Owner-occupant of apartment
Owners living in their city apartment — Annual premium: 1200-4500 MAD/an
Apartment owner-occupants in Morocco must insure against common risks: fire, water damage, theft, glass breakage. Complete multi-risk home insurance costs between 1,200 and 4,500 MAD/year per surface and movable value.
Main risks
- Fire (kitchen, electrical installation)
- Water damage (leak, infiltration, pipes)
- Theft / vandalism
- Glass breakage (windows, mirrors)
- Natural disasters (earthquake, flood)
Recommended coverage
- Complete multi-risk home (MRH)
- Extended civil liability guarantee (neighbors, visitors)
- Legal protection (condo, syndic disputes)
- 24/7 assistance (locksmith, plumber emergency)
Specifics of this profile
In condo, verify syndic has building insurance covering common areas. Your personal insurance covers inside your apartment. Watch for exclusions (lack of maintenance, prior damages).
Legal obligations
Home insurance not legally mandatory in Morocco for owner-occupants, unlike France. But strongly recommended and often required by bank if active mortgage.
Saving tips
- Bundle with auto insurance at same insurer: −10 to −15%
- Install alarm / video surveillance: −5 to −10% on theft premium
- Higher deductible = lower premium
- Annual vs monthly payment (−5%)
Recommended insurers
Official partnerWafa Assurance
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