Home & CAT-NAT
Your home, and everything in it.
Flat, house or villa, owner or tenant: compulsory natural-disaster cover, fire and water damage first — then whatever fits your life.
- Compulsory cover included
- Also as takaful
- Buy entirely online
Compare the plans
Three plans. One question: what do you want to protect?
Every price is worked out by our engine for the same reference profile, taxes and fees included.
| Cover | EssentialThe legal base, plus what happens most often. | RecommendedComfortYour home and everything in it, covered day to day. | CompleteEverything, jewellery and new-for-old included. |
|---|---|---|---|
| Natural disasters (CAT-NAT)Compulsory | Included | Included | Included |
| Fire and explosion | Included | Included | Included |
| Water damage | Included | Included | Included |
| Personal liability | Included | Included | Included |
| Theft and vandalism | Optional | Included | Included |
| Glass breakage | Optional | Included | Included |
| Electrical damage | Not covered | Included | Included |
| Valuables | Not covered | Optional | Included |
| Home assistance | Optional | Optional | Included |
| New-for-old contents | Not covered | Optional | Included |
| Yearly price incl. taxes | 10 586DZD | 17 919DZD | 24 787DZD |
| Takaful contribution | 10 586DZD | 17 919DZD | 24 787DZD |
| Choose Essential | Choose Comfort | Choose Complete |
Reference profile · Home: flat, 80 m², 3 rooms, in Algiers; owner-occupied, building valued at DZD 9 000 000, contents at DZD 1 500 000.
As takaful the contribution is the same; on the recommended plan, DZD 3 631 (25%) pays for running the fund and the rest belongs to the participants.
Made-up prices worked out by Hima’s demonstration engine: no real offer, nothing is charged.
Build your cover
Room by room, what you protect.
Switch on a cover: the part of the house it protects lights up, the plan adjusts and the price follows.
Your home
Your cover
Switch a cover on or off: the plan that fits is picked for you.
Your yearly premium · Comfort
17 919DZDincl. taxes / yearAs takaful: the same contribution, of which DZD 3 631 is the wakala fee.
Price for the reference profile; your quote adjusts it to your answers.
Covered: Natural disasters (CAT-NAT), Fire and explosion, Water damage, Personal liability, Theft and vandalism, Glass breakage, Electrical damage. Comfort plan.
Continue to my quoteThe risk map
The price of CAT-NAT cover, wilaya by wilaya.
Earthquakes and floods do not threaten every part of Algeria equally — which is why CAT-NAT cover does not cost the same everywhere. Hover over or pick a wilaya.
- Zone 0 — low
- Zone 1 — moderate
- Zone 2 — high
- Zone 3 — very high
A simplified zoning that follows the country’s broad geography: not an official hazard map. Wilaya boundaries © OpenStreetMap contributors, ODbL licence.
16 Algiers
- Seismic zone
- Zone 3 — very high
- Flood risk
- High
- CAT-NAT rate
- 0.60‰
CAT-NAT for a home worth DZD 10 000 000
6 032DZDOwner, before taxes, current tariff.
Every wilaya as a table
| Wilaya | Seismic zone | Flood risk | Rate |
|---|---|---|---|
| 01 Adrar | Zone 0 — low | Low | 0.12‰ |
| 02 Chlef | Zone 3 — very high | Medium | 0.56‰ |
| 03 Laghouat | Zone 1 — moderate | Medium | 0.27‰ |
| 04 Oum el Bouaghi | Zone 1 — moderate | Low | 0.23‰ |
| 05 Batna | Zone 1 — moderate | Low | 0.23‰ |
| 06 Béjaïa | Zone 2 — high | High | 0.46‰ |
| 07 Biskra | Zone 1 — moderate | Medium | 0.27‰ |
| 08 Béchar | Zone 0 — low | Low | 0.12‰ |
| 09 Blida | Zone 3 — very high | High | 0.60‰ |
| 10 Bouira | Zone 2 — high | Medium | 0.42‰ |
| 11 Tamanrasset | Zone 0 — low | Low | 0.12‰ |
| 12 Tébessa | Zone 1 — moderate | Low | 0.23‰ |
| 13 Tlemcen | Zone 1 — moderate | Medium | 0.27‰ |
| 14 Tiaret | Zone 1 — moderate | Low | 0.23‰ |
| 15 Tizi Ouzou | Zone 2 — high | Medium | 0.42‰ |
| 16 Algiers | Zone 3 — very high | High | 0.60‰ |
| 17 Djelfa | Zone 1 — moderate | Medium | 0.27‰ |
| 18 Jijel | Zone 2 — high | High | 0.46‰ |
| 19 Sétif | Zone 2 — high | Medium | 0.42‰ |
| 20 Saïda | Zone 1 — moderate | Low | 0.23‰ |
| 21 Skikda | Zone 2 — high | High | 0.46‰ |
| 22 Sidi Bel Abbès | Zone 2 — high | Medium | 0.42‰ |
| 23 Annaba | Zone 2 — high | Medium | 0.42‰ |
| 24 Guelma | Zone 2 — high | Medium | 0.42‰ |
| 25 Constantine | Zone 2 — high | Medium | 0.42‰ |
| 26 Médéa | Zone 2 — high | Medium | 0.42‰ |
| 27 Mostaganem | Zone 2 — high | Medium | 0.42‰ |
| 28 M’Sila | Zone 2 — high | Low | 0.37‰ |
| 29 Mascara | Zone 2 — high | Medium | 0.42‰ |
