Home Insurance

Home insurance protects you against losses from a wide range of unexpected accidents.

Why choose home insurance?

All risk insurance offer:

Luminor in cooperation with the insurance company AB Lietuvos draudimas offers excellent conditions if an all-risk property insurance (Premium option) is selected. The examples below show the monthly expenses if customer applies for multi-cover policy that includes 3 types of insurance (building insurance, home contents insurance and civil liability insurance). For such package Personal civil liability with limit 3 500 EUR a year and additional service “Emergency Home Assistance” with a limit of 300 EUR per year are included as gifts.

Property type Total area, sq. m Insured property amount Home contents insurance, EUR Civil liability insurance, EUR Excess amount, EUR Monthly payment, EUR
1-room apartment 40 Replacement value 12,000 4,500 40 5.55
2-room apartment 50 Replacement value 12,000 4,500 40 6.86
3-room apartment 70 Replacement value 12,000 4,500 40 9.22
Private house 120 Replacement value 12,000 45,000  40 14.08

To apply for Premium option you can simply submit the insurance application on the Luminor website. The insurance policy will be sent by e-mail no later than the next business day. The insurance contract enters into force after the payment of the first insurance premium.

Home insurance options


This type of home insurance provides only building insurance


This type of home insurance provides such cover:

  • Building insurance
  • Home contents insurance up to 12 000 EUR
  • Civil liability insurance: flat – 3 000 EUR, house – 30 000 EUR
  • Personal civil liability insurance: 2 900 EUR
For those who choose Standard+ a gift – „Emergency Home Assistance“ service


This type of home insurance provides such cover:

  • Building insurance
  • Home contents insurance up to 12 000 EUR
  • Civil liability insurance: flat – 4 500 Eur, house – 45 000 EUR
  • Personal civil liability insurance: 3 500 EUR
  • Insurance of all risks
For those who choose Premium – a gift "Emergency Home Assistance" service

When offering the Home Insurance Luminor Bank AS, reg. No 11315936, address: Liivalaia 45, 10145, Tallinn, Republic of Estonia, represented within the Republic of Lithuania by Luminor Bank AS Lithuanian branch (company code 304870069, VAT identifier: LT100011758514, address: Konstitucijos ave. 21A, 03601 Vilnius, Lithuania) acts as insurance agent, distributing an insurance on behalf of AB Lietuvos Draudimas insurance company (reg. No. 110051834, having its registered office at J. Basanavičiaus g. 12, LT 03224 Vilnius). Luminor Bank AS shall process your personal data to prepare AB Lietuvos Draudimas insurance offer and forward them to insurer.

How to get home insurance?


Submit the application

Fill in the application on our website and find out the precise insurance premium for the selected property


Confirm the offer

Receive the insurance offer by e-mail and confirm it by paying the first premium


Apply for Standing order

Define further payments in your Internet Banking under section Payments → Transfer in euros and mark “Periodic payment” if you have chosen to divide the total amount into several payments

Necessary documents:

  • Filled property insurance application if you apply electronically
  • Passport or ID card if you book physical meeting with bank specialist

Useful links

Home Insurance Rules, in Lithuanian
Cover provided by home insurance
Covering Damages
Memo for Home Insurance, in Lithuanian
Insurance requirements
Insurance intermediary information, in Lithuanian

Simple, peace of mind home insurance

You might also be interested in: Mortgage Loan, Mortgage Life Insurance