Homeowners, Flood & Earthquake Insurance


 
 
Coverage You Can Count On
  • Homeowners
  • Renters
  • Vacant Properties
  • Condos
  • Course of Construction
  • Umbrellas
  • Earthquake
  • Flood
  • All Above Available in Mexico
 
 
 

Covering Living Expenses

In the event that your residence is damaged by a covered peril and you have to seek shelter elsewhere, you can rest easy knowing that we will pay for any necessary increase in your living expenses. This coverage includes such expenses as hotel, food and transportation (subject to the policy limits).

Liability Protection

Accidents can happen and if they occur on or off your premises, the legal and medical expenses can wipe out a lifetime of savings. The renters' policy provides personal liability coverage per occurrence and medical coverage.

Other Protection Options

Additional Benefits

The basic policy includes limited coverage for certain personal items such as home computers, jewelry, firearms, silverware and also business property; although in some cases higher limits may be available for a modest additional premium. Please check with your agent for details.
Did you know?

Identify Theft Protection

Protect yourself against what is fast becoming the "crime of the century". You must have a central alarm.

Total Value Protection

This means if there is an insured loss and you wish to replace a damaged or stolen item, you will get reimbursed the total cost of that item if you were to buy it today - less your deductible. Not to worry with this extra protection - there is no deduction for depreciation due to age or condition of the item. This valuable option is available for a small additional premium. Please ask your agent for details.

Protect More, Save More!

Ask about our Home and Auto combined Policy discount which can save you up to 20%.
 

Renters Insurance

Make sure your personal possessions are covered

You've worked hard to create a comfortable environment, so why put your possessions at risk by not having renters insurance?

With renters protection your valuables can be repaired or replaced in the event that they are stolen, damaged or destroyed by a covered loss. It's a simple, affordable way to have peace of mind and financial back-up if life hands you an unexpected heartache.

Condominium Insurance

Condominium Homeowners Protection Plan
Being a condominium owner means that you have unique insurance needs. We provide you with a policy that protects your personal belongings like furniture, appliances and clothing.
Count on our Condo Protection Plan to Cover:
  • Your personal possessions - such as furnishings, clothing and appliances, subject to your policy and coverage limits.
  • Liability Protection - If someone visits your home and is injured as a result of your negligence, there is a very real possibility that you could be sued. Having this protection gives you peace-of-mind if a claim is filed against you, subject to your policy limits.
  • Medical - Should an accident occur in your condo that requires medical attention, medical coverage is provided up to your policy limits.
  • Loss of Use - If you have to leave your residence due to a covered loss we will take care of the extra costs over and above your routine living expenses such as lodging and meals up to your policy limits.
  • Additional Property Coverages - The policy includes limited benefits for such items as credit/debit cards, debris removal, fire department services, loss assessment, and more. Please ask your agent for details.
Identity Theft Protection
Protect yourself against what is fast becoming the "crime of the century."
Other Protection Options
Scheduled Personal Property
It's important to individually insure the most valuable of your personal possessions, such as high value audio/video equipment, jewelry, antiques, or furs. Have their present value appraised and then contact your agent and have them added to your policy with an endorsement. This provides the extra coverage if you have a loss.
Total Value Protection
This means if there is an insured loss, and you wish to replace a damaged or stolen item, you will get reimbursed the total cost of that item if you were to buy it today-less your deductible. Not to worry with this extra protection-there is no deduction for depreciation due to age or condition of the item. This valuable option is available for a small additional premium. Please ask your agent for details.
Homeowner's Insurance Coverage to Meet Your Needs.
Homeowners' insurance policy provides you with the peace of mind of knowing that one of your most valuable assets is protected in the event of a covered loss.
Life Can Dish Out Large and Small Disasters
Simply put, insurance provides a safety net for you and your family when certain unfortunate events happen like theft, fire or burglary.
Home Replacement
This policy offers the cost of rebuilding or repairing your home after a covered loss up to the limits purchased.
Broad Home Contents Protection
Many insurance policies for personal property are based on an actual cash value. This means that in the event of a loss to your household goods, depreciation will be taken. However, we also have policies that provide replacement cost coverage for your personal possessions. This means if you select the replacement cost optional coverage, no depreciation will be taken on your personal property in the event of a covered loss. Basically, you can receive a replacement of equal value for your damaged item when it is replaced after a loss (less your deductible).
Make Sure You Are Covered
 
