Non-occupant owner / MRE
MRE owning vacant or rented property in Morocco — Annual premium: 1500-6000 MAD/an
MRE owning secondary residence or rental property in Morocco must subscribe PNO (Non-Occupant Owner) insurance. Covers building, civil liability towards tenants and neighbors, damages during vacancy.
Main risks
- Water damage in your absence (can worsen)
- Theft / squatting in vacant property
- Fire without rapid intervention
- Civil liability towards tenants (claims you'd be liable for)
Recommended coverage
- Complete PNO (Non-Occupant Owner)
- Vacancy guarantee (coverage during unoccupation > 90 days)
- Rental loss if claim renders unfit
- Assistance with rapid intervention in Morocco (24/7 number)
Specifics of this profile
Designate trusted representative in Morocco (family, real estate agent) who can intervene in case of claim. Provide photographic inventory to insurer. Verify coverage during vacancy (some contracts require < 60-90 days).
Legal obligations
No legal obligation, but strongly recommended for MRE. Cost of unexpected claim in major event far exceeds premiums accumulated over 20 years.
Saving tips
- Subscribe via MRE bank (Attijariwafa Europe, Chaabi Bank): negotiated rates
- Designating representative reduces tariff (local monitoring)
- Install connected alarm system linked to insurance (−10%)
- Rent even free (friend, family) reduces 'vacancy' premium
Recommended insurers
Official partnerWafa Assurance
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