Home Insurance in Morocco
Complete guide 2026 — Understand, compare and protect your home
Everything you need to know about home insurance in Morocco: types of coverage, legal obligations, indicative pricing, insurers and tips to properly protect your home.
Why care about home insurance in Morocco?
With a penetration rate of around 5%, home insurance remains very rarely subscribed to in Morocco. Yet the risks are real: the Al Haouz earthquake in September 2023 highlighted the vulnerability of uninsured homes. For tenants, third-party liability is legally mandatory. For owners, going uninsured means leaving your most valuable asset unprotected.
This guide helps you understand the available coverage, compare offers and make an informed choice — whether you are a tenant, owner, co-owner or Moroccan abroad (MRE).
Types of coverage
Discover the different guarantees to protect your home
Comprehensive Home Insurance (MRH)
The most complete plan: it covers all risks related to your home (fire, water damage, theft, third-party liability) in a single contract.
Learn moreHome Third-Party Liability
Covers the damages you may cause to third parties from your home. Mandatory for tenants in Morocco.
Learn moreTheft and Burglary
Protects your movable property against burglary and theft. Often included in the comprehensive policy, can be subscribed separately.
Learn moreWater Damage
Covers damage caused by leaks, pipe bursts, infiltrations and overflows. One of the most frequent claims in Morocco.
Learn moreFire and Explosion
Protects your home and belongings against damage caused by fire, explosion or lightning.
Learn moreNatural Disasters
Covers damage related to exceptional natural events: earthquakes, floods, landslides. Particularly relevant in Morocco after the 2023 earthquake.
Learn moreIndicative price ranges
Average annual rates observed in Morocco (in MAD)
Studio / F1
500 - 1,200 MAD
/year
Appartement F2-F3
800 - 2,000 MAD
/year
Appartement F4+
1,500 - 3,500 MAD
/year
Villa
3,000 - 8,000 MAD
/year
Riad
2,500 - 7,000 MAD
/year
These ranges are indicative and vary based on the insurer, location, chosen coverage and your profile.
Insurers in Morocco
The main home insurance players in Morocco
Compare offers
Don't stop at price. Check indemnity ceilings, deductibles, exclusions and waiting periods before subscribing.
Know your rights
The Moroccan Insurance Code strictly regulates contracts. You have a 5-day window to declare a claim and may cancel annually.
Properly declare a claim
Photograph the damage, keep receipts and declare on time. A well-prepared file speeds up reimbursement.
Frequently asked questions
Is home insurance mandatory in Morocco?
Home insurance is not mandatory for owner-occupiers in Morocco. However, tenants are required to subscribe at minimum to a third-party liability insurance. For co-ownerships, insurance of common areas is mandatory.
How much does home insurance cost in Morocco?
The cost varies according to surface area, location, type of property and chosen coverage. Expect 500 to 1,200 MAD/year for a studio, 800 to 2,000 MAD for an F2-F3 apartment, and 3,000 to 8,000 MAD for a villa.
What is the difference between comprehensive home insurance and third-party liability?
Third-party liability only covers damages you cause to others. Comprehensive home insurance (MRH) is a complete plan that includes liability plus protection of your home and belongings (fire, water damage, theft, etc.).
What should I do in case of a claim?
In case of a claim: 1) Secure the premises, 2) Photograph the damage, 3) Declare the claim to your insurer within 5 working days (2 days for theft), 4) Keep invoices and receipts, 5) Wait for the expert visit if necessary.
Can I switch home insurance during the year?
Yes, thanks to the Moroccan Insurance Code, you can cancel your contract on each anniversary date with notice (usually 2 months). Some contracts allow cancellation at any time after the first year.
Does home insurance cover earthquakes?
The natural disasters guarantee (earthquake, flood) is not always included by default in contracts. Since the Al Haouz earthquake in 2023, it is strongly recommended to verify that this coverage is in your contract or to subscribe to it as an option.
Deepen your knowledge
Explore our detailed guides to fully understand home insurance in Morocco and best protect your home.