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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 that for rental properties, this coverage is called 'Loss of Rents' and it is not available on our policies at this time.)

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 Inside the Home
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 misuse. 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 while you're on the go. 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.

Motorized vehicles
Motorized vehicles require their own Mexican auto policy.

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


4.8 234 Reviews
  • user logo
    Benny Marquez
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    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...

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

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

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

  • user logo
    Lourdes Montoya
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    Easy, fast, and affordable.

  • user logo
    Scott Higgins
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    Very knowledgeable and helpful.

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

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    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
    Amy O'Neill
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    Easy to use website. We felt so much better having insurance for our family trip to Mexico.

  • user logo
    Kierian Kuklok
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    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
    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
    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
    JC Lam
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    Purchasing process was easy. First time I have bought Mexican insurance online. Before I would stop somewhere in San Diego close to the...

  • user logo
    Bhaskar Singh
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    Good and clean place.

  • 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
    R Dub! / Ramblin' Randy
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    Used them for the first time - twice in the past 10 days. LOVED how easy it was to customize my own policy right at my desk, print up the...

  • 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
    Steven Rust
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    Baja Bound was recommended to us by a fellow SCORE racer for the Baja 400 in Ensenada. We insured 12 vehicles with multiple drivers and BB...

  • user logo
    Ryan Perkio
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    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
    bruce robeson
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    Good service, good products...

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

  • user logo
    Pierre Champigny
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    Excellent service! Michelle made it so easy for me to purchase a 6 month mexican policy for all of Mexico. A couple quick back and forth...

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

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

  • user logo
    Brian Anderson
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    Good coverage in several categories, with an efficient online purchasing experience and low cost. I felt confident going into Mexico on my...

  • user logo
    Peter Pontell
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    Save the hassle of trying to find a Mexican Insurance shop or waiting in line if you do. Baja Bound Mexican insurance on line is quick,...

  • 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...

  • user logo
    Kent Ferrin
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    I have used Baja Bound for insurance for many years. Their online process is easy and cost efficient. I have never had to use them for an...

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

  • user logo
    George Shafer
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    Flawless trip!

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

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

  • user logo
    Ryan Dee
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    Baja Bound is the easiest way to set up coverage before you head into Baja. Online, 5-mins, you're done! Simple. I insure my truck and...

  • user logo
    benjamin bakke
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    Easy insurance for peace of mind

  • 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
    Tracey Easter
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    Great insurance! Bought one year but was cured in 2 days on my visit to El Sauzal de Rodriguez next to Ensenada. Not an enjoyable place to...

  • user logo
    Andreas Hansen
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    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
    Kristina Leano
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    Michelle L. is the best Client Care Specialist! I originally purchased a policy a few months ago when we moved to Mexico. Then, my car...

  • 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
    Larry French
    From logo

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

  • 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
    Rebecca Newell
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    Great service!

  • user logo
    Charles Hardison
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    Easy to use and good peace of mind.

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

  • user logo
    keith berkley
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    Been going to baja for 45 years. This is best insurance company i have come accross.

  • user logo
    John I. Mitchell
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    Professional and affordable.

  • user logo
    Bruce Thacker
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    No claims but purchase was quick and simple.

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

  • user logo
    joel cunningham
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    Took just a few minutes on line. Easy even for a 75 year old

  • user logo
    Juan FL
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    very easy to pay and value is cheaper than GNP and ABA and they offer the same protection thank you!!!

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

  • user logo
    Gary Chapman
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    Only place to get insurance 👍

  • user logo
    Kim Nguyen
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    Amazing customer service. Very attentive. Definitely will do business with BAJA BOUND in the future. Thanks.

  • user logo
    Christian Minor
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    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
    Aj
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    Reasonable prices and we thought best chance to actually get results if we needed them.

  • user logo
    Sheldon Caughey
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    Best Claim Service. Staff went out of their way to resolve and settle an accident claim for me. I recommend Baja Bound having used them for...

  • user logo
    jarrod williams
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    Trip was awesome.

  • user logo
    Maria Smith
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    Easy and affordable.

  • user logo
    j dougher ty
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    Great service, EZ and reasonbably priced. Been using Baja Bound for many years now. Great company and people!