| 30 Ouargla | Zone 0 — low | Low | 0.12‰ |
| 31 Oran | Zone 2 — high | Medium | 0.42‰ |
| 32 El Bayadh | Zone 1 — moderate | Medium | 0.27‰ |
| 33 Illizi | Zone 0 — low | Low | 0.12‰ |
| 34 Bordj Bou Arréridj | Zone 2 — high | Medium | 0.42‰ |
| 35 Boumerdès | Zone 3 — very high | High | 0.60‰ |
| 36 El Tarf | Zone 2 — high | Medium | 0.42‰ |
| 37 Tindouf | Zone 0 — low | Low | 0.12‰ |
| 38 Tissemsilt | Zone 2 — high | Low | 0.37‰ |
| 39 El Oued | Zone 0 — low | Medium | 0.17‰ |
| 40 Khenchela | Zone 1 — moderate | Low | 0.23‰ |
| 41 Souk Ahras | Zone 2 — high | Medium | 0.42‰ |
| 42 Tipaza | Zone 3 — very high | Medium | 0.56‰ |
| 43 Mila | Zone 2 — high | Medium | 0.42‰ |
| 44 Aïn Defla | Zone 3 — very high | Medium | 0.56‰ |
| 45 Naâma | Zone 1 — moderate | Low | 0.23‰ |
| 46 Aïn Témouchent | Zone 2 — high | Medium | 0.42‰ |
| 47 Ghardaïa | Zone 0 — low | High | 0.21‰ |
| 48 Relizane | Zone 2 — high | Medium | 0.42‰ |
| 49 Timimoun | Zone 0 — low | Low | 0.12‰ |
| 50 Bordj Badji Mokhtar | Zone 0 — low | Low | 0.12‰ |
| 51 Ouled Djellal | Zone 1 — moderate | Low | 0.23‰ |
| 52 Béni Abbès | Zone 0 — low | Low | 0.12‰ |
| 53 In Salah | Zone 0 — low | Low | 0.12‰ |
| 54 In Guezzam | Zone 0 — low | Low | 0.12‰ |
| 55 Touggourt | Zone 0 — low | Low | 0.12‰ |
| 56 Djanet | Zone 0 — low | Low | 0.12‰ |
| 57 El M’Ghair | Zone 0 — low | Low | 0.12‰ |
| 58 El Meniaa | Zone 0 — low | Low | 0.12‰ |
The cover
What each cover pays for, in plain words.
Natural disasters (CAT-NAT)
CompulsoryEarthquake, flood, storm and ground movement. Required by law on every property in Algeria.
- Excess
- 2% of the loss, at least DZD 30 000
Fire and explosion
The building and what is in it, after a fire, a gas explosion or lightning.
- Excess
- DZD 5 000
Water damage
Leaks, burst pipes, seepage and overflow — in your home and in the neighbour’s below.
- Excess
- DZD 5 000
Personal liability
Damage you, your family or your pet cause to someone else.
- Limit
- DZD 5 000 000
Theft and vandalism
Burglary and vandalism, doors and locks included.
- Excess
- DZD 10 000
Glass breakage
Windows, glazed doors and wall-mounted mirrors.
Electrical damage
Appliances and wiring damaged by a power surge or lightning.
- Excess
- DZD 3 000
Valuables
Jewellery, gold and art you declare, up to the chosen limit.
- Limit
- DZD 1 500 000
Home assistance
An emergency plumber, locksmith or electrician, and somewhere to stay if your home is unliveable.
New-for-old contents
Furniture and appliances refunded at the price of new, with no depreciation.
What the law says
CAT-NAT cover has been compulsory since 2003
Since the Boumerdès earthquake, the law requires every owner of a building, and every commercial or industrial business for its premises, to insure against natural disasters: earthquake, flood and mudslide, storm and ground movement.
The price depends on the value insured and on how exposed the wilaya is to earthquakes and floods. Going uninsured means a fine and losing the compensation provided after a disaster.
At Hima, CAT-NAT cover is in every plan. Tenants insure their belongings and their liability to the landlord.
A general summary: it replaces neither the law itself nor the terms of your contract.
Questions
Your questions, answered.
I rent: do I need insurance?
The lease almost always requires it: you answer for damage you could cause to the home — fire, water — and you protect your own belongings. The quote adapts to tenants.
How do I value my building?
Declare a rebuilding value, not a sale price: what it would cost to build again, without the land. An adviser at a branch can help you estimate it.
What exactly does CAT-NAT cover?
Direct material damage caused by an earthquake, a flood or mudslide, a storm or severe wind, and ground movement, once the authorities have declared a natural disaster.
Is my jewellery covered against theft?
With valuables cover, yes, up to the limit you choose and provided you declare it. Without it, theft cover applies to the everyday contents of the home.
Should I insure a second home?
Yes — CAT-NAT applies to every building. A home left empty part of the year is declared as such to your adviser.
How soon am I paid after water damage?
Report the claim with a few photos. For small damage the assessment can be done remotely and the offer usually arrives within days; you follow each step in your account.
Your quote
Your home insured before tonight.
Your wilaya, your floor area, your values: the price and the CAT-NAT line are worked out as you answer.
Get my quote