Understanding your Mexico Policy

Home Insurance - Mexico Property Coverage:

MexPro Home covers your property in Mexico with the option to include the very broad "Special" or "Open Perils" concept used in the United States, which means that all losses will be covered, unless they are specifically listed as excluded under the policy:

Dwellings: Covers the Replacement Cost of the main structure of your Home and you can also cover carports, guesthouses, etc.

Other Structures: Covers your other detached structures, such as Garages, Pool Rooms, Cabanas, Equipment Rooms, etc., all with the option to insure them at their Replacement Cost.

Personal Property: Your personal belongings will be covered anywhere in Mexico. Property owned by your guests or employees will also be covered at your residence. Once again, you have the option to insure your Personal Property at Replacement Cost, vs. the traditional Actual Cash Value loss settlement.

MexPro Home includes automatic coverage for certain valuable property, such as money, securities, jewelry, fine arts, sporting equipment and property used for business purposes, up to special limits. If you need higher limits for Scheduled Personal Property, the option is available by listing any of your more valuable property under the Schedule of Valuable Property Section.

We also provide theft coverage up to 20% of your content limits for unscheduled property such as furnishings, appliances, and Audio and Video equipment.

Loss of Use or Rental Income: You will be covered for your additional living expenses and optionally for the loss of rental income if your home is involved in a covered property loss.

Mexican Liability: MexPro Home allows you to select limits of liability up to $ 1,000,000 (USD) to protect you and your family members for any lawsuits or demands presented against you anywhere in Mexico.

Renters Liability Coverage: If you rent out your home or condo, we also include Renter’s Liability coverage at no additional charge. Traditional Mexico Homeowners policies either exclude Renters Liability coverage altogether or charge a substantial additional premium for it.

Medical Payments to Others: In order to reduce potential lawsuits you will be automatically entitled to spend up to $1,000 in necessary medical expenses for third parties or for your residence employees, for injuries that may be caused by you, a family member or residence employees, or even your family pet, anywhere in Mexico.

Catastrophic Coverage for Earthquake & Volcanic Eruption, Hurricane, Cyclone, Windstorm & Hailstorm, Flood and Tidal Waves & Tsunamis

MexPro Home allows you to optionally insure your dwellings, personal property, loss of use and scheduled valuables against losses due to any of the above catastrophic losses.

Coverage is available after the deductible and your co-pay share of every loss; ACE has the solid financial ratings to ensure that in the event of a natural catastrophe, all of its policyholders will receive the payments, which are promised by the contract. Talk to us today about our unique options to reduce your deductibles and copayments on these risks!

Click here to compare MexPro's Home Insurance in Mexico policies to other traditional plans offered in the Mexico!