Property Insurance in Mexico for Expats
Clear, reliable property insurance built for life in Mexico
Property Insurance in Mexico
Protect your home, condo, or investment property with trusted coverage designed for life in Mexico
Owning property in Mexico comes with unique opportunities – and unique risks. From severe weather (such as hurricanes) and natural disasters to liability exposure and unexpected damage, having the right property insurance is essential to protect both your investment and your peace of mind
At Guardian Insurance MX, we partner with A+ rated insurance carriers to help homeowners, condo owners, and investors secure reliable and transparent coverage tailored to their specific property and lifestyle needs.
Get personalized protection
Get expert guidance
Get covered with confidence
Insurance is available for
Properties for personal use
Properties for commercial use
Mixed use (both personal & commercial)
Single-family homes, condos, and standalone residences
What does our Property Insurance cover?
Your policy can be customized to include the coverage and protection that matters the most to you:
Third-Party Liability
Protection if you are responsible for injury or damage to others
Structure & Contents (or Contents only)
Coverage for your home structure and contents
Hurricane / Severe Weather
Protection against hurricane and severe weather-related events
Earthquake / Volcanic Eruptions
Coverage for damage caused by earthquakes or volcanic activity
Fire/Lightning/Explosion
Protection against fire, lightning, explosion, and more
Outdoor constructions
Coverage for fences, pools, terraces, and other exterior structures
Electrical Damage & Power Surge Coverage
Protection for appliances damaged by power surges
Extra Expenses
Covers temporary living costs if your home becomes uninhabitable
And more additional coverages
Mexico Property Protection Basics
Understanding how homeowners' insurance works to protect you, your tenants, and third parties against financial losses.
Highly Affordable
Peace of mind is cost-effective in Mexico, typically costing less than 1% of your property's insured value annualy.
Maximum Flexibility
Customize your policy to fit your specific needs: protect both structure and contents, or focus solely on your interior contents.
Essential Protection
Coastal and high-risk areas face increased exposure to hurricanes and severe weather, making proper coverage absolutely essential.
Trusted by Expats and Homeowners
Just hundreds of satisfied clients who have secured their Mexican properties with us
“Getting insurance for our condo in Puerto Vallarta was a nightmare until we found Guardian Insurance MX. The bilingual support made everything crystal clear.”
James D.
Puerto Vallarta, Condo Owner
“I was worried about storm coverage for my rental property in Tulum. They explained the hydro-meteorological risks perfectly and got me covered fast.”
Sarah M.
Tulum, Homeowner
“Professional, transparent, and English-speaking. It’s exactly what expats need. The claims process explanation gave me real peace of mind.”
Robert T.
San Miguel, Homeowner
Frequently Asked Questions
How is the insured value of my property determined?
The insured value is based on reconstruction cost, not market value. This ensures your home can be rebuilt properly after a covered loss.
Can I purchase hurricane coverage if there is an active storm or hurricane threat?
No. Once there is an active hurricane threat, tropical storm warning, or any declared hydrometeorological event affecting your area, new hurricane coverage cannot be purchased or added to an existing or new policy.
Coverage can only be contracted after the threat has fully passed. For this reason, we strongly recommend securing hurricane coverage from the moment your policy is issued, rather than waiting until a storm is approaching.
How do deductibles and co-payments work in Mexico?
Deductibles and coinsurance vary depending on coverage type and location. Coastal and high-risk areas may have percentage-based deductibles.
In some cases, deductibles and coinsurance may also vary depending on the insurance carrier you choose.
What coverages are typically standard in Mexico?
Most policies include fire, lightning & explosion coverage, as well as hurricane/severe weather, earthquake, and basic liability, with optional enhancements available
What optional coverages can I add?
High-value items (jewelry, artwork, etc.), betterments and improvements, outdoor constructions, extended liability, and additional endorsements can be added based on your needs.
Can I insure my property in Mexican Pesos or US Dollars?
Yes. Property insurance in Mexico can be insured in either Mexican Pesos (MXN) or US Dollars (USD).
Most Expat property owners choose to insure their property in US Dollars, as it helps protect against currency depreciation and provides greater long-term stability in relation to the value of their investment
Get your personalized Property Insurance quote
Whether you live full-time in Mexico or own property as an investment, we’ll help you find the right coverage — clearly explained, properly structured, and backed by reputable insurers.
Protect your property. Protect your investment. Protect your peace of mind.