Home insurance customized to YOUR needs.

Protect your condo or home in Mexico with our affordable and customizable policies.

homeowners insurance

Let us help you navigate the ins and outs of insuring your home in Mexico.

Let us help you navigate the ins and outs of insuring your home in Mexico. Our policies offer customizable options depending on your needs and have great, affordable coverage. Get a quote online and purchase within minutes from GNP Seguros.

Why purchase from SmartGringo? Because we allow you to adjust your policy limits up and down and review rates right away vs. having an agent randomly select coverage levels for you and come back with a quote. This way you can get the best insurance coverage for your home.  See your options immediately online and choose the homeowner’s policy that works for you.

Mexican Home Owners Insurance FAQs

What ‘s covered in these policies?

Homes and condo policies are offered with covered from $5,000 to $1,000,000 with deductibles starting at just $500. (Glass breakage coverage is calculated separately with different limits and deductible. You will see those options as you answer the policy questions.)

Personal property can be insured from $5,000 to $400,000 and deductibles starting as low as $500. (Theft coverage is calculated separately with different limits and deductibles. These options are also available as you customize your quote.)

Extraordinary Expense Loss of Use/Rents Coverage ranges from $1,000 to $100,000. Debris removal ranges from $1,000 to $100,000 max. Civil liability ranges from $100,000 to $1,000,000. (at least $300,000 is recommended)

What kind of flexibility is there in the deductible for the insurance policy?

As you fill out your quote, you will see that deductibles can be as low as just $500 all the way up to $20,000 so you can modify accordingly to your individual needs. You can also choose to have separate deductibles for personal property, theft, glass, and dwelling.

Can I get earthquake coverage in Mexico?

You can purchase optional coverage for catastrophic events like an earthquake and volcanic eruptions. They have separate deductibles and coinsurance amounts that vary by location. You can also purchase hurricane, windstorm, flood, tidal wave, and hail coverage, however, there is a 15 day waiting period for this. It is available for coastal beachfront properties.

Is GNP a reputable company for insurance?

Grupo Nacional Provincial (GNP) has been a top provider of insurance in Mexico for over 100 years. GMP holds a A- rating from A.M. Best’s Global Service Rating.

If I am robbed, will my valuables be replaced?

GNP’s policies offer replacement value coverage for your home and personal belongings. They will reimburse you for the cost to rebuild and replace your belongings.

If my home is severely damaged, does the policy include debris removal?

Yes. Debris removal is included in the policy and there is no separate deductible for that. Debris removal limits vary from $5,000 to a maximum of $100,000. You can adjust it as you answer your policy questions to see how it affects your rate.

What about glass breakage?

The replacement and installation of any broken glass is an option you can choose in your policy. It has minimum limits of $1,000 and a maximum limit option of $95,000. To calculate the amount of coverage you need, consider the size of your home and how much glass you currently have and what that would cost to replace. Note that in order to be covered, the glass in your home must be a minimum of 4 millimeters thick.

How does the coverage differ for condos and townhomes?

Condominiums and townhomes usually need insurance coverage for personal property inside the home and interior walls only because most condo associations have bylaws that cover the exterior. Check with your homeowner’s association for details.

How can I file a claim?

You can file a claim by calling GNP at (686) 566-1056 in Mexico. Be sure to have your policy available before you call.

Have additional questions? Contact us for more information. We’re happy to help.

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