Home insurance across Mexico
Protect your home and everything in it against fire, hurricane, flood, theft and damage to others.
What it usually covers
- Fire and explosion
- Hurricane, hail and flood
- Theft of contents
- Family liability
- Glass breakage and electronic equipment
Coverage, sums insured and exclusions vary by insurer and plan. We show you the terms of each option before you buy.
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13insurers offer this coverage. We compare their options for you.
Home insuranceWhat you need to get a quote and buy
- Full address and postal code of the home.
- House or apartment, number of floors and whether you own or rent.
- Wall and roof materials, and distance to the sea, rivers or lakes.
- Value of the building and of your belongings.
- Official ID, proof of address and RFC.
This is a general guide: each insurer may ask for more details or documents. Below, on the policies that publish them, you will see what their insurer asks for.
Products from each insurer
20 products from 13 insurers, with their official description and a link to each company's page.
We translated each product's summary, coverages and requirements. Product names stay as each insurer publishes them, and the insurer's policy terms in Spanish are what apply.
Recommended
Hogar Integral
Works on an all-risk basis, paying up to the sum insured. It applies to houses and apartments, whether you are the owner, landlord or tenant.
- All-risk cover for houses and apartments, whether you are the owner, landlord or tenant, up to the sum insured.
- Sudden and unforeseen physical damage to the building, renovations, appliances, food and drinks.
- Devices inside and outside the home: mobile phones, tablets, computers, cameras, consoles and home-office equipment.
- Pets: financial support if your dog or cat has an accident or illness.
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- Family liability for damage that you, your family, domestic workers or your pets cause to others, inside and outside the home.
- Add-ons: earthquake and volcanic eruption, and weather events.
- Ayuda Express Huracán: MX$20,000 to MX$120,000 paid to your account within 72 hours, with no deductible and no need to report damage (2026 season).
- Free assistance: home technical, medical, funeral, legal, nutrition and psychology, and for pets.
What they ask for to buy it
- Location of the home, whether you are the owner, landlord or tenant, and the sums insured you want for the building and contents.
- Buy through your AXA agent or get a quote online.
- Ayuda Express Huracán: applies in coastal states less than 100 km from the coast; you need your policy, the location, ID and a CLABE account for the payment.
Recommended
Hogar Total
Protects your home, your belongings and the liability of the people who live there, including your pets, if they cause damage to third parties. For an owned or rented home, or one on short-term rental platforms.
- Fire, natural disasters (earthquake, hurricane, flood) and burglary.
- Building, glass and common areas in condominiums.
- Your belongings inside and outside the home, cash and outdoor property such as fences, pools, air conditioners or solar panels.
- Electronic equipment and appliances, and refrigerated food that spoils because of equipment failure.
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- Mobile contents with worldwide cover: laptops, tablets, cameras, bicycles and suitcases (not mobile phones).
- If you cannot live in your home: rent, moving and meals, debris removal and loss of rent.
- Liability of the household's residents, domestic employees and as a tenant, with defense costs.
- The building is compensated at market value, with no underinsurance penalty.
- Add-ons: jewelry and sports equipment with worldwide cover, works of art, Robo +10%, liability as a short-term rental host, Tranquilidad arrendador and accidents of residents.
- Home assistance (plumbing, locksmith, electrical), legal, travel, pet and roadside assistance.
What they ask for to buy it
- Minimum details the insurer needs to quote the risk.
- Subject to underwriting and SURA's acceptance policies.
Recommended
Seguro de Hogar Zurich
Zurich home insurance with options for owners, for people who rent out their home and for tenants, from MX$3 a day.
- Owner: building and contents, outdoor property, theft, liability, glass and electronics.
- Owner who rents out: building, fixed outdoor property, glass, property liability and loss of rent.
- Tenant: contents, family and tenant's liability, and electronic equipment.
- Weather events: hurricane, flood, hail and strong winds; earthquake as contracted.
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- Plumbing, locksmith, electrical, health and pet assistance.
What they ask for to buy it
- Location of the home, whether you are the owner, landlord or tenant, and the sums insured you want for the building and contents.
- Buy through your Zurich agent.
Recommended
HDI en mi Casa
HDI home insurance for owners or tenants, with a package with no deductibles on most coverages and home emergency assistance.
- Policy for owners or tenants: protects your house or apartment and your belongings.
- Family liability, including on vacation abroad, and liability of the person who helps you with housework.
- Reimbursement of medical expenses for accidents at home up to MX$100,000, with a MX$1,000 deductible per event.
