Unpaid-rent insurance (GLI)

Comparator of the main unpaid-rent guarantees in Luxembourg. Tenant default risk cover, eviction costs, legal protection. Indicative premiums Q4 2025.

Parameters

Monthly rent (excl. charges)

€

Monthly charges

€

Number of lots covered

Multi-lot discount usually -10-20%

Tenant profile

Best value (coverage/premium)

La Luxembourgeoise

70 €/month · max coverage 96.000 €

Insurer	Rate	Premium/month	Premium/yr	Max months	Total coverage	Excess	Legal protection	Vacancy
Baloise	3.2%	64 €	768 €	36	72.000 €	0	✓	✓
Foyer Assurances	2.9%	58 €	696 €	30	60.000 €	1.000 €	✓	✗
La Luxembourgeoise★	3.5%	70 €	840 €	48	96.000 €	0	✓	✓
AXA Luxembourg	3%	60 €	720 €	24	48.000 €	500 €	✓	✗
Imalis (partenaire FR-LU)	2.5%	50 €	600 €	30	60.000 €	0	✓	✓

Important: the premiums above are indicative (Q4 2025). Contact the insurer directly for a personalised quote. Some offers require prior tenant screening (certified income 3× rent, CDI, deposit, etc.). In LU, the legal rental deposit (max 3 months, art. 5 law 21.09.2006) remains the default option. The GLI premium is deductible under art. 105 LIR as a real expense.

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