Home Insurance Buying Guide in Morocco: How to Choose Wisely in 2026

Why this guide?

Home insurance in Morocco is a market in full evolution. With a penetration rate of barely 5% of households, many Moroccans have never subscribed and don't know where to start. This guide takes you step by step to understand, compare and choose the contract suited to your situation.

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Step 1: Understand what home insurance covers

Home insurance protects two distinct things:

1. Your home (walls, floors, ceilings, fixed installations) — referred to as immovable property
2. Your personal belongings (furniture, appliances, clothing, electronic devices) — referred to as movable property

It also includes a home third-party liability that covers you if you unintentionally cause damage to third parties (neighbours, visitors).

The three coverage levels

Level	What is covered	For whom?
Liability only	Damage caused to third parties only	Tenants seeking the legal minimum
Comprehensive (MRH)	Liability + fire + water damage + theft + glass breakage	Most households
All-risk comprehensive	Comprehensive + extended options (valuables, swimming pool, natural disasters, legal protection)	Villa owners, valuable property

Our recommendation: comprehensive is the best coverage/price ratio for the vast majority of Moroccan households. Liability only does not protect your own belongings.

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Step 2: Identify your real needs

Before requesting a single quote, ask yourself these questions:

What is your status?

• Tenant: liability (rental risks) is mandatory in Morocco. You must at minimum cover damages you might cause to your landlord's property (fire, water damage, explosion).
• Owner-occupier: no legal obligation, but not insuring is a major financial risk.
• Co-owner: common areas must be insured (Law 18-00). Your private areas are under your responsibility.
• Owner-landlord: PNO (Non-Occupying Owner) insurance is strongly recommended to cover rental vacancy and complement your tenant's insurance.

What type of property?

The type of dwelling directly influences risk and therefore pricing:

• Apartment in a building: water damage risk between neighbours, lower theft risk on upper floors
• Villa: higher burglary risk, larger surface area, outbuildings to cover
• Riad: traditional construction with specific risks (humidity, terrace roof)
• Second home: beware of vacancy clauses (often 90 days max of unoccupation)

What is the value of your belongings?

This is the most neglected step, yet the most important. Make a room-by-room inventory:

Room	Items to estimate
Living room	Sofa, TV stand, television, rugs, decoration
Kitchen	Refrigerator, oven, microwave, robot, dishes
Bedrooms	Bedding, wardrobes, clothes, electronic devices
Office	Computer, printer, furniture
Bathroom	Electric appliances, household linen
General	Jewellery, valuables, collections

Tip: photograph each room and keep invoices for your major purchases. In case of a claim, this evidence considerably speeds up indemnification.

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Step 3: Understand the guarantees in detail

Basic guarantees (included in any comprehensive policy)

Fire, explosion and lightning

Covers damage caused by fire to your home and belongings. Generally includes smoke damage and clearance fees.

Watch point: verify that temporary rehousing fees are included. A fire can render your home uninhabitable for weeks.

Water damage

The most frequent claim in Morocco. Covers leaks, pipe bursts, infiltrations and overflows.

Critical watch point: verify that leak detection fees are included. Locating a hidden leak in a wall can cost between 1,000 and 5,000 MAD. Some contracts do not include this service.

Theft and burglary

Protects your belongings in case of forced-entry theft. Insurers generally require minimum security measures.

Common requirements of Moroccan insurers:

• 3-point lock on the front door
• Shutters or grilles on accessible windows (ground floor, 1st floor)
• Sometimes an alarm for villas

Warning: if you do not respect these requirements, the insurer may refuse to indemnify you in case of theft. Check the conditions of your contract.

Home third-party liability

Covers bodily, material and intangible damage that you or a member of your household unintentionally causes to third parties from your home.

Concrete examples:

• Your washing machine leaks and damages the ceiling of the neighbour below
• A flowerpot falls from your balcony and injures a passer-by
• Your child breaks a neighbour's window

Glass breakage

Covers windows, glass doors, sliding bays, fixed mirrors. Particularly useful if you have large bay windows or a veranda.

Optional guarantees to consider

Natural disasters

Essential in Morocco since 2023. The Al Haouz earthquake demonstrated that seismic risk is real. This guarantee covers earthquakes, floods, landslides.

It is not always included in basic contracts. Verify and subscribe to it if necessary — its additional cost is modest.

Electrical damage

Protects your appliances against power surges, short circuits and lightning effects. Recommended if you have expensive appliances or computer equipment.

Useful in Morocco: power cuts and fluctuations are frequent in some areas.

