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Homeowners Policy Coverages

Homeowners Policy Coverages

Do you own a home in Mexico? We've got you covered!

Baja Bound offers great rates on Mexican homeowners policies from HDI Seguros. Choose a basic homeowners policy or go with the whole enchilada.

We've got something for every home - whether it's a house, condo or townhome - and whether you live in your home or rent it short or long term. Our policies are All Risk (Open Peril), offering broad coverage. HDI Seguros, one of the leading insurance companies in Mexico, is rated mxAAA by Standard and Poors. Their innovative, easy to understand homeowners policy was created with their clients in mind.

HDI’s Mexican homeowners policy has four easy to understand policy sections:

  • My Casa: Coverage for your home’s structure
  • My Things: Coverage for your personal belongings
  • My Well-being: Coverage such as Family Liability for your peace of mind.
  • Catastrophic Coverages: Optional coverage for earthquakes, volcanic eruptions and hydro-meteorological events such as hurricanes, floods, storm winds and tidal waves.

My Casa

Your Home’s Structure
Replacement value to rebuild your home's structure in Mexico in case of fire, explosion, water damage, vandalism, falling trees, and more. No deductible

Debris Removal
Covers the demolition and removal of debris from your home as well as clean up costs. No deductible.

Loss of Use
Also known as Extraordinary Expenses. If your home in Mexico is not liveable, this pays for a hotel or rental, moving costs and storage for your belongings for up to three months. No deductible. (Note this coverage, called Loss of Rents, is not available for rental properties.)

Accidental Glass Breakage
Covers glass windows, doors, mirrors and glass or acrylic domes in case of accidental breakage and vandalism. Includes glass installation. Deductible: $500 Pesos (~US $25).

My Things

Belongings
Replacement value for personal belongings such as clothing and furniture in case of fire, explosion, vandalism, and more. Includes jewelry, art and other valuables up to a limit. No deductible.

Theft Inside the Home
Replacement value for theft with signs of force of personal belongings inside your home in Mexico. Includes jewelry, valuables, electronics up to a limit. No deductible.

Appliances and Electronics (Optional)
Coverage for home appliances and electric equipment damaged due to short circuits, defects or neglect. No deductible.

Refrigerator Contents
Covers perishable contents inside the refrigerator due to a covered loss. No deductible.

Coverage on the Go (Optional)
Adds coverage for theft of belongings outside your home. Includes travel assistance, 10% additional payment in case of theft inside your home. No deductible.

My Well-being

Family Liability
Covers damages and injuries to others that occured on your property in Mexico. Includes legal expenses of up to 50% of the liability limit. No deductible.

Domestic Liability
Covers both injuries to domestic workers inside your home in Mexico as well as damages caused by domestic workers. No deductible.

Personal Accidents Inside the Home
Reimbursement of medical payments or in case of accidental death. Deductible: $1000 Pesos (~US $50)

Home Assistance
Covers emergencies such as plumbing, electric, locksmith and broken glass. Two events per year. Includes legal assistance.

I Feel Good (Optional)
Covers accidents outside the home and funeral expenses for the policyholder, spouse and children. Deductible: $1000 Pesos (~US $50). Includes medical assistance, and dental services.

Catastrophic Coverages

Earthquake and Volcanic Eruption (Optional)
Covers damages to your home and belongings in Mexico caused by an earthquake and/or volcanic eruption. Deductibles and coinsurance apply to the structure, belongings, Debris Removal and Loss of Use.

Hydro-meteorological Events (Optional)
Covers damages to your home and belongings in case of a hurricane, windstorm, flood, tidal wave, and more. Deductibles and coinsurance apply to the structure, belongings, Debris Removal and Loss of Use.

What Isn't Covered?

Land
The land the home is built on is not covered.

Wear and tear
Normal use and lack of maintenance are not covered.

Gradual damages
Such as pests, leaks, mold, rust, corrosion, erosion, etc.

Registered vehicles
Registered vehicles require their own Mexican auto policy.

Theft without force
Signs of force must be present for theft coverage to apply.


4.7 162 Reviews
  • user logo
    Paul Niehouse
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    Extremely easy to acquire a policy. Many options available. Reasonable rates.

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    Cesar Lopez
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    Very convenient, great price !!

