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Mexican Home Insurance for Expats: What to Consider

Author: West Costri
by West Costri
Posted: Nov 18, 2023

So, you have made the big move and decided to be a homeowner in Mexico—congratulations on taking a step many only dream about! But while enjoying your sunny new home, remember it is crucial to ensure its safety and security. The first step is getting to know how home insurance works in Mexico. Here’s your guide to making the right choice.

Know that Mexico does not accept U.S. (United States) or Canadian Insurance.

The Mexican insurance system operates on a different set of rules and risk assessments than you are used to back home. This means your existing US or Canadian policy will not cover your home in Mexico. In other words, you must find a policy recognized by Mexico that provides adequate protection to your home.

Comprehensive coverage is vital.

When looking for Mexican Home Insurance, finding a policy that offers comprehensive coverage is essential. Think about protection from natural disasters like hurricanes and earthquakes, but also consider coverage for glass breakage and debris removal.

Adding liability coverage to your home insurance is also a good idea. This type of coverage provides 3rd party liability insurance protection in the event a guest has an accident on your property or for example a palm tree falls and crashes down on your neighbors home.

A good Mexico home insurance policy will help you sleep at night, knowing you and your home are safe from unexpected events.

Consider getting a property valuation.

You must know what your home in Mexico is worth before you insure it. This is just as much about the square footage of the house as it is about where it is located and what amenities it has. A correct valuation will ensure that the policy you buy matches the value of your home.

Consider adding personal property coverage to your policy.

Apart from the building itself, remember that you have many valuables inside your home that your home insurance should cover. Start by listing all the valuables in your home and their worth. Share this information with your insurance provider to find the best way to protect these items.

Seek advice from your insurance provider.

Getting the right home insurance in a new country can be challenging, mainly because of different rules and ways of doing things. This is why it is always a good idea to ask your insurance provider for help.

Talking to an insurance provider who knows the Mexican home insurance landscape inside out can be a massive help, like West Coast Global Insurance Services. They can guide you in making smart choices when buying home insurance in Mexico, helping you find the best option for your needs and budget.

Get your Mexico home insurance quote today!

Securing your home with the right insurance policy is crucial in protecting your investment and enjoying peace of mind as you settle into your new life in Mexico.

At West Coast Global Insurance Services, we have been providing insurance solutions since 2004. We can connect you with top-rated Mexican insurance carriers, helping you review, compare, and buy the best policy for your needs and budget. Don’t wait to secure the best online Mexican insurance for your home—click here for a free quote, or visit for more information!

About the Author

West Coast Global Insurance Services is dedicated to continuously researching our industry for the most comprehensive, best-priced insurance policies available in Mexico.

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Author: West Costri

West Costri

Member since: Apr 30, 2021
Published articles: 64

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