  • Theft
 
  • Fire or Lightning
 
  • Personal Liability
 
  • Replacement Costs
 
 
FLOOD INSURANCE
A flood can wash your business and home down the drain.
Whether you're a new business, or well established, floods drive away customers and bring on unplanned expenses that add up in a hurry. It's enough to take you under - and your property insurance may not bail you out.
Business owners and homeowners are often caught by surprise when they find out that their insurance policies may not cover the property damage caused by floods. That means your personal property, computers, your merchandise, and all of your office equipment can be destroyed or swept away with no chance of replacement.

We want to share a little secret: the best way to protect your business or home from flood damage is to purchase flood insurance. Compared to the cost of having to replace all of your equipment, buying flood insurance costs very little. And in case of a disaster, it may pay for itself.

It can happen to you. Even if your business or home isn't near water, you may still be at risk for flooding. Flood damage isn't just caused by water sources such as rivers and oceans - it also comes from heavy rain, hurricanes, or water run-off. And as weather patterns change, so do flooding patterns. Last year, two out of three federally declared disasters were flood related. In addition, 30% of all flood claims came from areas not considered high-risk.*

Flood insurance explained. Most property is in a designated flood zone. However, the extent of danger you may face is rated differently, depending on whether your business is in a high- or moderate-risk zone. Flood insurance provides two types of coverage:
  • Building coverage, which covers structural repairs
  • Contents coverage, which covers your equipment and inventory

Talk to your insurance agent now. There is generally a 30-day waiting period from the time your policy is purchased until the time it goes into effect. The sooner you get covered the better. Floods hit without warning whether you're covered or not - so talk to the flood insurance specialists; National Insurance Company today.
*Statistics from National Flood Insurance Program
 
Important guidelines for after the flood
  • If your business or home has suffered flood damage, call the agent who handles your flood insurance policy. Within 48 hours of the agent's report to the insurance company, an adjuster will be assigned to inspect the property.
  • Prior to entering a building, check for structural damage.
  • If you smell gas, call your utility company immediately.
  • Watch for downed electrical wires.
  • Cover broken windows and holes to prevent further weather damage.
  • Take pictures of the damage to your building and contents.
  • Shovel out mud while it's still moist.
  • Clean metal at once, then wipe with a solvent-soaked cloth.
 
Although nobody is safe from a flood, you can protect yourself from its results.
Floods can wash away plans and dreams. Hard earned gains can be lost overnight.

Make sure your corner of the world is safe.
When it came to choosing a place to live, there is no doubt that you considered your options carefully before making a decision. Things like the neighborhood, the view, and the amenities were all important. Now that you've made it your home and filled it with treasures and memories, you want to protect it with insurance coverage you can count on. A plan that will not only cover your possessions, but protect you from lawsuits that could threaten your lifestyle.
 

EARTHQUAKE INSURANCE

You never know when the next earthquake will hit.
California has a long history of earthquakes, so protecting your home and possessions is essential. With Earthquake Insurance, you can rest easier knowing that your valuables will be covered.
Earthquake vs. Homeowners
Don't make the mistake of assuming your Homeowners or Condo policy includes earthquake coverage. It doesn't. These policies specifically exclude losses caused by earthquakes, so to adequately protect your home you need to add this valuable coverage.

A Better Deductible
With many earthquake policies you are forced to accept high deductibles. This means if an earthquake damages your home and its contents, you will find yourself covering the bulk of the expenses. You can lower your deductible to as little as 5% (not available in all areas. Please check with your agent).

A Better Option
We offer you the option of a Preferred policy with superior coverage and optional deductibles, or the extra value of an Enhanced policy for the budget-minded. If you have a Condo instead of a free standing home, we have a policy that is just for you. Please discuss the details of each policy and your specific needs with your local agent so that if the ground starts shaking you can have rock solid confidence that your home and valuables will be covered.

What Does Earthquake Insurance Do For You?
When the earth moves it can damage the foundation, crack walls and windows and destroy your prized possessions. With Earthquake Insurance you can replace damaged valuables and repair devastating home damages.

