Luko AI Digital Home Insurance App| React Native
Antoni Kaminski
Verified
Luko is a fully digital home insurance app based in France, designed to make home protection simple, fast, and transparent. Now part of Allianz Direct, Luko continues to offer innovative services to modernize the insurance experience.
🏠Key Features:
Fast Online Signup: Get home insurance in under 2 minutes, entirely online. Policies are customizable, and you can adjust your deductible to suit your needs.
Easy Claims Management: Report claims directly through the app with photos and videos. Track progress in real time and enjoy faster-than-average reimbursements—often twice as fast as traditional insurers.
Responsive Customer Support: Access 7-day-a-week support with a dedicated claims manager for personalized assistance from start to finish.
Ethical Business Model: Luko takes a flat 30% of premiums for operating costs. The remaining 70% is used to pay claims, and any leftover funds are donated to charities selected by users.
đź› Additional Services:
Doctor House: A free digital home check-up service offering maintenance advice, repair estimates, and early issue detection.
Smart Home Monitoring: Real-time tracking of energy and gas usage, weather alerts, and safety tips to help prevent accidents.
Léon – Property Search Assistant: An AI-powered tool that helps you find your next home by scanning listings based on your criteria.
📱 Frontend (React Native Expo)
Technology: React Native Expo
Key Features:
Modular UI for quote generation, claims, chat support, account/profile settings.
Custom form flows for onboarding and claims (photos, video uploads).
Native integration with device features (camera, notifications).
Role-based views for users (e.g., customer, agent).
Real-time updates via API/streamed data from Supabase
đź—„ Backend (Supabase)
Database: PostgreSQL with real-time updates (
pg_notify)Auth: Supabase Auth with support for email/password, OTP, social logins
APIs: Auto-generated RESTful endpoints and GraphQL for accessing:
User data
Policies
Claims and reimbursements
Files (e.g., proof of damage)
Storage: Upload and manage documents/photos securely (for claims)
Edge Functions:
Handle premium calculations
Integrate external insurance APIs (e.g., Allianz)
Webhook handling (e.g., payment confirmations)
🤖 AI Integration
Use Cases:
Claim Auto-Processing: Use image recognition to pre-validate photo evidence.
Chatbot: AI assistant for support (e.g., GPT or Dialogflow).
Document Analysis: Extract structured data from PDFs or scanned insurance documents.
Fraud Detection: AI models flag suspicious claims using patterns in historical data.
Smart Home Advisor (Doctor House): NLP-based assistant offering repair tips, risk prevention, and home diagnostics.
Integration Points:
AI models accessed via REST APIs from Edge Functions or direct HTTP requests from React Native.
Data is optionally embedded (e.g., OpenAI embeddings + pgvector) for search or recommendation.
🏗️ Deployment & CI/CD
React Native Expo Export: Code exported for advanced customization if needed.
Supabase Hosting: API and DB hosted with built-in scalability.
Monitoring: Supabase logs + external tools like Sentry or Posthog.
Security: Row-Level Security (RLS), role-based access, encrypted storage for sensitive documents.
Like this project
Posted Jun 4, 2025
This project is a cross-platform React Native mobile/web application for managing home insurance,designed with a modern serverless and AI-enhanced architecture.
Likes
8
Views
65
Timeline
Jun 16, 2025 - Ongoing
Clients
heyprospekt.com
AI Digital HealthCare App | Next.js | React Native | Firebase
Real Estate App | React Native | MySQL | Node.js
AI Memento Japanese App | React Native | Firebase
React Native Medical Startup App | Supabase