  • 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...

  • user logo
    Jeff Brandt
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    so far so good, however I have read good things about them

  • user logo
    Grace Centonzo Parker
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    They make it very easy to get Mexican insurance.

  • user logo
    BC Construction
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    Wonderful customer service, they made it easy to get my motorcycle insured for a last minute trip into Mexico. Explained the coverage with...

  • user logo
    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...

  • user logo
    Ed Derge
    From logo

    Great insurance for your motor trip to Mexico.

  • user logo
    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...

  • user logo
    Corinne Huntress
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    I absolutely love this company and site! We travel frequently between Arizona and Puerto Penaso, thus I have used the company multiple...

  • 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
    Dr Don Healthy Brain Resort
    From logo

    Great insurance policy experience for our Mexico travels

  • user logo
    ALI S.
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    Very easy process to purchase online. Very reasonable rates. Lots of good insight and helpful information on their website. My wife...

  • user logo
    Jay Ross
    From logo

    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......

  • user logo
    Tiffany Sorocco
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    Super easy I just entered my info on line paid $60 for 5 days of coverage and the policy was emailed to me. I never had to use it...

  • user logo
    David Sestak
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    Buying insurance on line is the most efficient way to go.

  • user logo
    Christa Bedwin
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    Rigo at the office has been so supportive and awesome, both on e-mail and by telephone. He helped me figure out details of my trip, sort...

  • user logo
    Mehdi Fahid
    From logo

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

  • user logo
    Isi Soto
    From logo

    Easy to get and the price is right

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

  • user logo
    Eric Neitzel
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    Michelle is so efficient and thorough.

  • 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...

  • user logo
    Mariano Velazquez
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    Baja Bound is #1. They make getting Baja Mexico insurance a pleasure.

  • user logo
    Joey Digiovanni
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    Easy to work with 😉. Always courteous and helpful. Have used them for all trips to Mexico. Easy website to navigate

  • user logo
    Mike Oveson
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    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
    richard carr
    From logo

    fast replies and great price!

  • user logo
    Roger Norman
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    Convenient, great website, prices are reasonable.

  • user logo
    Juan Zavala
    From logo

    Excellent

  • 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
    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
    Stvy84
    From logo

    Best Mexican Insurance Service Office, always ready to assist customers....Mrs. Yara, the best....👍👌🤝🤝

  • user logo
    Ted Talmon
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    Easy to renew my policy after two years. Good database!

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

  • user logo
    Edward Ramos
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    Great service, quick response time.

  • 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...

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    Gaspard Robo
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    Extremely well designed website and a smooth experience! Would recommend to anyone looking for US - Mexico insurance!

  • 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.

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

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    George
    From logo

    Excellent customer service

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    Sengoz N
    From logo

    SERIOUS.

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    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.

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    Howard M Elster
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    2nd year with Chubb. No problems

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    Siri Hedengran
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    Super easy to get insurance and had no issues whatsoever.

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    Edmonton Guy
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    2nd time purchasing Bajabound MX insurance while on the road. Super Easy, excellent interactive website via laptop of phone. Quick...

  • user logo
    Tyler Riddle
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    Easy to buy! I didn’t have to use it, so no clue on that front

  • user logo
    Carlos Vazquez
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    I called Baja Bound and Rigo from customer service was the most helpful person I've ever spoken to! If you get a chance to speak to Rigo...

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    Cesar Lopez
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    Very convenient, great price !!

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

  • user logo
    Eva Ortiz
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    Anytime we cross the border, I go to BAJA BOUND and purchased insurance online. It’s easy and the website is thorough in explaining what...

  • user logo
    Chris Temple
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    Quick, easy and gr8 pricing .

  • user logo
    Kellye Pummill
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    Fast and easy!

  • user logo
    Blake Glassco
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    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...

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    Repo and Boogies Rv Baja journal 2020
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    Day, night, while they are on vacation. Anytime. They are the best most helpful insurance companies on either side of the border!!! THE...

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    Tracy Moore
    From logo

    Very easy, quick, and professional

  • user logo
    Scott Sichler (Away We Winnebago)
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    Great site to get your insurance from the Baja experts.