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    Jay Ross
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    Super easy to sign up for insurance for both our Truck and Four Wheel Pop-Up camper. We had no issues while driving south of the boarder......

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    Jose Paez
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    Had a great experience getting insurance at Baja Bound, before I always stoped at the border to purchase my insurance, not anymore. By the...

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    Gary Counts
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    So convenient and easy to navigate thru the online process. I'll never use any other Mexican insurance service!

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    JohnPaul Gemelli
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    Baja Bound could not have made it an easier ... also, I made a mistake and called them having to leave a message ... but, they called back...

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    Edilver Martinez
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    Our go to Baja car insurance, everytime we take a visit down south . Usually it's for a day trip either for a quick getaway with the family...

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    Colin
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    Super-easy and instant. Very happy with initial purchase.

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    Tracy Moore
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    Very easy, quick, and professional

  • user logo
    jos en elly balemans - wouters
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    We were trying to get an insurance for our RV in Mexico, we come from Europe and we drive with Belgium license plates. I tried a lot of...

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    robert
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    If you are going to Mexico Baja Bound is excellent. Buy online, good price, good quality. Fast and efficient.

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    Jan Muhammad
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    I need a tourist visa for maxico I'm from pakistan help me sir

  • user logo
    Art Eugenio
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    I've had Baja Bound insurance for more that ten years now with thousands of miles logged in Baja. Fortunately, I've only had one fender...

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    Rivera Jose
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    Quick easy to navigate website

  • user logo
    Kenneth Trass
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    Getting a policy was simple, Provided more than provider for price comparison.

  • user logo
    Adrianna Dorsey
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    Great company, great prices, and even better customer service. We've lived in Baja for 7 years and have used them for the past 6years....

  • user logo
    Jeff Dippel
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    Honestly their app is so fantastic and saves all my info I can literally buy the same insurance for my Baja trips in less than 45 seconds...

  • user logo
    Jose Feliciano
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    Hola exelente serbicio rapido ya no pierdo tienpò esperando en Ningun otro lado ...lo ago. En linia cuando voy de Camino y ya .... ...

  • user logo
    Juan Zuniga
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    I just would like to know if you guys are going to update the fastpass direction any soon, during the month of January the lane changed to...

  • user logo
    Robert Goody Good Real Estate Mesquite Nevada
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    Thank goodness never had to use this. Great interactive website to huy.

  • user logo
    Larry Cottingham
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    Great service, very helpful people there.

  • user logo
    robert kepper
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    They are very good . There website doesn't show you need a title to bring a vehicle across the border.I was stopped and told I had to...

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    Charles Gee
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    Incredibly fast and painless. Paid about $180 for a month of coverage. It was easier than going on line.

  • user logo
    Rail1riders
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    Quick, easy, well designed website and not just for Baja. Good rates for temporal residente gringos. We’re now living in Jalisco. Printed...

  • user logo
    Larry French
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    By far the best service for Mex insurance in Baja. They are personally there for you if you have problems south of the border.

  • user logo
    Teresa Stricker
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    Great service and prices!

  • user logo
    Roberto Garcia
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    Easy and fast in less than 10 minutes you could have insurance for Mexico. I have used them for about 8 years already.

  • user logo
    Rebecca Newell
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    Great service!

  • user logo
    Tudor Thomas
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    Baja Bound makes buying insurance for going south of the border as easy as it gets. The website is the easiest I have used and the staff...

  • user logo
    Angie Rodriguez
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    I wish every company was as easy to deal with as Baja Bound. I ended up staying in Baja longer than expected and it took a 3 minute phone...

  • user logo
    Benjamin Driebe
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    Absolutely fantastic, I already forgot her name because I have a terrible memory but the woman that helped me on the phone was wonderful,...

  • user logo
    Kellye Pummill
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    Fast and easy!

  • user logo
    JUSTINE SERRANO
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    I purchased insurance through them & CHUBB for our trip to San Felipe. Unfortunately, we had to cancel due to our vehicle having an oil...

  • user logo
    Daniel “Dan M” Markofsky
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    Third time working with Baja Bound and they made it easy! Thanks!

