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Renters Policy Coverages

Renters Policy Coverages

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

Baja Bound offers great rates on Mexican renters policies from HDI Seguros. Choose from a basic renters policy or go for the whole enchilada. We've got something for everyone.

HDI’s Mexican renters policy has three easy to understand policy sections:

  • My Things: Covers 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 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.

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.

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).

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
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.

Renters Liability
Covers fire and explosion damages to the property. 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?

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.


View HDI Seguros' En Mi Casa Terms and Conditions

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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...

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