Family Security Assessment
Because your financial status can change over time it is important to make sure your protection keeps pace with your lifestyle. With our help you can make sure you have the right coverage that fits your needs.

So be sure to inform your agent when there are changes in your circumstances, such as purchasing new valuables or furnishings, or remodeling your home.
 
As part of our commitment to your satisfaction and protection, your agent pledges to:
  • Provide reliable insurance protection
  • Offer friendly, knowledgeable service
  • Respond quickly to your needs
  • Work hard in your best interest, now and in the future
 
Earthquake Survival Checklist
  • Be sure to have an emergency kit with extra food, water, first aid, batteries and other essentials
  • Make sure your water heater is secured
  • Familiarize yourself with gas and water shut off valves and install an automatic gas shut off valve.
  • Secure tall furniture to the walls
  • Keep heavy objects and frames away from your bed
  • Make sure you know the safe places to take cover in an earthquake
  • Have an outside family meeting place
  • Have a designated phone number out of area to let family know of your status
  • Keep a flashlight near where you sleep... earthquakes can happen at night.
 
Not Sure About Insurance In Mexico? Relax, We Have It For You!
Here's What You Need To Know About Homeowners Coverage in Mexico.

WELCOME TO MEXIHOME™

THE INSURANCE SOLUTION FOR AMERICANS WITH HOMES IN MEXICO

AN EXCLUSIVE MEXIPASS® PRODUCT, PROVIDING MEXICAN INSURANCE… THE AMERICAN WAYTM

Underwritten by AIG Mexico

MexiPass® Insurance Programs are underwritten by AIG-Mexico, a wholly owned subsidiary of the American International Group (AIG), to fulfill the need for quality insurance protection for Americans in Mexico.

With MexiPass products you will have the peace of mind of getting the best insurance coverage available for Americans in Mexico.

MexiPass offers American Standards of Insurance Coverage… for your Personal Autos, Homes, Boats, Umbrella or even Commercial exposures in Mexico.
... and MexiPass is made available to you, just like your other insurance at home, through the professional advice and services of your trusted Insurance Broker or Agent in the USA, for policies, claims or any other need for insurance services in Mexico!

With MexiPass you will experience Mexican Insurance... The American Way!

For Additional Information Please Contact: Windfall Insurance Services Inc (2335 Roll Drive, #6, San Diego, California 92154 - (619) 661-0505)

The MEXIHOME® Difference

Attempting a "side by side" comparison between MexiHome and any other traditional insurance policy offered for homes in Mexico is a challenging task: The differences are just too many and difficult to list!
The following are just some highlights of why MexiHome is the most suitable solution to protect you as a Home Owner in Mexico:
  • POLICY CONDITIONS: MexiHome reads just like the US HO5 policy, a form that you and your Insurance Advisors can understand and feel very comfortable with.
  • PROPERTY COVERAGES: With MexiHome you get Special (All Risk) coverage, Replacement Cost, TRUE Theft coverage for ALL your personal property, NO "funny exclusions" and Deductibles that are NOT based on "minimum wages"
  • LIABILITY COVERAGE: Under MexiHome, your liability exposures are handled just like they would be under a US policy: Your Insurance Company "will defend you and pay on your behalf" for ANY claim against you in Mexico, even if groundless!
  • CATASTROPHIC COVERAGES: If elected, MexiHome will automatically insure ALL your property exposures for Catastrophic Losses, for the same limits and values insured under the Property and Valuables Objects Sections!
A MexiHome Policy provides you with the proper insurance so you, as an American, shall not have to sacrifice or compromise your standards of protection and settle for inferior coverage for your property and your liabilities as the owner of a home in Mexico.
 
AMERICAN STANDARDS OF INSURANCE COVERAGE
Americans have achieved the highest level of insurance protection in the World. Through many years of evolution, the insurance market in the USA has produced sophisticated insurance products to satisfy the needs of a demanding society of consumers.

When Americans purchase an insurance policy in the USA, they enjoy the peace of mind of a contract with proven and tested forms and conditions that will guarantee the quality protection that they expect for their assets and their liabilities.
TRADITIONAL MEXICAN INSURANCE FORMS
Traditional Mexican Insurance policies are designed to be offered to their domestic market. This has resulted in insurance contracts that, while suitable for the demands of Mexican Nationals, do not offer the sophistication, quality and clarity of coverage and protection that Americans receive in the USA.