Legal protection

Covers your lawyer fees and procedure fees in case of dispute related to your home: conflict with a neighbour, a craftsman, a landlord.

Valuables guarantee

Standard contracts strongly cap the indemnification of jewellery, artwork and collections. If you own precious items, subscribe to this extension with an adapted ceiling.

Important: undeclared valuables are generally not covered or are subject to a very low ceiling (often 3,000 to 5,000 MAD).

Assistance and rehousing

Emergency repairs (locksmith, plumber) and temporary rehousing in case of a claim rendering your home uninhabitable. Very useful to have help quickly 24/7.

Swimming pool and outdoor amenities

If you have a pool, a landscaped garden, a pergola or solar panels, verify they are covered. Most basic contracts do not include them.

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Step 4: Decode the clauses that make the difference

This is where contracts really differ. Three elements determine the quality of your coverage.

Deductibles

The deductible is the amount that remains your responsibility in case of a claim. It is the most underestimated element by policyholders.

Types of deductibles:

Type	How it works	Example (10,000 MAD claim)
Absolute deductible	Fixed amount deducted	500 MAD deductible → you receive 9,500 MAD
Relative deductible	No indemnification below threshold, full indemnification above	1,000 MAD deductible → 800 MAD claim = 0 MAD, 10,000 MAD claim = 10,000 MAD
Proportional deductible	Percentage of damage	10% deductible → you receive 9,000 MAD

The trap: a contract with a low premium but high deductibles can cost much more in the end. Always compare the premium + deductible duo.

Indemnification ceilings

This is the maximum amount the insurer will pay you for a given claim, whatever the extent of the damage.

Ceilings to verify absolutely:

Guarantee	Insufficient ceiling	Correct ceiling	Comfortable ceiling
Movable contents	< 50,000 MAD	100,000 - 200,000 MAD	> 300,000 MAD
Valuables	< 5,000 MAD	15,000 - 30,000 MAD	> 50,000 MAD
Third-party liability	< 500,000 MAD	1,000,000 - 3,000,000 MAD	> 5,000,000 MAD
Temporary rehousing	Not included	10,000 - 20,000 MAD	> 30,000 MAD

Golden rule: your ceilings must correspond to the real value of your belongings. A movable contents ceiling of 50,000 MAD is useless if your belongings are worth 200,000 MAD.

Coverage exclusions

Exclusions are situations in which the insurer will not indemnify you. They are often relegated to the end of the contract, in small print. Read them.

Frequent exclusions in Morocco:

• Lack of maintenance: a leak caused by aged plumbing you have not had repaired
• Prolonged unoccupation: home empty for more than 60 to 90 consecutive days (variable depending on contracts). Critical for second homes and Moroccans abroad
• Negligence: windows left open in case of theft, tap left open
• Professional activity: damage related to a commercial activity carried out at home (teleworking is generally covered)
• War and riots: standard exclusion in all contracts
• Undeclared valuables: jewellery, artwork not mentioned in the contract

Tip for Moroccans abroad: if you own a property in Morocco that you only occupy a few weeks a year, imperatively negotiate the unoccupation clause. Some insurers agree to remove or extend it for a moderate surcharge.

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Step 5: Correctly evaluate the value of your belongings

Depreciation: how does it work?

By default, the insurer indemnifies in use value: it deducts depreciation (wear) from the original value of your belongings.

Example: your sofa bought for 8,000 MAD 5 years ago. With a depreciation rate of 10% per year, it is worth only 4,000 MAD in the eyes of the insurer.

The replacement value guarantee

Optional paid feature that allows you to be reimbursed at the new price, without depreciation deduction. Particularly interesting for:

• Recent appliances
• Computer and electronic equipment
• Quality furniture

Warning: replacement value is generally capped at 25% above use value, and limited to goods less than 5 to 10 years old.

Movable capital

This is the total value of your movable goods declared in your contract. It serves as the basis for calculating the premium and indemnifications.

The classic mistake: under-evaluating your movable capital to pay less. In case of a major claim, the insurer will apply the proportional rule: if you declared 100,000 MAD of goods while the real value is 200,000 MAD, you will only be indemnified at 50% of your losses.

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Step 6: Methodically compare offers

The 5-point method

For each quote received, fill in this grid:

Criterion	Insurer A	Insurer B	Insurer C
Annual premium (MAD)
Water damage deductible
Theft deductible
Movable contents ceiling
Valuables ceiling
Liability ceiling
Natural disasters included?
Leak detection included?
Temporary rehousing included?
Theft waiting period
Unoccupation clause (days)
Claims service reviews

Who to contact in Morocco?

