Do you need home insurance in Morocco? What to know
Updated on 3 August 2026
Mandatory or not, which cover, at what price: the essentials on home insurance in Morocco.
The essentials in questions
Is home insurance mandatory in Morocco?
It is not legally mandatory for an owner-occupier, but the bank requires it almost systematically when a property is financed by a home loan.
What does home insurance cover?
Generally fire, water damage, theft, glass breakage and civil liability. Cover and limits vary by contract.
How much does home insurance cost in Morocco?
The cost depends on the value and type of the property. As a guide, the annual premium is often a fraction of a percent of the insured value.
1. Mandatory within a loan
If you finance your property with a loan, the bank conditions the loan on insurance (borrower and often comprehensive home). It protects both you and the bank.
2. The useful cover
Beyond the minimum, check water-damage, theft, natural-disaster and civil-liability cover. Match the limits to the real value of your belongings.
3. Compare before subscribing
Rates and cover vary from one insurer to another. An online estimate gives you an order of magnitude before requesting firm quotes.