- Emergency plumbing, locksmith, electrical and glazier services, up to 2 events per assistance per year.
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- Veterinary assistance by reimbursement if your dog or cat has an accident at home.
- You get MX$2,000 to replace what was in your refrigerator if it is damaged.
- No deductibles, except for glass, personal accidents, weather events, earthquake and volcanic eruption.
- Optional modules: A Donde Vaya (your belongings away from home) and Me Siento Bien (medical emergencies for your family).
What they ask for to buy it
- Address of the property.
- Construction type of the house or apartment.
Casa Afirme + PLUS
Simple, low-cost Afirme home insurance, in packages with a sum insured of MX$1,500,000 to MX$7,000,000 for the building.
- Fire and additional perils for the building, from MX$1,500,000 to MX$7,000,000 depending on the package.
- Contents, weather events and glass breakage.
- Theft of contents and damage to electronics and appliances.
- Liability with legal costs, and medical expenses or death of domestic workers.
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- Up to MX$5,000 for unexpected pet expenses.
- Emergency assistance with no limit on events, up to MX$1,200 each.
- Annual, semi-annual, quarterly or monthly payment.
What they ask for to buy it
- Easy to buy, with minimal requirements.
- Location of the home, whether you are the owner, landlord or tenant, and the sums insured you want for the building and contents.
Allianz Residencial
Allianz home insurance in 5 packages for owners, tenants or landlords, for a house, apartment or weekend home.
- Building and contents against fire, lightning and explosion, plus other perils not excluded.
- Debris removal, additional living expenses if you cannot live in your home and loss of rent for landlords.
- Glass; theft of household contents, hard-to-replace items, jewelry and personal items away from home.
- Cash inside the home and robbery when withdrawing at an ATM or bank counter.
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- Fixed and mobile electronic equipment; refrigerated food and medicine.
- Family liability and liability for domestic workers.
- Optional: weather events and earthquake; automatic 5% increase of the sum insured.
- Includes trip cancellation, lost luggage, salary payment after a loss, pets and 24/7 assistance.
What they ask for to buy it
- Location of the home, whether you are the owner, landlord or tenant, and the sums insured you want for the building and contents.
- Choose one of the 5 packages depending on whether you are the owner, landlord or tenant.
Allianz Residencial Premier
Allianz insurance for high-value homes, with a sum insured of up to 80 million pesos and up to 5 properties in a single policy.
- Sum insured of up to MX$80 million and liability of up to MX$10 million.
- Up to 5 properties in one policy: the main one as owner or tenant, and additional ones also as landlord.
- Fire, other perils, debris removal, glass and refrigerated goods.
- Theft of household contents, hard-to-replace items, jewelry and personal items in transit.
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- Cash and valuables inside and outside the home; fixed and portable electronic equipment.
- Weather events included and earthquake optional.
- 9 months of additional living expenses if you cannot live in your home.
- Assistance: home doctor, locksmith, glass, metalwork, plumbing and veterinary.
What they ask for to buy it
- Details of each property: location, type of construction and sums insured.
- Invoices for the high-value items you declare, when the policy is issued.
Protección Hogar Banorte
Seguros Banorte home insurance for houses and apartments, sold through agents and brokers, with property damage, theft and liability sections.
- Physical damage to the property and contents from fire, lightning, explosion and other perils.
- Weather events, earthquake and volcanic eruption.
- Debris removal and additional living expenses if you cannot live in your home.
- Private and family liability.
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- Glass breakage, burglary or robbery, and cash and valuables.
- Household machinery and equipment, replaced at replacement value if up to 5 years old.
- Art, jewelry and hard-to-replace items up to MX$100,000 per piece without prior appraisal; personal items inside and outside the home.
- Home assistance.
What they ask for to buy it
- Location of the home, whether you are the owner, landlord or tenant, and the sums insured you want for the building and contents.
- Complete the application with your agent or broker.
- Renewal is not automatic: it must be requested in writing.
Hogar Seguro Chubb
Chubb home insurance for owners, tenants or landlords in Básico, Óptimo and Premium packages, from MX$125 a month.
- Básico: fire and other perils for the building and contents, additional expenses and debris removal.
- Básico: glass, theft of contents, pets and family and domestic liability.
- Óptimo and Premium: cash inside and outside the home, personal items and fixed and mobile electronic equipment (excluding mobile phones).
- Compensation at replacement value, with no surcharge for paying in installments.
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- Emergency assistance (plumbing, electrical, locksmith), a specialist technician for maintenance, tech support and pet assistance.
