Standard Homeowners Policy

HDI
Basic Policy Overview

See General Conditions for Full Description of Coverage and Exclusions

Coverage for the Structure of Your Home

This coverage will protect you in case of damage caused to the structure of your home by a covered incident. Water supply systems, sewage, lighting facilities and building fixtures are included in the coverage. The land and buried foundations are not covered and should not be included in the value of the structure.

Earthquake/volcanic eruption coverage is not included with basic coverage, but is available for an additional premium. Hydro risk and flood coverage is not included with basic coverage, but is available for an additional premium.

The value of the structure may be found on tax documents or other documents when the home was purchased. This value is not necessarily the current market value. The land value should not be included when considering your structure value.

See General Conditions for Full Description of Coverage and Exclusions

Coverage for Your Belongings

This coverage will protect you in case of damage to your personal belongings by a covered incident. It is important to do a home inventory to accurately insure yourself. A home inventory is also an important record of what you own for the insurance company. It should include photos or video. A good resource for free home inventory software is Know Your Stuff.

Important: Let your agent know if you have rare objects, art, maps, manuscripts, plans, and drawings, valuable papers like accounting books or deeds. These items must be itemized in order to be covered under the policy. See General Conditions for Full Description of Coverage and Exclusions

Liability Coverage

Family

This coverage will protect you should someone be injured or their goods damaged by you or on your property during private or family activities. Legal defense and expenses are included if necessary.

The following situations are covered under the policy:

  • Head of family
  • Injury caused as a result of fire or explosion in the housing unit
  • Damage caused as a result of accidental or unforeseen water spillage
  • Practicing amateur sports
  • Using bicycles, skates, pedal or rowing vehicles without engines
  • Ownership of knives, air guns, and fire arms, for hunting or target shooting when they have legal documentation
  • Injury caused by domestic, hunting, or guardian animals
  • During trips for study, vacation, or pleasure in the Mexican Republic
  • Injuries resulting from construction or expansion works on the house provided that such works are carried out for maintenance purposes and do not last more than 30 days
  • Accidents caused by domestic employees while performing their functions, as well as those caused by personnel performing maintenance activities

Labor

Two domestic employees are covered up to $12,000 Mexican pesos per event if they suffer a personal accident while working on the premises. It must be stated on the front of the policy that you are covered for this risk.

Who is Covered Under the Policy?

  • The acts of the person listed on the policy (policyholder) and his/her spouse.
  • The acts of children who are in the custody of the policyholder if the children are single and under 18 years old or students who are under the age of 24.
  • Unmarried female children of age who live permanently with the policyholder and who are economically dependent on such.
  • Acts of domestic employees arising from doing work for the policyholder.
  • Domestic employees and maintenance workers when performing their duties.
  • Acts of the disabled under the responsibility of the policyholder.
  • Acts of the policyholder's parents or spouse if they live permanently in the same home.

See General Conditions for Full Description of Coverage and Exclusions

Home Assistance

HDI's Home Assistance services are available for emergency and non-emergency situations.

Emergency Services

If there is an immediate need for to repair a breakage or situation that endangers people or goods, you may request emergency services.

  • 24 hours a day 364 days a year
  • Plumbing
  • Electricity
  • Locks
  • Glazing
  • Ironwork
  • Carpentry
  • Security
  • Lawyers

Assistance Services

Assistance services are available for non-emergency situations. A technician may be sent to your home for a quote, repair or remodeling job.

  • Plumbing
  • Electricity
  • Locks
  • Glazing
  • Painting
  • Carpentry
  • Veterinary
  • Masonry
  • Architecture
  • Design
  • Construction
  • Conservation and maintenance

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