Coliving in Luxembourg: what’s the difference with sharing a house and what insurance should you consider?
- 8 hours ago
- 3 min read
With rising rents and changing lifestyles, a new form of shared housing is attracting more and more residents in Luxembourg: coliving. While this concept is still unknown to some of the general public, it continues to grow, particularly among young professionals, expats, and freelancers. But what exactly is coliving? How does it differ from traditional shared accommodation? And, above all, what home insurance is best suited to this lifestyle?
What is coliving?
Coliving is a form of shared housing that combines privacy and shared services. The principle is simple: each resident has a furnished personal space (bedroom with private or semi-private bathroom) while having access to common areas such as the kitchen, living room, and laundry room, often with high-end services (daily housekeeping, gym, coworking space, etc.).
This model, often managed by a specialized company, aims to offer a practical, flexible, and friendly living environment. It is primarily aimed at people in transition: young workers, foreign students, digital nomads, or expatriates arriving in Luxembourg for work.
Coliving vs. flat-share: what are the differences?
At first glance, coliving and sharing a space with roommates may seem similar, as they involve sharing a home with others. However, there are several key differences between them:
Shared accommodation | Coliving |
➤ Organized between individuals | ➤ Managed by a company or a specialized operator |
➤ Sharing common areas (kitchen, living room, bathroom) | ➤ Private room (and sometimes bathroom), shared services often premium |
➤ Joint or individual lease depending on the contract | ➤ Individual lease, often all-inclusive |
➤ Little or no services | ➤ Services included (cleaning, Internet, maintenance, high-end equipment, etc.) |
➤ Cheaper but less regulated | ➤ More expensive but more structured and turnkey |
Overall, coliving offers a more premium community living experience with well-equipped homes and comprehensive services. In Luxembourg, the main coliving agencies are furnished.lu and manymany.lu .
What budget should you plan for living in co-living in Luxembourg?
Coliving rents in Luxembourg typically range from €1,100 to €2,500 per month, depending on the property's standing, location, and included services. At first glance, this may seem similar to a traditional rental*. But be careful: this rate already includes many of the costs you'd normally add to a traditional rental.
In coliving, the lease generally includes:
Furnished rent,
Charges (electricity, heating, water, etc.),
Internet access,
Maintenance of common areas,
Sometimes even basic home insurance.
Therefore, the savings are real, especially for people on the move or arriving from abroad, who do not have to worry about buying furniture or managing individual contracts.
* According to the logement.lu rental simulator, in 2024, the average rent (excluding charges) for a 60m2 apartment located in Luxembourg City was €1,711 per month.
What costs remain your responsibility?
Despite the many services included in coliving, some personal expenses still need to be anticipated:
Food,
Expenses related to your vehicle (car, fuel, car insurance , etc.),
Supplementary insurance products, such as:
Private liability insurance (mandatory in many situations),
And if necessary, specific insurance for your valuables (theft, breakage, etc.),
Other expenses you might be subject to.
ℹ︎ Good to know: Although home insurance is often included in the lease, it doesn't always cover your personal belongings or personal liability. It's worth checking.
Coliving represents an innovative response to the increasingly sought-after needs for mobility and flexibility in Luxembourg. More than just a shared apartment, it offers an optimized, communal, and supervised living environment. However, like any type of housing, it involves certain obligations, particularly when it comes to insurance. By understanding what is and isn't included in your lease, you can live with peace of mind in a shared environment, without any unpleasant surprises.