What they ask for to buy it
- Location of the home and whether you are the owner, landlord or tenant.
- You don't need to declare the value of your belongings when you buy.
- Purchased through a Chubb agent.
GS + Hogar + Protección: Arrendador
GS + Hogar + Protección: Arrendatario
GS + Hogar + Protección: Propietario
Hogar GMX
GMX comprehensive policy for houses and apartments that protects the building, your contents and your liability, whether you are the owner, tenant or landlord.
- Fire, weather events, earthquake and volcanic eruption.
- Debris removal and additional living expenses.
- Theft of contents, cash at home and robbery outside the home.
- Glass, electronic equipment and appliances, and clothing at dry cleaners or tailors.
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- Private and family liability, including for your dogs and cats, and in excess of your private car.
- Legal assistance, help with funeral costs and emergency plumbing, electrical and locksmith services.
What they ask for to buy it
- Valid official ID: INE, passport, professional license, driver's license or FM2/FM3 if you are a foreigner; for a company, articles of incorporation.
- Phone, gas or water bill as proof of address, no more than 3 months old.
- Tax status certificate (constancia de situación fiscal) and insurance application.
Propiedades en Renta Temporal
GMX liability insurance for owners who rent out their house, apartment or cabin through digital lodging platforms.
- Legal defense and compensation for damage to guests and third parties on the property.
- Injury, illness or death of third parties, with the option to cover food poisoning.
- Liability of your employees while they work on the property.
- Can be extended to claims by foreign guests under the laws of their country.
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- Applies to properties at the beach, in the countryside, in ecotourism areas or in the city.
What they ask for to buy it
- Valid official ID: INE, passport, professional license, driver's license or FM2/FM3 if you are a foreigner; for a company, articles of incorporation.
- Phone, gas or water bill as proof of address, no more than 3 months old.
- Tax status certificate (constancia de situación fiscal) and insurance application.
Seguro de Hogar GNP
Home insurance that protects you and your loved ones against the main risks a home is exposed to.
- Protect your home and everything in it with insurance for your house or apartment, whether you are the owner, tenant or landlord.
- A realistic and reliable valuation proposal for the property.
- Cover for the property, whether a house, apartment or horizontal condominium, up to MX$30 million including the foundations.
- Weather-event cover anywhere in Mexico, with no zone restrictions.
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- Discounts for security measures.
- All-risk fire cover for building and contents: in case of fire, lightning or explosion.
- Liability: damage to third parties caused by any family member or domestic employee.
- Debris removal: if the home becomes uninhabitable, support for rebuilding with removal of fragile structures, demolition, cleaning and hauling of debris.
- Glass: payment for replacing and installing broken glass.
- Theft: household contents covers goods inside the home; items in transit covers goods outside the home; works of art covers theft of high-value objects; jewelry covers pieces worth over MX$14,000.
What they ask for to buy it
- Buy through a professional insurance advisor.
- Location of the home, whether you are the owner, landlord or tenant, and the sums insured you want for the building and contents.
- Acceptance subject to GNP's policies.
HDI Renters
HDI insurance for homes rented short-term through digital platforms: it protects your home, your belongings and your guests.
- Building against fire, explosion, vandalism and falling trees; debris removal and additional living expenses.
- Your contents and your guests' luggage against fire and burglary, even if the guest is responsible.
- Liability as owner if your guest has an accident, and your guests' liability to third parties.
- Family and employer's liability for the person who helps you at home.
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- Appliances, MX$2,000 for what was in the refrigerator, and glass.
- Optional: weather events and earthquake.
- No deductible on most covers; plumbing, locksmith, electrical and glazier assistance.
What they ask for to buy it
- Be the owner of the property.
- Address of the property and type of construction.
- Covers and sums insured.
ProteGen Casa
Flexible HDI home insurance that you build: you choose at least one fire coverage, one liability coverage and one miscellaneous coverage.
- Fire cover for the building and contents, including vandalism and falling trees.
- Consequential losses: debris removal, moving, hotel or rent, and storage if you cannot live in your home.
- Family liability, liability for your domestic staff and for damage to the house if you rent.
- Miscellaneous: glass, burglary and robbery (including cash) and appliances and electronic equipment.
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- Optional: weather events and earthquake.
- Also insures your home's sustainable technologies.
- Plumbing, locksmith, electrical and glazier assistance, 2 events a year.
What they ask for to buy it
- Address of the property and type of construction.
- Covers and sums insured you want to buy.
Seguro de Hogar Bien Seguro para tu casa
Protects your home's structure and your belongings against direct physical damage.