  • user logo
    Marc Vance
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    Easy easy easy... I have my co pilot (wife) set it all up on the drive south to the border. With in minutes we are set to cross the border...

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    Rivera Jose
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    Quick easy to navigate website

  • user logo
    Jo
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    Baja Bound Insurance has gone above and beyond for me in their customer care. I was a pain as a customer, bought the wrong insurance, had...

  • user logo
    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!

  • user logo
    Mark Sokol
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    Easy to obtain, good quality, auto insurance for Mexico.

  • user logo
    Phil Noble
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    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
    Chris Barnette
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    I've used Baja Bound for a number of years to insure both cars and motorcycles on trips I've made to Baja and to central Mexico. The...

  • user logo
    Michelle Cloud-Hughes
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    I've used this company for all my Baja trips. Always super easy and straightforward, and I've never had any issues or problems.

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    Verna Brem
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    This company is the best 👌

  • user logo
    Ted Ramirez
    From logo

    Baja Bound Mexico Insurance provided great assistance during our drive into Hermosillo Son. last December 2021. We were victims of...

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    james whitmer
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    Best insurance I've had so far

  • user logo
    Sean Vincent
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    Great policy and easy to get.

  • user logo
    Rosemary Gomez
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    Baja Bound Mexican Insurance has been an excellent insurance company to use when you drive into Mexico. We have used them for the past 6...

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    Carlos Antonio Lopez Chavez
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    Great service, whoever answered my call was very helpful. First time using Baja Bound and I was expressed with the service. We'll see in...

  • user logo
    Mike Alexander
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    I had questions while submitting for Insurance on line so I called them. The customer service agent was exceptional on helping me to get...

  • user logo
    J P
    From logo

    Very easy to buy Mexican insurance 👌

  • user logo
    Charles Gee
    From logo

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

  • user logo
    Adrianna Dorsey
    From logo

    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....

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    Teresa Stricker
    From logo

    Great service and prices!

  • user logo
    Jose Paez
    From logo

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

  • user logo
    Jose Feliciano
    From logo

    (Translated by Google) Hello, excellent service, fast. I don't waste time waiting anywhere else... I'll do it. In line when I go on the...

  • user logo
    Jennifer Toups
    From logo

    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
    Heather Limon
    From logo

    I have been very impressed with the help I received from the insurance. I have used them for years and never needed their help. This time...

  • user logo
    Angie Rodriguez
    From logo

    I ALWAYS forget to get insurance on our Mexico trips but Baja Bound makes it so easy- I can do it from my phone in the car on the way and...

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    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...

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    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...

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    Seismic Waterfinder
    From logo

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

  • user logo
    Herb Harster
    From logo

    2nd time I have used this company,, first class service and great price.

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    Tudor Thomas
    From logo

    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...

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    robert kepper
    From logo

    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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    Dylan Balderson
    From logo

    Easiest method of getting Mexican auto insurance. Best rate we found and was setup in no time.

  • user logo
    Esther Valencia
    From logo

    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...

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    Leonel LeBaron
    From logo

    It was simple to purchase coverage and feeling that I was protected.

  • user logo
    Kerbi Pryor
    From logo

    Have used different times with different vehicles and each time was very simple - each time we have had to use extra days and was made...

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    richard colman
    From logo

    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...

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    Nereyda Torres
    From logo

    (Translated by Google) I like the insurance because you can buy it for a day and it assures you in Mexico for the time you go either up to...

  • user logo
    Roberto Garcia
    From logo

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

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    Alexandra O'Conner
    From logo

    I'm listening to the audiobook of God and Mr. Gomez at this very minute. One of my favorite books. Reading this article was sad but...

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    Devise Travels
    From logo

    QUICK and EASY! Get your insurance completed within minutes. Also, you are provided with a complete multi page document in English and...

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    len buckholtz
    From logo

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

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    Slumdog Gump
    From logo

    Changed some money. Good rate and friendly people.

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    Jermaine Coston
    From logo

    Baja Bound makes insurance for my occasional weekend motorcycle trips to Mexico easy and affordable. I can buy my previously-purchased...