Unpaid rent

Up to 12 months’ unpaid rent

mozaïk offers custom insurance for home owners looking to rent their properties with total peace of mind. Foyer offers cover to protect your investment and keep unforeseen events from affecting your income!

I insure my property
income

Your cover

You have essential guarantees to protect your rental property.

Building owner third-party liability

This special insurance covers you for damage caused to third parties by maintenance, repair and renovation works.

Rent reimbursement

What if your tenant stops paying rent? We will cover your rent and utilities for 12 months. It won’t affect you at all!

Legal cover for unpaid rent

We take care of legal and extra-legal fees related to unpaid rent and even eviction costs.

Damage caused by tenants

Some damage is covered by tenant’s insurance, but mozaïk covers the cost (up to six months’ rent) of restoring your property in the event you notice damage caused by the tenant during the final status report when they are moving out.

Eco-energy cover

Your renewable energy installations such as geothermal, hydroelectric, wind turbine, solar panel, heat pump, biomass, condensing boiler and micro CHP boiler systems are insured for breakage and construction defects. We also cover loss of electricity production.

Building owner legal expenses

In the event of a dispute with a tenant, professional or service provider, we help you through the process and cover the cost of your legal, expert’s and bailiff’s fees.

24/7 assistance

We will immediately send a professional to handle emergency heating breakdowns, water leaks, blocked pipes, etc.

Simplicity

All of your property covered under a single policy.

Personalised advice

You need to be reassured and advised in difficult times. That’s why our network of agents is here for you.

Which types of insurance are required in Luxembourg?

Although many types of insurance are essential, not all of them are required. This is particularly the case for private liability insurance, home insurance and supplementary health insurance. This article will help clarify the situation and answer your questions about what’s required, what’s necessary and what’s simply useful.

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What is third party liability insurance and why is it so important?

Third party liability is the most important, and sometimes mandatory, element of a motor or a personal insurance policy. It makes sense, as this principle is one of the pillars of society – who breaks pays. Well, not quite, that is what third party liability insurance is all about, it comes into play on your behalf and protects your money.

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6 mistakes to avoid when taking out a home insurance policy

In 2020, the Grand Duchy had about 265,000 households, including over 170,000 owner-occupiers. Home insurance isn’t a legal requirement in Luxembourg, but is nonetheless highly recommended. Tenants will often find it’s a mandatory requirement in their rental agreement. Yet, many don’t do their homework, which can cost them dearly when they make a claim. So before you take out a policy, learn about the 6 mistakes to avoid and ensure you get the best cover.

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Foyer blog

Find all our advice on the blog

You can discover all our articles written by experts to help you understand the world of insurance, give you the best advice and above all, help you prevent risks in your everyday life.

The insurance check-up, the central instrument of our advisory approach

As an insurer, our role is to guide you towards the type of coverage most suited to your daily activities so that you feel fully protected.

To help everyone clarify their situation, we have developed what we call the “customer assessment“. It’s a simple, intuitive tool that provides an overview of your insurance needs, defines your priority requirements and your medium- and long-term prospects, and guides you towards a personalised solution.

To take advantage of this service, just make an appointment with a Foyer agent, it’s free and with no obligation.

MyFoyer Client Area

In your MyFoyer client area, you can view your contracts, request a tax certificate or update your personal details.

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By requesting our services, you are informed that Foyer Group (Foyer Assurances, Foyer Santé, Foyer Vie and Foyer Arag, Raiffeisen Vie, Foyer Distribution) is authorised to contact you for pre-contractual purposes.

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