Home Insurance in Morocco

Home insurance in Morocco is growing steadily, driven by the real-estate market's development and increasing awareness of housing risks. Whether you are the owner of a villa in Marrakech, a tenant in a Casablanca apartment or the owner of a riad in Fez, good home insurance protects your assets against life's hazards: water damage, fire, theft or natural disasters. In 2026, only 15% of Moroccan homes are covered by home insurance, a rate far below the European average.

In Morocco, home insurance is not legally mandatory for owner-occupiers, but it is required by banks as part of a mortgage (fire and explosion insurance at a minimum). For tenants, rental civil liability is strongly recommended to cover damage to the landlord's property. Multi-risk home insurance (MRH) generally covers: water damage (the leading cause of claims in Morocco, 40% of declarations), fire, theft and vandalism, broken glass, natural disasters (earthquake, flooding) and family civil liability.

Home insurance premiums in Morocco range from 600 to 3,000 MAD/year for a standard apartment, and from 2,000 to 8,000 MAD/year for a villa. The determining factors are: location (high seismic risk areas like Al Hoceima or Agadir have surcharges), living area, floor (ground floor = higher theft risk), declared content value, and installed security measures (alarm, reinforced door). In Casablanca and Rabat, premiums are on average 20% higher due to greater theft risk.

With Wafir.ma, easily compare home insurance offers from Morocco's leading insurers. Our free comparator analyses your profile and home to recommend the best coverage at the best price. We compare offers from Wafa Assurance, RMA, AXA Maroc, AtlantaSanad, Sanlam and Allianz Maroc. The service is 100% free and without commitment. Fill in the form in 2 minutes and receive personalised quotes adapted to your situation.