  • user logo
    Howard M Elster
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    2nd year with Chubb. No problems

  • user logo
    Jolene Bibian
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    Shauna at Baja Bound was AWESOME!! We had specific questions about how to quote the policy based on our vehicle type and she was super...

  • user logo
    Benny Marquez
    From logo

    Great company and they use CHUBB which is a top notch insurance company.We got our policy online 30min before crossing the border and were...

  • user logo
    Esther Valencia
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    Super easy to purchase just the coverage you need when crossing the border in your own car. I especially appreciate the fact that I was...

  • user logo
    j dougher ty
    From logo

    Great service, EZ and reasonbably priced. Been using Baja Bound for many years now. Great company and people!

  • user logo
    Steve Bender
    From logo

    Have never needed to use the insurance fortunately but the website always works great. Can buy a policy in about a minute.

  • user logo
    Mike Oveson
    From logo

    Baja Bound made it SO EASY to purchase insurance for our one week trip to Tijuana. I would definitely use them again for future trips and...

  • user logo
    Mark Sokol
    From logo

    Easy to obtain, good quality, auto insurance for Mexico.

  • user logo
    Andreas Hansen
    From logo

    Was planning to go to Mexico, but unfortunately my bike broke down. Got very friendly and fast service from Rigo. A full refund within back...

  • user logo
    Pim Handgraaf
    From logo

    Great company. unlike their competitors, Baja Bound answers the phone and you're talking to a real person. Highly reccomend!

  • user logo
    Juan Zavala
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    Excellent

  • user logo
    Mike Dahl
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    Signing up for policies is super easy. Never had a claim and hope I don't have to. But the service and process was fast and good.

  • user logo
    len buckholtz
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    SIMPLE, STRAIGHTFORWARD. OLD GUYS LIKE THAT. WILL DEFINITELY USE IN 6 MONTHS IF STILL RUNNING AROUND THE WILDS OF BAJA.

  • user logo
    Mehdi Fahid
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    I reapplied for my Baja Bound Mexican car Insurance yesterday and I spoke to Ms. Shauna. This lady processed my application quickly and...

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    james whitmer
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    Best insurance I've had so far

  • user logo
    George
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    Excellent customer service

  • user logo
    Ryan Frisby
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    We use them every time we travel to Mexico. Luckily we have not needed their services yet but getting insurance through them is quick and...

  • user logo
    Matt B
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    I always use Baja Bound to source my insurance while traveling to Mexico. Fortunately, I have not had to file any claims. I do appreciate...

  • user logo
    RaMon McBride
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    I have not had any claims thus far so rating is based on ease of purchase.

  • user logo
    Nereyda Torres
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    Me gusta la asuguranza porque la puedes comprar por un dia y te asegura en Mexico por el tiempo que vas ya sea hasta por mes (Translated...

  • user logo
    Supercalifragilistic Expialadosious
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    Thank God I had a safe trip but it did have me at peace knowing I was fully covered. The staff were friendly and very helpful.

  • user logo
    Lourdes Montoya
    From logo

    Easy, fast, and affordable.

  • user logo
    Luis Cortes
    From logo

    Easiest way to purchase insurance when traveling to Mexico. I have used their service for the last 7 years and it only gets easier and...

  • user logo
    Louis Schneidman
    From logo

    I had an awesome experience with Baja Bound. Family owned and highly personal, top notch customer service. I have total peace of mind...

  • user logo
    don letson
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    Great renewal process, if only south Dakota would do the same for car registration.

  • user logo
    Chyla Nava
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    Great, easy to use service. I haven't had to file a claim (and hope I never have to) but the online portal is very easy to use, and it's...

  • user logo
    John Ellis
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    A very easy to use website and good selection and rates. In the 10 years I have travelled in Baja, this is the only site I have used.

  • user logo
    Tony Vigil
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    My wife and I were in Baja the 1st week of October. Insurance through Baja Bound was quick and easy. Thank you

  • user logo
    Dennis Rogers Viejo Loco Chingon
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    Mexican Insurance made easy, I have used Baja Bound Mexican Insurance for all most 5 years, price and ease is great, luckily I have never...

  • user logo
    Jeff Bunker
    From logo

    Great coverage options . Price buy and print policy , very quick and easy , highly recommend them when driving in Mexico

  • user logo
    Jennifer Toups
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    Baja Bound is and has been my go to Mexico insurance company. The website is extremely easy to use, keeps all your info for a quick...

