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Mexican Homeowners Insurance
Property coverage for your home in Mexico
Dwelling, contents, and liability coverage for homes, condos, and rental properties owned by US and Canadian citizens in Mexico.
Mexican homeowners insurance is a property policy issued in Mexico that covers your home or condo against fire, storms, theft, and liability claims. If you own property in Mexico — full-time, part-time, or as a rental — your US homeowners policy does not cover it. This page covers what's included, the natural-disaster exposures specific to Mexican property, and how to get a policy online.
Read the full Mexican homeowners insurance buyer’s guide →
See also: Mexico Renters Insurance · Mexico Condo Insurance
What homeowners insurance covers
- Dwelling structure and permanent fixtures
- Personal contents and valuables
- Liability for injuries on your property
- Theft and vandalism
- Hurricane and tropical-storm damage
- Loss of rental income (rental properties)
What's not covered
- Properties used for high-risk commercial activity
- Damage from neglect or pre-existing structural issues
- Earthquake unless you add the rider (recommended in Pacific-coast areas)
Coverage levels
| Basic | Standard | Premium | |
|---|---|---|---|
| Dwelling coverage | Up to $250K | Up to $750K | Up to $2M |
| Personal contents | 10% of dwelling | 30% of dwelling | 50% of dwelling |
| Liability | $100,000 | $300,000 | $500,000 |
| Hurricane / tropical storm | Included | Included | Included |
| Earthquake rider | Optional | Optional | Optional |
| Loss of rental income | — | Available | Included |
Dwelling coverage
- Basic
- Up to $250K
- Standard
- Up to $750K
- Premium
- Up to $2M
Personal contents
- Basic
- 10% of dwelling
- Standard
- 30% of dwelling
- Premium
- 50% of dwelling
Liability
- Basic
- $100,000
- Standard
- $300,000
- Premium
- $500,000
Hurricane / tropical storm
- Basic
- Included
- Standard
- Included
- Premium
- Included
Earthquake rider
- Basic
- Optional
- Standard
- Optional
- Premium
- Optional
Loss of rental income
- Basic
- —
- Standard
- Available
- Premium
- Included
How to get covered
- 1Enter the property address, value, and use (primary, vacation, rental).
- 2Pick coverage limits and add an earthquake rider if you're on the Pacific coast.
- 3Pay annually online — the policy is good for 12 months.
Your Mexican home deserves a Mexican policy.
Frequently asked questions
Can my US homeowners policy cover my Mexican property?
No. US policies cover property at a US address; you need a separate Mexican policy from a Mexican-licensed insurer for any property held south of the border.
Is earthquake coverage included?
Earthquake is offered as an optional rider on every plan level. If your property is in Baja, Oaxaca, Chiapas, or Mexico City, the rider is strongly recommended.
Does it cover hurricanes and tropical storms?
Yes — wind and storm damage from hurricanes and tropical storms is included on every plan. Flood from rising surface water is typically separate; ask before you buy.
Are rental properties covered?
Yes. Standard and premium plans add loss-of-rental-income coverage and higher liability limits — important if you list the property on a vacation-rental platform.
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