Mexico Home Insurance

In Mexico, Novamar offers coverages to make you feel at home

Novamar’s Homeowners Policies are created to give you peace of mind and ensure your property in Mexico is well protected. With comprehensive coverage against natural disasters and unexpected events beyond your control, you can rest assured that your investment and lifestyle are safeguarded. Choose Novamar and experience the confidence of knowing you’re covered when it matters most.

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Novamar MX Homeowner Programs

An orange star The Novamar Advantage

A fully-staffed office in Mexico, fluent in English and Spanish, is available to assist you.

An orange star Top-rated Underwriters

Novamar has secured exclusive agreements for homeowner’s policies with strategic partners such as AIG and GMX, ensuring you receive wider coverage.

Higher payout coverages icon Higher Payout Coverages

Mexico’s coastlines are known for natural beauty, and sometimes, natural disaster. Novamar has tailored policies specifically to protect properties in these regions.

Comprehensive Protection icon Comprehensive Protection

Get protection for your friends, visitors and guests.

Claims assistance icon Novamar’s Claims Assistance

Our experienced bilingual in-house claims team is ready to assist you and help in the communication between you, your insurance company, and the adjuster assigned to your case during the claim process

Building and contents covered icon Building and Contents Covered

Insure the property structures and your personal belongings at amounts you determine.

Except for earthquake and hurricane claims, your policy includes zero deductibles—saving money and hassle. No Deductibles on Most Claims

Adjuster assistance in 24 hours or less. Loss payment in 72 hours for claims up to US$2,000. Down payment for 50% of the claim in 72 hours.

A balance scale International Lawsuit Protection

General Liability coverage can include lawsuits originating from abroad. Make sure to request this coverage if you want to protect yourself for legal action abroad. This coverage ensures you have access to specialized attorneys that will defend your best interests.

Legal assistance icon Legal Cost and Expenses

Bilingual legal assistance, including associated costs, is available.

No image available Rent your property with confidence

Novamar offers the specific rental coverage required by insurance companies, protecting both your property and any damages caused by renters

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home > Homeowners Insurance

With offices in the US and in Mexico, Novamar is always at your service.

Our Mexico office is fluent in English and Spanish, assuring a familiar voice when you need it most.

Top-Rated Underwriters

POLICY BENEFITS

Building damage and Contents replacement
Coverages and Sum Insured selected by the insured:
  • Hydro meteorological coverage included.
  • Hurricane coverage for beachfront locations included.
  • Earthquake and volcanic eruption coverage included.
  • Solar panels included in the building section.
  • Outdoor construction and underground equipment included.
  • Debris removal included.
  • Golf carts.
  • Loss of rents included.
  • An inflation endorsement designed to protect against rising costs, provided under the general terms and conditions of Novamar's Hogar Flex policy.
Liability
  • Family liability in and out of the House.
  • Landlord liability.
  • Tenants’ liability.
  • Domestic employees’ medical expenses included.
  • Legal defense expenses included.
Robbery
  • Household goods, Jewelry, art, and difficult-to-replace objects (Coverage with specified sub-limits per item).
  • Robbery outside of the house.
Glass Breakage
  • Glass breakage, inside and outside - all risk coverage.
Electronic & appliances
  • TVs, computers, refrigerators, dishwashers, microwaves, electric ovens, washers, dryers, sound equipment, etc.
Machinery Breakdown
  • Pumps, engines, pool equipment, transformers, elevators, heaters, boilers, etc.
Premium Coverage & Benefits
  • Locksmith.
  • Plumber.
  • Electrician.
  • Glass breakage.
  • Funeral Expenses for Policy Holder.
  • Additional living expenses due to a catastrophic event.

Content replacement

Sum insured selected by the insured:
  • Hydro-meteorological coverage included.
  • Hurricane coverage for beach front locations included.
  • Earthquake and volcanic eruption coverage included.
  • Additional new acquisitions for contents included.
  • Golf carts covered as a household good including third-party liability coverage
  • Inflation endorsement to protect against racing cost. It is granted under the general conditions of the product Hogar Flex.

Liability coverage

  • Family liability in and out of the House.
  • Landlord liability.
  • Tenants liability.
  • Sports liability as an amateur.
  • Bicycles, roller blades, kayaks and motor-less vehicles liability.
  • Pet liability.
  • Domestic employees medical expenses included.
  • Legal defense expenses included.
  • Automatic third property damage payment without legal process up to US$200. It is granted under the general conditions of the product Hogar Flex.
Robbery coverage
  • Household goods, Jewelry, art, and difficult-to-replace objects (Coverage with specified sub-limits per item).
  • Robbery outside of the house.
  • Money and securities covered in and out of the house.
Glass Breakage
  • Glass breakage, inside and outside - all risk coverage.
Electronics & Appliances
  • TVs, computers, refrigerators, dishwashers, microwaves, electric ovens, washers, dryers, sound equipment, etc.
Machinery Breakdown
  • Pumps, engines, pool equipment, transformers, elevators, heaters, boilers, etc.
Premium Coverage & Benefits
  • Car keys or house keys, lost or damaged: replacement expenses.
  • Locksmith, plumber, electrical, glass breakage assistance services
  • Repair expenses to stop further damages.
  • Removal expenses to stop further damages.
  • Additional repair expenses required by authorities.
  • Policyholder life insurance due to an accident.
  • Dental services.
  • Optical services
  • Pet medical assistance.
  • Ambulance services.
  • Additional living expenses due to a catastrophic event.
  • Loss of official documents; replacement expenses.
  • Fraudulent charges to credit or debit card.
  • Expenses for loss of identity.
Disclaimer

