Home & lifestyle insurance
You are unique, so your insurance should be, too.
Discover our tailor-made solutions to protect your home every day. Benefit from protection tailored to your needs, so you can live with peace of mind.
How does it work?
Choose, combine!
mozaïk is essential cover + useful cover + optional cover,
that you can combine as you wish to create a policy that matches your life.
Your essential guarantees
- Fire and associated risks
- Terrorist atttacks, labour disputes, vandalism and damage to real estate property
- Storms, hail, weight of snow and ice on roofs
- Water damage and frozen installation
- Breakage of windows, glass and mirrors
Your garantees
Useful coverage
To ensure you an adequate protection, we have selected for you the essential coverage.
Theft and vandalism
Have you lost your keys or have you been the victim of a break-in, theft or an act of vandalism?
Natural disasters
Has your neighbourhood been hit with a natural disaster and damaged your house ? mozaïk covers you in case of flood, earthquake or landslide.
Technological items
Home based electronics, Ultra HD TV, multimedia equipment or your latest robot vacuum, all of these technological equipments are covered in case of accidental breakage or theft.
Portable items
Smartphones, cameras, tablets, consoles and other connected objects are part of our daily lives. With the “Portable items” cover, you are always covered, everywhere.
Eco energies
Your home is equipped with environmentally-friendly systems, such as a heat pump, solar panels, wind power, etc. All these facilities are insured against accidental damage, theft and also against indirect losses due to loss of productivity.
Legal expenses cover
Are you in a dispute with your telephone operator or did your neighbour build a wall without authorisation? Don’t let any dispute complicate your life. The “legal protection” cover assists you in your procedures.
Life third-party liability
Have you accidentally broken a friend’s valuable vase or did your child scratch the neighbour’s car? The third-party liability cover allows you to avoid potentially very high costs. It covers financial damages and personal body injury.
Art and Passion coverage
Do you collect works of art? Are you a connoisseur of fine wines? Foyer protects your assets. Thanks to mozaïk home insurance, all of your exceptional belongings are covered everywhere in the world, including during their transport.
Modules
To ensure your lifestyle, we offer you a mosaic of possibilities with the modules of your home insurance.
Travelling
Book your holidays worry-free. mozaïk takes care of unexpected issues like cancellations, repatriation, medical costs or lost luggage.
We accompany you around the world starting from the first night of your trip.
Leisure items
Electric bike, golf, photography, skiing or horse-riding… Foyer understands that you are living your passions to the full.
Whatever your hobbies are, with mozaïk, your equipment is insured around the world in case of theft, accidental breakage or impact.
Valuable items and collections
Do you like watches, do you collect vinyl records or do you have a collection of handbags?
Don’t be afraid to take them out any more. With mozaïk, you are insured against theft and breakage at your home and elsewhere.
Private life accidents
Accidents in your private life claim more victims than traffic accidents.
mozaïk offers you financial protection as well as day-to-day assistance
Appraise the contents of your home
To be fully insured, it is important to know the exact value of your furniture and belongings. This leaflet will make it easy to estimate the value of everything you have accumulated over the years
Calculate your insurance rate
- Do you live in an apartment?
In three clicks, find out the rate for your home insurance and select the options that suit you. - Do you live in a house?
Your insurance needs require the expertise of an agent to offer you the best coverage. We invite you to get in touch with a Foyer agent or leave us your details and we’ll get back to you.
In case of claim
To make life easier, we offer you services adapted to every situation.
24/7 assistance
Because accidents happen when you least expect, we provide you with 24/7 assistance.
Customised advice
As you need to be reassured and advised in difficult times, our network of agents is at your disposal.
Personalised expertise
Because all claims are different, we offer several types of appraisals to assess your damage.
Tailored compensation
As you don’t always have the time to go to your agent, you can send your declaration in a few clicks using the MyFoyer app. The application is available on your app store.
Customised advice
Because you want to choose your compensation method, we offer you as part of a home incident claim the possibility of choosing the one which best suits your situation.
Luxembourg’s population is expected to reach 1 million inhabitants in 2050 compared to 700,000 today. With this population growth, the demand for housing is exploding, both for purchasing and rentals. This is why the property rental market is attracting more and more investors looking for returns. For a rental to be successful, you should be well-prepared and protect yourself. Our article tells you everything you need to know to become a worry-free landlord or landlady!
When you arrive in Luxembourg, you’ll realise several things. In order: housing is expensive, there are many expats and newcomers, coliving is an excellent idea. Less expensive and comfortable, you can put your suitcases down and feel at home in good company.
Are you planning to move to Luxembourg and are you planning to buy a property? Allow plenty of time to find that rare gem, as demand far exceeds supply. You will also need a sizeable budget, because property prices are much higher than in neighbouring countries. Prices, help to buy and renovation subsidies, conditions to watch out for: we detail all these points for you in this article.
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.
Vos garanties indispensables
Fire and associated risks
First and foremost, this cover protects your home in case of fire, explosion or any other damage caused by impact of a vehicle or fallen trees or electric poles, for example. It also covers damage caused to your electrical appliances such as your refrigerator or television due to lightening or power surges.
Terrorist attacks, labour disputes, vandalism and damage to real estate property
The policy covers property damage caused by riots, popular movements and acts of terrorism, sabotage, vandalism and malice, including graffiti.
Storms, hail, weight of snow and ice on roofs
In case of storm, hail or damage caused by the weight of snow or ice, this cover protects your house as well as your garden furniture.
Water damage and frozen installation
mozaïk covers you against leaks, ingress of water through the roof, freezing of heating systems, as well as oil leaks.
Breakage of windows, glass and mirrors
In case of breakages or cracks, mozaïk covers the glass areas of your property and its contents, such as windows, the glass in your furniture or interior and exterior doors, or even your ceramic hob.
Do you still have questions about cover?
Our agents are here to help you