So, Americans should not compromise their standards by getting traditional Mexican insurance policies. Americans deserve the level of insurance coverage that is available to them in the USA.
MexiHomePLUS
MexiHome is a breakthrough product within the Mexican Insurance Market. This is a Homeowners Insurance Policy underwritten by AIG Mexico and exclusively designed for the growing number of Americans with homes in Mexico.

MexiHome provides the same standard of protection that is available under the preferred

Homeowners Insurance Policies sold in the USA.

MexiHome looks, reads and feels like an American policy, with coverage that is not available in any other Policy offered for homes in Mexico.

PLUS, MexiHome includes useful Home Services and offers you the option to insure your property and valuables against Earthquakes, Hurricanes, Floods and, Tsunamis under the same policy!
POLICY SECTIONS
I. PROPERTY COVERAGES:
MexiHome covers your property in Mexico under the very broad "Special" or "All Risk" concept used in the USA, which means that all losses will be covered, unless they are specifically listed as excluded under the policy:

A. Dwellings: Covers the Replacement Cost of the main structure of your Home.

PLUS, you may include coverage for other detached dwellings, such as Guest Houses, Caretakers Quarters and even Rental Units.

B. Other Structures: Covers your other detached structures, such as Garages, Pool Rooms, Cabanas, Equipment Rooms, etc., all at their Replacement Cost.

C. Personal Property: Your personal belongings will be covered anywhere in Mexico. Property owned by your guests or employees will also be covered at your residence. All personal property is covered at Replacement Cost.

MexiHome includes automatic coverage for certain valuable property, such as money, securities, jewelry, fine arts, sporting equipment and property used for business purposes, up to Special Limits.

PLUS, you have the option to increase your coverage by listing any of your more valuable property under the Schedule of Valuable Property Section.

D. Loss of Use or Rental Income: You will be covered for your additional living expenses and optionally for the loss of rental income if your home is involved in a covered property loss.

MexiHome also provides automatic coverage under the Property Section for Debris Removal, Reasonable Repairs, Trees, Shrubs and Plants, Property Removed, Credit Card Fraud and even Collapse of the buildings!
II. LIABILITY COVERAGES:
E. Mexican Liability: MexiHome allows you to select limits of liability up to USD $2,000,000 to protect you and your family members for any lawsuits or demands presented against you, anywhere in Mexico. Your legal defense is provided and paid by attorneys selected by the Insurance Company and you will not be subject to any deductibles.

F. Medical Payments to Others: In order to reduce potential lawsuits you will be automatically entitled to spend up to $1,000.- in necessary medical expenses for third parties or for your residence employees, for injuries that may be caused by you, or a family member, or your residence employee, or even your family pet, anywhere in Mexico.
III. CATASTROPHIC COVERAGES:
 
G. Earthquake & Volcanic Eruption

H. Hurricane, Cyclone, Windstorm & Hailstorm

I. Flood

J. Tidal Waves & Tsunamis
 
MexiHome allows you to optionally insure your dwellings, personal property, loss of use and scheduled valuables against losses due to any of the above catastrophic losses.

Coverage is for the Replacement Cost of your property, after the prescribed deductible and your percentage share of every loss; but this important coverage is readily available to protect you against such devastating events!
 
IV. SCHEDULED VALUABLE OBJECTS COVERAGE:
 
K. Fine Jewelry

L. Silverware

M. Art Objects

N. Other Scheduled Objects:
 
Under this section you have the opportunity to include a list of any property of special value and property that exceeds the Special Limits provided under Coverage C. You will have the peace of mind of knowing that all your personal items in Mexico will be covered for their appropriate values.
 
V. HOME SERVICES:
 
O. Plumbing Service Calls

L. Locksmith Service Calls

M. Plate Glass Services

N. Other Home Repair Service Calls
 
MexiHome covers up to $100 - for any the above Home Service calls, up to five times during your policy year.

Just another way to assist you with your home protection needs in Mexico!
 
Important Note
This information is only an overview and is not a complete statement of coverages. For complete details of coverages, conditions, exclusions and limitations, be sure to read the policy, including all endorsements. Should you have additional questions, please consult your agent.