  • user logo
    Nicolas Dervé
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    Very good ans very fast. We hope all will ben good if we need it.

  • user logo
    Darrin Baxter
    From logo

    I recently purchased insurance for my trip with Baja Bound because of their reputation and reviews. Easy enough to purchase and print...

  • user logo
    Slumdog Gump
    From logo

    Changed some money. Good rate and friendly people.

  • user logo
    Joey Digiovanni
    From logo

    Easy to work with 😉. Always courteous and helpful. Have used them for all trips to Mexico. Easy website to navigate

  • user logo
    Jason Ware
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    Easy to buy Mexico car insurance from and good service

  • user logo
    Kyle Spahn
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    I have used Baja Bound for years. Very easy and affordable.

  • user logo
    John I. Mitchell
    From logo

    Professional and affordable.

  • user logo
    Blake Glassco
    From logo

    I will never drive south of the border without Baja Bound in my center console. I was in an accident a couple hours south of Ensenada and...

  • user logo
    Isi Soto
    From logo

    Easy to get and the price is right

  • user logo
    Richard Schweiger
    From logo

    Very professional, very helpful, great policy, I couldn't be happier with Baja Mexican Insurance, the friendly smiles and ease of it all in...

  • user logo
    keith berkley
    From logo

    Been going to baja for 45 years. This is best insurance company i have come accross.

  • user logo
    Jeff Brandt
    From logo

    so far so good, however I have read good things about them

  • user logo
    Ryan Perkio
    From logo

    I have been using BajaBound Insurance for 15 years - multiple trips per year. Their website is easy, their coverage is great, and the...

  • user logo
    richard carr
    From logo

    fast replies and great price!

  • user logo
    Mariano Velazquez
    From logo

    Baja Bound is #1. They make getting Baja Mexico insurance a pleasure.

  • user logo
    Aj
    From logo

    Reasonable prices and we thought best chance to actually get results if we needed them.

  • user logo
    Cyndee Congrove
    From logo

    Great customer service, quick, friendly staff helpfully answered all questions, very patient with my learning curve on a new product. Would...

  • user logo
    Kelly Carney
    From logo

    Yara is very helpful and explains everything. Love working with companies like this.

  • user logo
    masa SAL.
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    Good seevice have use baja bound for many years good price....

  • user logo
    Edward Ramos
    From logo

    Great service, quick response time.

  • user logo
    Stephen Graham
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    Super simple, inexpensive, easy to work with, amicable and great communication

  • user logo
    Refugio I. Rochin
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    Excellent online and by direct phone. Spanish and English with proven response to questions. Website is very informative about driving in...

  • user logo
    Kierian Kuklok
    From logo

    I have been a customer for years and when I really needed them they stepped up in every way. I had a freak accident to my car and they...

  • user logo
    Seismic Waterfinder
    From logo

    Very excellent service, needed insurance for Mexico, price was fair. The custumer service rep was Yara

  • user logo
    Phil Noble
    From logo

    If you’re looking for Mexican Insurance that you can trust and feel good about while traveling in Mexico, you’ve found the right place....

  • user logo
    benjamin bakke
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    Easy insurance for peace of mind

  • user logo
    Susana Judd
    From logo

    Easy, quick and fair prices. Easy to deal with if needed.

  • user logo
    Christian Minor
    From logo

    Team were on point, provided inside information, prices were great and they had my proposal already in the system when I called back....

  • user logo
    Marilyn Moore Gianetti
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    Easy to renew, offers the best coverage for me to feel comfortable while driving in Mexico.

  • user logo
    Maria Elena Smith
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    Easy and affordable.

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    Sengoz N
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    SERIOUS.

  • user logo
    Jeff G
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    Went down to TJ June 11 2020 No problems going into TJ but the way back was a ordeal 6 hours in line to get back into the USA but no...

  • user logo
    Gabe Matthews
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    Where do i start..... you dont know you have good insurance until you have to actually use it. I have had Baja Bound INS for over 5 years...

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    richard colman
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    This is an update to my previous review. Baja Bound, unbidden on my part, reached out to me to assist. They coordinated a contact with...