The main insurers on the home insurance market:

• Wafa Assurance — market leader, extensive network, complete range
• RMA Assurance — dense network, increasingly digital claims management
• Saham Assurance — digital innovation, online subscription, competitive rates
• AXA Assurance Maroc — international expertise, extensive guarantees, premium assistance
• Atlanta Assurance — modular plans, good value for money
• MAMDA — mutualist spirit, accessible rates

Request at least 3 quotes to have a solid basis for comparison.

Subscription channels

Channel	Advantages	Disadvantages
At an agency	Personalised advice, trust	Limited hours, single insurer
Broker	Compares several insurers for you, free (paid by the insurer)	Variable availability
Online	Fast, instant quote, often cheaper	Less personalised advice
Through your bank	Simplicity, integrated direct debit	Not always the best value for money

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Step 7: Pitfalls to absolutely avoid

1. Choosing only on price

A contract at 800 MAD/year with deductibles of 2,000 MAD and a movable ceiling of 30,000 MAD will cost you much more than a contract at 1,400 MAD/year with deductibles of 300 MAD and a ceiling of 200,000 MAD — from the very first claim.

2. Forgetting to declare major work or purchases

Have you renovated your kitchen, installed air conditioning, bought a home theatre? Inform your insurer. Otherwise, these goods will not be covered.

3. Neglecting the unoccupation clause

If your home is unoccupied for more than 60-90 consecutive days (second home, Moroccans abroad), theft coverage may be cancelled. Verify and negotiate this clause.

4. Ignoring security requirements

Your contract requires a 3-point lock and you have a simple lock? In case of burglary, the insurer may refuse to indemnify you.

5. Not re-reading your contract every year

Your situation evolves. At each anniversary date, verify that your coverage still corresponds to your reality: value of belongings, work, change in family situation.

6. Underestimating seismic risk

Since the Al Haouz earthquake of 2023, natural disasters coverage is no longer a luxury. Verify it is included or add it.

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Step 8: Good reflexes after subscription

Keep these documents

• Your contract (general AND specific conditions)
• Your insurance certificate
• The photographic inventory of your belongings
• Invoices for your major purchases
• Invoices for your security equipment

Update regularly

Event	Action
Work / extension	Inform the insurer, adjust coverage
Purchase of valuables	Update movable capital
Moving	New contract or amendment
Pool / solar panel installation	Verify coverage, subscribe option
Lock / alarm change	Inform the insurer (may reduce premium)

In case of a claim

1. Secure the premises immediately
2. Photograph the damage before any intervention
3. Declare within 5 working days (2 days for theft) — this is a legal obligation in Morocco
4. Keep damaged items until the expert's visit
5. Provide supporting documents: photos, invoices, repair estimates

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How much does it cost?

Price ranges in Morocco (MAD/year)

Type of property	Liability only	Standard comprehensive	All-risk comprehensive
Studio / F1	200 - 400	500 - 1,200	1,000 - 2,000
F2-F3 apartment	300 - 500	800 - 2,000	1,500 - 3,500
F4+ apartment	400 - 600	1,500 - 3,500	2,500 - 5,000
Villa	—	3,000 - 8,000	5,000 - 12,000
Riad	—	2,500 - 7,000	4,000 - 10,000

How to pay less (without sacrificing coverage)

1. Install security equipment: alarm, reinforced door, smoke detector. Possible reduction of 5 to 15%
2. Increase the deductible: if you can absorb 1,000 MAD in case of a minor claim, a higher deductible reduces the premium
3. Group your contracts: auto + home with the same insurer = discount
4. Pay annually: monthly payment often entails fractioning fees
5. Compare every year: rates evolve, leverage competition at each anniversary date
6. Eliminate duplicates: if your bank card includes theft insurance abroad, no need to duplicate it in your home insurance

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Checklist before signing

Before validating your contract, verify that you can tick each box:

• The movable capital corresponds to the real value of my belongings
• The indemnification ceilings are sufficient for each guarantee
• The deductibles are at a level I can absorb
• The natural disasters guarantee is included
• Leak detection is covered (water damage)
• The unoccupation clause is compatible with my use of the home
• Security requirements (locks, shutters) are respected
• Outbuildings and exteriors are covered if I have any
• I have read the coverage exclusions
• I know the waiting periods
• I know how and within what deadline to declare a claim

This guide is purely educational. For a personalised analysis of your needs, we recommend consulting an insurance professional.