Comprehensive Home Insurance in Morocco

What is comprehensive home insurance?

Comprehensive home insurance is a contract that covers all risks related to your home: fire, water damage, theft, third-party liability, glass breakage and natural disasters. It is the most subscribed plan in Morocco.

Generally included coverage

• Fire, explosion and lightning
• Water damage and leaks
• Burglary and theft
• Home liability
• Glass breakage
• Natural disasters (depending on contract)
• Electrical damage

Comprehensive vs liability only: what's the difference?

Liability only (200-500 MAD/year) only covers damages you cause to others. Comprehensive (800-3,500 MAD/year) adds protection of your home and belongings. In case of fire or burglary, only the comprehensive policy compensates you for your own losses. For a few hundred dirhams more, comprehensive is a much more protective choice.

Who is it for?

• Tenants: comprehensive is the wisest choice (liability alone does not protect your belongings)
• Owner-occupiers: essential to protect your patrimony
• Owner-landlords (PNO): covers the structure and rental vacancy
• Co-owners: complements common-area insurance

Average price in Morocco

Expect between 800 and 3,500 MAD/year for an apartment depending on size and location, and between 3,000 and 8,000 MAD/year for a villa. Rates also vary by coverage level, deductibles and security equipment.

Mistakes to avoid

• Underestimating the value of your movable goods (furniture, appliances, clothing)
• Forgetting natural disasters coverage — essential since the 2023 earthquake
• Not checking security requirements (3-point lock, shutters) required by the contract
• Ignoring the vacancy clause if your home is empty for more than 60-90 days