden | €350,000+ | €40 - €65 |
| Insure household contents | €15,000 - €50,000 | +€8 - €18 |
* Homes in wooded areas may be slightly more expensive (storm risk). Allrisk is approximately 20% more expensive.
⚠️ Not Covered / Exclusions
- ✗ Permanent residence: Only as a second home
- ✗ Poor maintenance: Damage due to overdue maintenance
- ✗ Vandalism by tenant: Damage by tenants themselves
- ✗ Commercial rental: More than 26 weeks/year without personal use
- ✗ Freezing negligence: No frost measures taken
💡 Tips for Your Holiday Home in Luxembourg
- ✓ Choose Dutch policy: Service in your own language, short distance
- ✓ Frost measures: Drain pipes or turn on heating in winter
- ✓ Enable neighbors: Have it checked regularly if it is vacant
- ✓ Security: Good locks, possibly alarm (risk of burglary in second home)
- ✓ Guest deposit: Request a deposit for damage caused by tenants
- ✓ Quickly on site: In case of damage you will be present within ±3 hours
✈️ Extra Coverage: Return & Keys
- ✓ Return coverage: Travel and accommodation costs will be reimbursed in the event of an emergency
- ✓ Accommodation costs: If the home is uninhabitable upon arrival
- ✓ Lost keys: Costs for replacement locks will be reimbursed
- ✓ Art objects: Up to €5,000 co-insured
- ✓ Garden construction: Up to €10,000 covered
