Fire and building damage
The core of every policy: protects the structure against fire, explosion and other damage.
Home insurance
Protect your home in San Miguel
For full-time homes, second homes and vacation rentals. I'll help you insure at the right value, so a loss doesn't turn into a financial hit.
Coverage
What your policy can cover
Earthquake
Usually a separate coverage worth reviewing carefully.
Weather events
Hail, heavy rain, flooding and strong winds.
Contents and theft
Furniture, equipment and valuables, including theft with violence.
Liability
If a guest, visitor or neighbor is injured or their property is damaged, the policy responds for you.
Glass and electronics
Large windows and equipment that can be expensive to replace.
Common mistakes
Two mistakes that get expensive
Insuring below rebuilding value
If the insured amount is lower than what it would cost to rebuild, the insurer may pay only in proportion, even for partial damage. It's common in San Miguel homes with special finishes.
Renting without telling the insurer
If you rent your home, especially short-term, the policy must reflect it. Otherwise a claim can get complicated. We'll review how you really use your property.
Insurers
I compare several insurers
I look for coverage that fits your type of construction, how you use the property and your budget.
GNP
MAPFRE
AXA
and more
Free quote
What I need to quote you
- Postal code of the property
- Use: own home, second home, rental or business
- Square meters and type of construction
- Estimated rebuilding value and contents value
Send my details on WhatsApp
Free and with no obligation
FAQ
Home insurance questions
What value should I insure my home for?
The cost to rebuild it, not the market value of the property. I'll help you estimate it to avoid underinsurance.
Is my vacation rental covered?
It depends on the policy. Short-term rentals may need specific conditions, especially liability coverage for guests.
Does my US or Canadian home policy cover my house in Mexico?
No. A property in Mexico needs a Mexican policy.
I rent the house I live in. Do I need insurance?
You can insure your belongings and your liability to the owner and others without insuring the building.
Are the policies in English?
Policies are issued in Spanish. I explain the coverage and exclusions in English and help with any claim.
Other coverage you may need
More than insurance: a complete strategy to protect your life in Mexico and everything you've built.