Mexico Homeowners Insurance for
Expats & Property Investors
Protect your Mexican property investment with comprehensive English-language coverage designed specifically for American and Canadian expats.
- Building
- $100k-$3M
- Coverage available
- From
- $300/year
- Annual premiums
- English
- Policies
- Full translation
- Natural
- Disasters
- Earthquake & hurricane
Compare GMX and AIG coverage • Instant quotes available
Compare Mexico Homeowners Insurance Carriers
Two leading carriers offering comprehensive coverage for expat properties
GMX Seguros
NO DEDUCTIBLEMexico's premier insurance provider with specialized expat coverage
Sample Annual Rates:
Beach Home | $1,928/yr |
Beach Condo | $802/yr |
City Home | $1,204/yr |
City Condo | $500/yr |
- No deductible on fire damage
- Fast Track claims (5-day payment)
- No deductible on all-risk coverage
- 50+ years experience in Mexico
AIG Seguros
BEST VALUEGlobal leader with competitive rates for Mexican properties
Sample Annual Rates:
Beach Home | $1,691/yr |
Beach Condo | $680/yr |
City Home | $1,061/yr |
City Condo | $438/yr |
- Lower premiums on average
- International claims network
- USD payment options
- Global reputation & stability
Comprehensive Coverage Details
Protection designed for Mexico's unique property risks and expat needs
Building Coverage
$100k - $3M- Structural damage
- Built-in fixtures
- Pools & outdoor kitchens
- Foundation systems
Contents Coverage
$50k - $500k- Furniture & belongings
- Electronics & appliances
- Artwork & collectibles
- Personal effects
Natural Disasters
Full coverage- Hurricane damage
- Earthquake protection
- Flood & storm surge
- Volcanic eruption
Liability Coverage
$500k standard- Third-party injuries
- Property damage
- Legal defense costs
- Medical payments
Fire & Lightning
No deductible- Fire damage
- Lightning strikes
- Explosion damage
- Smoke damage
Additional Coverage
Varies by policy- Theft ($5k-$27k)
- Glass breakage
- Electronics ($5k-$27k)
- Extra expenses ($15k-$39k)
Location-Specific Coverage Information
Coverage requirements and pricing vary by location in Mexico
Coastal Properties (Puerto Vallarta, Playa del Carmen, Cancún)
Coverage Requirements:
- Mandatory hurricane coverage
- 3-5% deductible on hurricane claims
- Year-round storm protection
- Flood & storm surge coverage
Premium Ranges:
- Beach Home: $1,600-2,000/year
- Beach Condo: $680-850/year
- 30-100% higher than inland
- Distance from water affects rate
Inland Properties (San Miguel de Allende, Lake Chapala, Mexico City)
Coverage Focus:
- Earthquake protection essential
- 2% earthquake deductible
- All-risk coverage emphasis
- Fire & theft protection priority
Premium Ranges:
- City Home: $1,000-1,300/year
- City Condo: $400-550/year
- 50-70% less than coastal
- Best value for coverage
Why Choose Expat-Focused Coverage
Specialized features designed for American and Canadian property owners
English Policies
No translation confusion
Bilingual Claims
Support in your language
USD Payments
Avoid peso fluctuation
Fast Claims
5-day payment available
No Fire Deductible
GMX exclusive benefit
Year-Round Coverage
Hurricane season included
- Trust must be named as policy beneficiary (not individual owner)
- Bank authorization required for all policy changes
- Special claims procedures with additional documentation
- Insurance must align with trust beneficiary changes
Failing to properly structure fideicomiso insurance can void your entire policy
Get Your Free Homeowners Quote
Compare GMX and AIG coverage with instant online quotes
Information We'll Need:
Property Details:
- • Property address in Mexico
- • Property type (House/Condo)
- • Construction type & year built
- • Square footage
- • Distance from water
Coverage Preferences:
- • Building replacement value
- • Contents value estimate
- • Deductible preference
- • Preferred carrier (GMX/AIG/Both)
- • Payment currency (USD/MXN)
Frequently Asked Questions
Get answers to common questions about Mexico homeowners insurance
Trusted by Expats for Over 50 Years
Novamar Insurance Mexico - Your trusted partner for property protection
- 50+
- Years Serving Expats
- 10,000+
- Properties Insured
- $50M+
- Claims Paid
- 98%
- Customer Satisfaction
Office Locations Throughout Mexico:
• San Miguel de Allende
• Puerto Vallarta
• Playa del Carmen
• Mexico City
Protect Your Mexican Property Investment
Don't risk your investment with inadequate coverage. Get comprehensive homeowners insurance designed for expats, with English-language support and competitive rates.
Call: 800-823-2798 (MX) • +1 (800) 577-4308 (US)
Monday-Friday: 8:00 AM - 6:00 PM (Central Time) • Saturday: 9:00 AM - 2:00 PM
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