Home Third-Party Liability Insurance in Morocco

What is home liability insurance?

Home liability insurance financially protects you if you cause damage to a neighbour or third party from your home: water leak to the neighbour below, falling object from your balcony, etc.

Checks for tenants, owners and landlords

ACAPS states that Moroccan regulations do not require owners or tenants to take out home insurance. Check the requirements of your lease, financing agreement and co-ownership separately.

• Tenant: check the lease, rental risks and cover for damage to neighbours.
• Owner occupier: identify owner liability and building cover.
• Landlord: declare rental use and periods when the property is empty.
• Co-ownership: ask the manager for the common-area policy and clarify individual cover.

What liability covers

• Bodily injury caused to third parties (medical fees, hospitalisation)
• Material damage to others' property (repairs at neighbour's)
• Consequent intangible damages (loss of enjoyment)
• Legal defence fees in case of proceedings

Concrete day-to-day examples

• Your washing machine leaks and damages the ceiling of the neighbour below
• A flowerpot falls from your balcony and injures a passer-by
• A short circuit in your home causes a fire that spreads to the next-door apartment
• Your child accidentally breaks a neighbour's window

Liability only or comprehensive?

Request quotations with equivalent cover and insured amounts. Liability cover protects against third-party claims; a home policy may also cover insured property. Compare limits, deductibles and exclusions before price.