Protect your main or second home against any damage it might suffer: fire, flood, theft. It also covers your civil liability and that of the people you live with.
Your landlord or letting agency will ask for a certificate of insurance before handing over the keys. At Lovys, we offer affordable tenant home insurance. Tailor your policy by choosing the cover and options that suit you best.
It covers the risk of damage to your rental property, as well as your civil liability as a non-occupying owner. Whether you fall victim to a burglary, a flood or a careless tenant, Lovys landlord insurance is made for you!
You tailor your cover to your profile (homeowner, tenant, landlord), the value of your contents and your excess (the amount you pay yourself in the event of a claim). From quote to customisation and signature, everything is done online in two minutes.
Your policy is taken out for the legal term of one year and renewed every year. This annual period guarantees you a fixed price as long as your situation does not change. But because we are the first insurance that’s truly like you, we let you cancel your policy free of charge, with at least 30 days’ notice before it takes effect. How? Simply click “Cancel my policy” in your client space. If you are moving home, just click “I’m moving” and our team will take care of the rest.
In insurance, the excess is the amount you pay yourself in the event of a claim. For example, say you have chosen a €150 excess and you suffer a loss with a repair bill of €500. Lovys will cover the €500 of damage minus your excess, i.e. a total payout of €350 (= 500 – 150). At Lovys, you choose the amount of your excess when you get a quote. What’s more, your monthly premium varies depending on the excess you choose! The higher the excess, the lower your monthly premium.
It’s not just people who live next to a football pitch who end up with broken windows. Lovys covers your repairs in the event of glass breakage.
You are protected against the theft of your belongings, as well as attempted break-ins and vandalism. For example, if your computer is stolen during a burglary at your home, you are covered.
This option gives you compensation based on the item’s current value, plus a top-up to offset wear and tear, capped at 25%. For example, if an item has lost 30% of its value, we will only deduct 25%. With this option, you reduce the impact of wear and tear on the compensation you receive for your belongings!
Have your electrical appliances been damaged by a power surge? With this option, you’re covered.
Travel with peace of mind... Protect yourself against damage and theft in your holiday rentals anywhere in the world.
If you let one of your rooms temporarily or permanently, or rent out your home for the holidays, for example, we cover your civil liability.
To protect the fine wines you keep for special occasions.
A pool with a faulty filtration system is a nuisance. Protect yourself against these potentially costly risks.
Don’t worry about finding your sun lounger in your neighbour’s garden after a storm. Your garden furniture, hot tubs, spas, renewable energy installations and trees are covered up to €8,000.
Already insured? We take care of all the paperwork if you are insured with another company. When you sign up, ask us to handle the cancellation formalities: we contact your previous insurer and everything is sorted within 30 days. There’s nothing more for you to do.
At Lovys, your home insurance cover extends to your loved ones. Simply add your partner, your children and any flatmates named on the lease. No one gets left out: everyone in your household is included in the same policy.
Our home insurance has no lock-in. You can change your policy at any time and cancel it free of charge, with at least 30 days’ notice before it takes effect. No need for a recorded-delivery letter: a few clicks are all it takes to break our hearts.
When you take out your policy, it is essential to declare the correct number of rooms so that we can properly protect your home.
These are all your “living spaces”, such as your living room or bedroom.
Your kitchen, bathroom, entrance hall, corridors, dressing room, utility rooms, cellars, storerooms, toilets, boiler room, attic, etc. are already taken into account by Lovys, so there is no need to count them.
If you have an open-plan kitchen, its floor area will be counted as part of the living space it is in.
Let’s keep it short and sweet! For the payment of your Lovys premiums (excluding the first monthly payment), you have two options:
Have you lost and blocked your bank card, or changed bank accounts? Here’s how to add or change a payment method:
As a reminder, when you sign up, we ask you to pay your first premium by bank card. Once you have paid by card, the amount of your first premium will be debited.
You can then change your payment method to add your bank details and avoid the risks of your card being lost or stolen. You can easily make the change from your profile in your Lovys client space:
If you can’t find your address when getting a quote, don’t panic:
If your address still isn’t recognised, click the “Type your address manually” button, enter your address in the field provided and click “Continue”.
Still can’t find the address of your home? Click “Continue” anyway; you will then be able to edit your home address manually. If it still isn’t recognised, contact us at support@lovys.com.
Our offer includes 24/7 assistance, so you can get help at any time of the day or night if something goes wrong or you have an accident. This includes, for example, locksmith and plumbing services, or rehousing if an accident makes your home uninhabitable.