- Direct physical damage: we protect your home's structure and your belongings against direct physical damage.
- Debris removal: covers the costs needed to remove debris from the damaged property.
- Additional living expenses: covers hotel, house rent, moving, storage of household contents and maintenance fees for 6 months.
- Loss of rent: for a rented house, covers for 6 months the rent the tenant stops paying because they had to leave after a fire or explosion.
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- Glass: covers accidental breakage of glass 4 mm thick or more, including decorated glass and frames.
- Theft: covers belongings stolen inside the home or through physical or moral robbery of the family, plus damage to the property caused by it.
- Appliances: household appliances and electronic equipment are covered.
- Cash: covers cash stolen inside the property or in a violent robbery in transit of you, your spouse and children living in the home.
- Personal items: if you are robbed or lose consciousness on a public road, your personal items and BICYCLES are protected, as well as their theft in a robbery in transit.
- Damage: damage to you, your family or third parties, plus any service you may need because of an incident at home.
What they ask for to buy it
- Name, RFC (tax ID) and full address of the home.
- Type of home: house, house in a horizontal condominium, apartment or weekend house.
- Whether it is more than 500 m from the sea or more than 250 m from a river, lake, lagoon or dam.
- Material of walls and roofs, and number of floors.
- Estimated value of the building and value of your contents.
- Unoccupied houses, houses with a business inside, wooden or sheet-metal houses and houses in high-risk areas are not accepted.
- Jewelry and valuables over MX$450,000: list of items with appraisals or invoices.
Seguro Hogar Bien Seguro a tu medida
Protects your home's structure and your belongings against direct physical damage.
- Direct physical damage: we protect your home's structure and your belongings against direct physical damage.
- Debris removal: covers the costs needed to remove debris from the damaged property.
- Additional living expenses: covers hotel, house rent, moving, storage of household contents and maintenance fees for 6 months.
- Glass: covers accidental breakage of glass 4 mm thick or more, including decorated glass and frames.
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- Legal assistance: telephone advice from a specialized lawyer.
- Protección online 365: telephone support from IT specialists 24 hours a day, 365 days a year.
- Appliances: household appliances and electronic equipment are covered.
- Theft: covers belongings stolen inside the home or through physical or moral robbery of the family, plus damage to the property caused by it.
- Cash: covers cash stolen inside the property or in a violent robbery in transit of you, your spouse and children living in the home.
- Personal items: covers personal items stolen inside the property or in a violent robbery in transit of you, your spouse and children living in the home.
What they ask for to buy it
- Name, RFC (tax ID) and full address of the home.
- Type of home: house, house in a horizontal condominium, apartment or weekend house.
- Whether it is more than 500 m from the sea or more than 250 m from a river, lake, lagoon or dam.
- Material of walls and roofs, and number of floors.
- Estimated value of the building and value of your contents.
- Unoccupied houses, houses with a business inside, wooden or sheet-metal houses and houses in high-risk areas are not accepted.
Mi Kasa y Practikasa B×+
Ve por Más home insurance: Mi Kasa, with coverages to choose from, and Practikasa, in packages that are very easy to buy.
- Physical damage from fire or lightning to the building and contents, with extended cover (explosion, pipes, falling trees).
- Earthquake and weather events; pools, courts or palapas by agreement.
- Debris removal and additional living expenses for up to 3 months.
- Glass, burglary at home, and cash and valuables.
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- Electronic equipment and appliances, boilers and machinery breakdown such as water pumps.
- Liability for you, your family, domestic employees and pets.
- Practikasa B×+: ready-made packages for owners, tenants or landlords.
What they ask for to buy it
- For Practikasa: postal code, sum insured and whether you are the owner, tenant or landlord.
- Buy through your agent.
Frequently asked questions
Home insurance: how much does it cost?
It depends on what you want to protect, the sum insured, the deductible and the insurer. We get quotes from several companies so you can compare price and coverage.
Which insurers offer home insurance across Mexico?
At 1SEGUROS we quote home insurance with AXA, SURA, Zurich, HDI, Afirme, Allianz, Banorte, Chubb, General de Seguros, GMX, GNP, MAPFRE and Ve por Más.
How do I sign up?
Message us on WhatsApp at +52 999 316 7145 from anywhere in Mexico, or visit our office in Colonia Yucatán, Mérida. We ask for the information we need, show you options and issue your policy.
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Home insurance across Mexico
Protect your home and everything in it against fire, hurricane, flood, theft and damage to others.