Lovys Consolidates their Home Insurance Offers

Lovys Consolidates their Home Insurance Offers


  • Lovys used to focus on on-demand insurance for smartphones and flats. They now intend to address non-owner-occupied homes and goods.
  • With this new insurance policy, Lovys makes adjustments matching each owner’s situation: main residence, rented flats, secondary residency or even non-occupied homes.
  • Lovys relies on a customisable full digital offer, enabling its users to monitor their service online (including damage claims). It can also be terminated at any time.
  • Costs: subscriptions from €5/month.


  • January 2019: Lovys launches a multi-risk home insurance offer
  • Several hundreds of contracts have been signed to this day
  • 8 partner insurers
  • 2019 goal: 25,000 contracts
  • 4 new offers to come: for travels, cars, bikes and pets


  • Simpler multi-risk home insurance policies. Besides their affinity-oriented approach, Lovys stresses a simpler, more transparent insurance model than rival companies. Customers may subscribe online, in just a few clicks.
  • Matching the changes in property leasing. Lovys features scalable contracts adjusted to non-professional rental needs, for instance owners leasing their properties for short periods of time: a way for them to target Airbnb users on the eve of the summer season.  


  • The insurance market for non-owner-occupied homes now seems to be inspiring several offers. Earlier this month, the French InsurTech Luko unveiled a multi-risk home insurance offer for vacant properties.
  • This affinity-based, tech-savvy offer relies on connected sensors, highlighting their skills in home automation and promoting risks' prevention.
  • In order to stand out while still matching their initial position on the insurance market, Lovys opts for on demand, non-binding contracts, relevant to the needs of owners whose homes stay vacant.

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