Comprehensive Home Insurance for Mexico
Mexpro's Mexico home insurance covers your full-time or seasonally occupied home, condo, or townhome with the best coverage on the market!
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Mexpro's Home Insurance for Mexico Is Just Better
Mexpro provides comprehensive insurance solutions for various types of properties in Mexico, including single-family homes, condominiums, townhomes, and rental properties. The policies are underwritten by GNP, one of Mexico's largest and most reputable insurers, offering extensive coverage options tailored to homeowners' unique needs.
Mexpro insures homes in ALL OF MEXICO, including the Yucatan Peninsula, while providing up to $2 million in homeowners coverage. All our policies are written in English and Spanish, and claims adjusters and customer service staff are bilingual. We offer hurricane/earthquake coverage with only a 10-day waiting period and storm shutters are not required. And you're really in luck if your home is near the U.S. border, where it may qualify for a tax discount of up to 50%.
Single Family Home Insurance for Mexico
Mexpro's single-family home insurance policies cover a wide range of potential damages and losses, including fire, theft, natural disasters, and more. These policies are designed to protect the home and other structures, along with the personal belongings within it.
Key Features
- Replacement Value Coverage: Reimbursement for the cost to repair or replace your home and other structures.
- Fire and Risk Coverage: Protection against damage from fire, lightning, explosions, fallen trees, smoke, pipeline breakage, and more.
- Personal Property: Pays for personal belongings / contents inside your home including furniture, electronics, appliances, art, jewelry, etc.
- Civil Liability: Coverage for legal liabilities arising from incidents where others or their property were harmed/damaged on your premises.
- Glass Replacement: Will pay for the replacement and installation of windows, doors, skylights, and other items.
- Debris Removal: Coverage for the cost of removing debris after a covered loss.
- Extraordinary Expense: Pays for lodging or loss of rents if your home becomes uninhabitable.
Condo and Townhome Insurance for Mexico
For condominium and townhome owners, Mexpro offers specialized insurance that covers both the interior of the unit (cabinets, countertops, floor coverings, bathroom fixtures, hot water heaters, etc.) and personal belongings. This type of insurance is particularly important due to the shared nature of condo and townhome properties.
Most condo associations have a commercial insurance policy that usually covers the exterior shell of the building and common areas, but not the interiors. Ensure you understand which portion of the dwelling you need to insure before purchasing a policy.
Key Features
- Interior Coverage: Protects the interior structure, including walls, floors, and built-in fixtures.
- Personal Property: Pays for your personal belongings / contents inside your home from fire and other risks.
- Liability Coverage: Provides protection against liability claims from accidents that occur within the unit.
- Loss Assessment: Covers shared losses or damages that may be assessed by the condo association.
- Glass Replacement: Will pay for the replacement and installation of windows, doors, skylights, and other items.
- Temporary Housing: Covers the cost of temporary housing if your unit is uninhabitable due to a covered loss.
Mexico Home Insurance Coverage Details
Dwelling
Fire & All Risk*
$5,000 - $2,000,000
$500 - $20,000
None
Replacement value coverage for your home and other structures on your property.
Dwelling
Optional Catastrophic
$5,000 - $2,000,000
1% - 5%**
10% or 20%**
Catastrophic replacement for hurricane, flood, earthquake, volcanic eruption.
Personal Property
Fire & All Risk*
$5,000 - $1,000,000
$500 - $20,000
None
Personal property or contents coverage for furniture, electronics, appliances, etc.
Personal Property
Optional Catastrophic
$5,000 - $1,000,000
1% - 5%**
10% or 20%**
Optional coverage for damage to personal property caused by catastrophic events.
$1,000 - $400,000
None
None
Pays expenses incurred when your home becomes uninhabitable.
$1,000 - $250,000
$500 - $20,000
None
Optional, covers theft of household contents.
Glass Breakage
$1,000 - $100,000
$500 - $20,000
None
Replacement and installation of glass broken by a loss.
Debris Removal
$5,000 - $200,000
None
None
Covers demolition and disposal costs.
- * Fire All Risk includes fire; lightning; fallen trees, antennas, billboards; smoke; water above or below ground; collisions; and more. Please refer to GNP's terms and conditions for more information.
- ** Deductible/Coinsurance amount is dependent on the home's location in Mexico.
Optional Coverage
Theft
Contents coverage for items contained inside the home with values up to $1000 each.
Catastrophic Coverages
Hydro-meteorological, earthquake, and volcanic eruption. Available on coastal properties.