Luko (ex-Coya)

Luko, formerly known as Coya, is a prominent European insurtech company that specializes in home insurance and related services.

Formed through the merger of French startup Luko and German insurer Coya AG, the company serves over 400,000 policyholders across France and Germany. Luko operates with dual headquarters in Paris and Berlin, employing more than 200 people. Luko offers a range of home protection products, including home contents and buildings insurance, personal liability insurance, and bicycle theft coverage. Their innovative approach features an "AI risk guardian" that monitors properties for potential risks, along with handyman services and usage monitoring to promote efficiency. Customers can easily manage their insurance needs through mobile and desktop apps, allowing for quick policy setup and claims processing without the hassle of paperwork. Luko aims to provide a simple, transparent, and proactive insurance experience for homeowners and renters, particularly targeting tech-savvy households in Europe.