Home & Liability Insurance Plans In Foyer Assurances S.A.

Home & Liability Insurance Plans in Foyer Assurances S.A. – Full Details You Need to Know

When I think about real peace of mind at home, it’s not just about locking the doors or installing a camera—it’s about making sure my property, belongings, and even personal legal responsibility are covered. That’s why I took a closer look at Foyer Assurances S.A.’s non-life insurance plans, especially their home and liability products.

The main offer here is called Mozaïk—and from everything I’ve researched, it’s one of the most comprehensive and flexible home protection plans available in Luxembourg.

🏠 Mozaïk – Tailored Home Insurance Plan

Foyer’s Mozaïk plan is designed to protect everything related to your home—from the walls and roof, to your furniture and electronics, and even your pets or bikes. But the best part? It’s fully modular. You can build it exactly the way you want based on whether you’re a homeowner, tenant, or landlord.

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🔍 Mozaïk – Key Coverage Options:

🔸 1. Buildings Insurance (For homeowners and landlords)

This covers structural damage to the home—walls, roof, pipes, windows, etc. It’s a must-have if you own a house or apartment.

Includes protection for:

• Fire and explosion

• Water damage and leaks

• Storms and natural disasters

• Glass breakage

• Vandalism or burglary (structure-related)

• Reconstruction costs (in case of major damage or rebuild)

🔸 2. Contents Insurance (For owners and tenants)

If you’re renting or simply want to protect your furniture, electronics, appliances, and valuables—this is for you.

Coverage includes:

• Theft and burglary

• Fire and water damage to contents

• Furniture, TVs, laptops, etc.

• High-value items (jewelry, art, bikes—can be added as an option)

• Broken glass, electrical surges, etc.

🔸 3. Personal Civil Liability

This is the legal protection part, and I consider it just as important as the others. If you or someone in your family accidentally causes damage to a third party—this covers you.

Examples:

• Your child breaks a neighbor’s window

• Your dog bites someone in the park

• A fire in your home damages the neighbor’s flat

This protection follows you everywhere—even outside your home, across Europe.

🔧 Optional Add-ons You Can Include:

• Legal protection insurance (covering lawyer fees, legal advice, litigation)

• Coverage for outbuildings, gardens, and solar panels

• High-value item cover (jewelry, collectibles)

• Temporary rehousing costs in case your home becomes uninhabitable

• Coverage for second homes or rental properties

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💰 How Premiums Work:

• Premiums are calculated based on:

  • The value of the property and contents

  • Your location

  • The guarantees you select

  • Whether you bundle it with other Foyer products (discounts apply)

It’s also worth noting that Foyer regularly updates their policy features to adapt to things like climate change risks and tech (like covering smart devices).

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📜 Real-Life Example:

Let’s say you’re a homeowner in Luxembourg with a 3-bedroom house. You insure the structure and contents, plus civil liability. A pipe bursts and floods your kitchen. Mozaïk will cover:

• The structural repairs (walls, flooring)

• Damaged appliances and kitchen items

• Possibly the cost of temporary accommodation

• Any damage you may have caused to your downstairs neighbor

All of that under one modular plan, tailored to your home.

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✅ Why I Recommend Mozaïk

Here’s why I personally think Mozaïk is a smart pick for anyone living in Luxembourg:

• It’s modular—so you only pay for what you really need.

• It’s backed by one of Luxembourg’s most trusted insurers.

• The claims process is straightforward and handled locally.

• The civil liability coverage protects you and your family, even abroad.

• You can combine this plan with other Foyer contracts (like auto or life) for multi-contract discounts.

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🧠 Who Should Consider This?

• Homeowners who want full building + contents + liability coverage

• Tenants who want to protect personal belongings and be covered for damages

• Landlords who need building protection and tenant liability cover

• Families with kids or pets, where accidental damage or liability is more likely

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📌 Summary – Mozaïk Insurance Plan Overview

Coverage Type	Included
Building (structure)	Yes – fire, water, storms, vandalism, etc.
Contents (furniture, items)	Yes – theft, fire, electronics, accidental damage
Civil liability (personal)	Yes – covers family, pets, global coverage
Optional Legal Protection	Available as add-on
Add-ons	Jewelry, solar panels, rehousing, second home, garden, etc.
Discounts	Yes – if you bundle with auto/life insurance from Foyer
Ideal For	Owners, tenants, landlords, families, expats

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Final Thoughts

Whether you own your home or rent, I strongly believe in having the right non-life insurance to protect yourself against accidents, natural disasters, and liability. Foyer’s Mozaïk plan gives you the freedom to build your own protection package—and that’s exactly the kind of flexibility I look for.

In a country like Luxembourg, where storms and water damage are real risks, and personal liability rules are strict, having a solid home & liability policy is not optional—it’s essential.