Can my US homeowners policy cover my Mexican property?

No. US policies cover property at a US address; you need a separate Mexican policy from a Mexican-licensed insurer for any property held south of the border.

Is earthquake coverage included?

Earthquake is offered as an optional rider on every plan level. If your property is in Baja, Oaxaca, Chiapas, or Mexico City, the rider is strongly recommended.

Does it cover hurricanes and tropical storms?

Yes — wind and storm damage from hurricanes and tropical storms is included on every plan. Flood from rising surface water is typically separate; ask before you buy.

Are rental properties covered?

Yes. Standard and premium plans add loss-of-rental-income coverage and higher liability limits — important if you list the property on a vacation-rental platform.

Mexican Homeowners Insurance

Property coverage for your home in Mexico

Dwelling, contents, and liability coverage for homes, condos, and rental properties owned by US and Canadian citizens in Mexico.

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Mexican homeowners insurance is a property policy issued in Mexico that covers your home or condo against fire, storms, theft, and liability claims. If you own property in Mexico — full-time, part-time, or as a rental — your US homeowners policy does not cover it. This page covers what's included, the natural-disaster exposures specific to Mexican property, and how to get a policy online.

What homeowners insurance covers

Dwelling structure and permanent fixtures
Personal contents and valuables
Liability for injuries on your property
Theft and vandalism
Hurricane and tropical-storm damage
Loss of rental income (rental properties)

What's not covered

Properties used for high-risk commercial activity
Damage from neglect or pre-existing structural issues
Earthquake unless you add the rider (recommended in Pacific-coast areas)

Coverage levels

	Basic	Standard	Premium
Dwelling coverage	Up to $250K	Up to $750K	Up to $2M
Personal contents	10% of dwelling	30% of dwelling	50% of dwelling
Liability	$100,000	$300,000	$500,000
Hurricane / tropical storm	Included	Included	Included
Earthquake rider	Optional	Optional	Optional
Loss of rental income	—	Available	Included

Dwelling coverage

Basic: Up to $250K
Standard: Up to $750K
Premium: Up to $2M

Personal contents

Basic: 10% of dwelling
Standard: 30% of dwelling
Premium: 50% of dwelling

Liability

Basic: $100,000
Standard: $300,000
Premium: $500,000

Hurricane / tropical storm

Basic: Included
Standard: Included
Premium: Included

Earthquake rider

Basic: Optional
Standard: Optional
Premium: Optional

Loss of rental income

Basic: —
Standard: Available
Premium: Included

How to get covered

1Enter the property address, value, and use (primary, vacation, rental).
2Pick coverage limits and add an earthquake rider if you're on the Pacific coast.
3Pay annually online — the policy is good for 12 months.

Your Mexican home deserves a Mexican policy.

Frequently asked questions

Can my US homeowners policy cover my Mexican property?
No. US policies cover property at a US address; you need a separate Mexican policy from a Mexican-licensed insurer for any property held south of the border.
Is earthquake coverage included?
Earthquake is offered as an optional rider on every plan level. If your property is in Baja, Oaxaca, Chiapas, or Mexico City, the rider is strongly recommended.
Does it cover hurricanes and tropical storms?
Yes — wind and storm damage from hurricanes and tropical storms is included on every plan. Flood from rising surface water is typically separate; ask before you buy.
Are rental properties covered?
Yes. Standard and premium plans add loss-of-rental-income coverage and higher liability limits — important if you list the property on a vacation-rental platform.

What customers say

“I have a new car and I wanted to make sure it was protected. I loved how the site lets you customize options to suit what is best for my personal needs.”

— Josh

“My experience purchasing temporary Mexican auto insurance through SmartGringo was great. I liked that I can customize the policy to my needs and there were several options to choose from. It has become my go-to site to purchase car insurance when I am going across the border to play in Rosarito!”

— Jacob

“SmartGringo was fast and easy and within about 5 minutes I was printing out my temporary insurance policy to take with me to Mexico. Thank you!”

— Lori