Coverage descriptions are provided for general informational purposes only. Actual coverage is subject to the terms, conditions, limitations, and exclusions of the applicable insurance policy.

Homeowners Insurance FAQ’s

The owners of the property mentioned on the deed, or when renting the property the people who permanently inhabit the house as well as its assets.
Through photographs, videos, invoice of purchase or tickets.
The most important documents that the adjuster will require are: the technical report informing the cause and origin of the damage; this is normally provided by the same contractor that will do the reconstruction or repair, and the repair estimate. Also, it is very important that you take pictures and video if possible, after the loss. If you need to move items to protect your properties, do it. Take pictures before and after moving the items.
If you rent your property and you have a damage by Fire, Hurricane or Earthquake, the loss of rent can be covered as long as you have the coverage contracted and the damages meet the deductible of the building section that was affected. To file the claim, you must submit a copy of the lease agreement and the invoices of the previous or future month’s paid rent.
When you have damages in your house,due to Fire, Hurricane or Earthquake, and the damages meet the deductible of the building section that was affected, for your safety you may need to leave your property for a certain time while is being repaired. The Extra Expenses coverage will serve to pay for a temporary home or hotel. This coverage has a deductible-normally of 5 to 7 days.
We suggest that you make a detailed inventory to be indemnified in case of a claim. Be sure to include the replacement value of each item. You must provide proof of preexistence of the item prior to claiming the loss to the insurance company. The invoices or "facturas" are one option. As it is unlikely for anyone to have kept their facturas we strongly recommend you make a video and take pictures of your contents along with the latest newspaper that shows the day's date. Send the file to your agent and keep one for yourself. The total sum of your personal property is the Sum Insured for your Contents section of the policy.
Yes, if you live in an earthquake zone, such as the Baja peninsula, pacific coast from Nayarit to Chiapas, the whole state of Michoacán, Guerrero and Oaxaca, and Mexico City and anyone who lives near a volcano. Check the information in the previous question and call your agent to confirm.
For cost purposes of this coverage the Mexican Republic is split into the following zones: Alfa 1 Península de Yucatán (Yucatán, Quintana Roo and Campeche - 2% deductible), Alfa 1 Pacífico Sur (Baja California Sur, Sinaloa, Nayarit, Jalisco, Colima, Michoacán, Guerrero, Oaxaca and Chiapas - 2% deductible), Alfa 1 Golfo de México (Tamaulipas, Veracruz and Tabasco - 2% deductible), Alfa 1 Mainland of Mexico (Nuevo León, San Luís Potosí and Hidalgo - 2% deductible), Alfa 2 (Mainland states areas away from water - 1% deductible), Alfa 3 (Mainland states areas further to the water - 1% deductible). Normally the insurance companies apply 10% Coinsurance. Outdoor Construction has a deductible of 15% and Coinsurance of 20%.
This coverage was created in 2002 by the Mexican authorities after a deep analysis of the catastrophic damages caused by water, wind, earthquakes and volcanic eruptions. Coverage includes: Mud/Avalanches (mudslide caused by floods or rain), Hail (frozen precipitation in ice grain form), Frost (damage from unexpected reduction of temperature to freezing point), Hurricane (wind speed of 118 km/h or greater), Flood (accidental temporary covering of ground by water), Flood by Rain (accidental temporary covering by rainwater from extraordinary rain), Swell (sea level elevation due to meteorological disturbance), Ocean Surge (violent agitation of sea waters from underwater shock), Snow Fall (crystalized precipitation), and Stormy Winds (winds of at least 50 kilometers per hour).
Lack of maintenance, Gradual deterioration, Negligence, Fraud, Profit or betterments after the loss, and Expenses not related to the damage.
Neither the insurance company or your insurance agent legally authorized to establish the values of your property in Mexico. It is the insured's responsibility to provide this information.
No, these vehicles must be insured with a specific Mexican motorhome auto policy.
No, the same standard homeowner’s policy is adapted for renter’s needs with the exception that the coverage for Building section will not be necessary as you’re not the owner of the property.
Just one policy that covers stand-alone houses, renters, condominiums and townhouses.
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