Home Insurance Comparator Morocco

The comparator estimates the annual premium of a multi-risk home insurance (MRH) policy from 5 Moroccan companies — Wafa Assurance, RMA, AXA Maroc, Sanlam Maroc and Allianz Maroc — based on six inputs: property type (apartment, villa, riad), surface area (20 to 500 m²), floor, city, occupancy status (owner or tenant) and desired coverage (fire, theft, water damage, civil liability). Rates are calibrated on the ranges actually observed on the Moroccan market: roughly MAD 600 to 1,800 per year for a standard apartment and MAD 1,500 to 4,000 per year for a villa.

The calculation starts from a base of about MAD 8 per m² per year, plus a fixed MAD 250 contract fee. Surcharges then apply: +50% for a villa, +40% for a riad, +8% on the ground floor (higher burglary risk) and +4% above the 4th floor. A tenant pays about 25% less than an owner — insuring only contents and rental liability, not the building — and each selected coverage adds about 6% to the premium. The gap between the cheapest and most expensive company is about ±10% around this base, with a market floor of MAD 300 per year.

Each offer also shows the deductible (from MAD 0 on fire at RMA to MAD 1,500 at Sanlam) and the indicative reimbursement time (5 to 20 days depending on the company). These estimates remain indicative: the final price depends on the declared value of your contents, the precise location (Casablanca and Rabat cost 15 to 20% more than the national average) and each insurer's acceptance conditions — always request a personalized quote before subscribing.