We Provide Peace of Mind for Homeowners in Mexico
We have collected a list of the most commonly asked questions Mexican home owners insurance. If you have a question you do not see an answer to, please contact us at our toll free number of 1-888-461-2099, and we will discuss your specific questions with you.
Who is the Underwriter for Mexico on my Mind Homeowners Insurance?
Our Mexican Homeowners Insurance is underwritten by ACE Seguros, a subsidiary of The ACE Group. ACE is one of the world’s leading global property and casualty insurance organizations. ACE has a physical presence in 53 countries with commercial and individual customers in more than 170 countries.
Is This All Risk Coverage?
All Risk/Open Perils coverage is available along with Replacement Cost, rather than Actual Cash Value. Up to $1 million in liability and Increased Limits on Special Property are available as well.
Are the Terms and Conditions of a Homeowners Policy in English?
Yes. All of the forms are written in broad, easy to read U.S. style coverage forms similar to a U.S. HO3 type policy. You can download and view policy terms and conditions by clicking the following link:
Will Hurricane and Flood Coverage be Included?
Coverage for earthquake, hurricane, and flood are available with fixed deductibles and lower co-payments.
What Exactly is Covered?
Our policy is similar to a U.S. Homeowners Policy. Please spend time reading the “More Info” button, and carefully review the coverage displayed on your Quote Results page.
We are happy to work with your domestic Homeowners Insurance agent to help you feel more comfortable buying our policy. Feel free to have your agent call us on your behalf at 888-461-2099.
How Do I Get a Copy of my Policy?
When you purchase a Mexican Homeowners Insurance policy from Mexico on my Mind, we email you the receipt, the declaration page, the terms and conditions of your Mexican Insurance policy along with a link, a user ID and Password that allows you to retrieve these items when you need them.
How Do I File a Claim?
If you have a loss to your property in Mexico which exceeds your deductible, immediately call the toll free number included in your policy on the insurance claims instructions page. An adjuster will respond immediately to the scene and assist you with your claim.
I Own a Condominium, Can I Purchase Mexican Condominium Insurance?
We offer Condominium Unit Owners Insurance policy which includes coverage for contents and liability and can also include some coverage for the condo dwelling itself. When insuring your condo, there are some factors that you need to review prior to determining your “condo dwelling” insurable value.
Each Condo Association in Mexico should keep an Association Blanket Policy that covers the Association property. Typically, the condo association policy insures the Condo building, common elements such as pools, other structures, and the interior walls, alterations, fixtures, etc. To find out what kind of coverage your Condominium Association policy provides, and therefore what kind of coverage you should purchase, ask for a copy of your Association Bylaws.
Mexico on my Mind can insure your contents and liability and limited condo dwelling coverage or contents only. This is All Risk Coverage on your contents, including theft, with the option of Replacement Cost. Coverage is also available for some of the hard to find perils such as hurricane and earthquake.
I Rent my Home, What About Liability Coverage?
If you rent out your home or condo, we also include Renter’s Liability coverage at no additional charge in case of third party lawsuits brought against you for incidents that occur on your premises.
What Do I Need to Purchase a Mexican Homeowners Insurance Policy?
You will want to have a copy of your Fideicomiso or deed. Your policy will require that the “Named Insured” field reads exactly as the title to your home. It is not a problem if there are more than one set of owners on the deed.
How Do I Apply?
You can apply by clicking the link HERE!
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