Main Content

What are your options for property insurance in Mexico?

home insurance Mexico


Mexico is an attractive destination for expats due to its rich cultural heritage, beautiful beaches, and affordable cost of living. However, as with any other country, owning or renting property in Mexico comes with risks. This is where property insurance can help protect expats from financial loss due to damage, theft, or other unforeseen events. Here are some of the different types of property insurance offerings for expats in Mexico.

Property Title Insurance:

Buying a property in Mexico can be a complex process, and there are often risks associated with purchasing real estate. One of the biggest risks is the potential for title defects or claims against the property. These defects can arise due to a variety of reasons, such as errors in the public record or fraudulent transactions.

Property title insurance protects the buyer of a property against any defects or claims on the title. This type of insurance covers the legal expenses associated with defending a title and the cost of settling any claims. In Mexico, title insurance is commonly purchased by foreigners to protect their investment.

Title insurance provides a safety net for buyers in case a title defect arises, which can be costly and time-consuming to resolve. By purchasing title insurance, expats can ensure that their investment in a property is protected, even if there are unforeseen issues with the title.


Renters Insurance:

Expats who are renting a property in Mexico may also benefit from renters insurance. Renters insurance is designed to protect the belongings of tenants in case of theft, fire, or other unexpected events. This type of insurance covers the cost of replacing or repairing personal items such as electronics, furniture, and clothing. Renters insurance can also provide liability coverage in case a tenant causes damage to the property or someone is injured while on the premises.

While renters insurance is not required by law in Mexico, it is still a good idea for expats to consider purchasing it. Renters insurance can provide peace of mind and financial protection, especially if the tenant has expensive personal items or valuables.


Content Insurance:

Content insurance is similar to renters insurance, but it is designed for homeowners. This type of insurance covers the contents of a home, including furniture, appliances, and personal belongings. Content insurance can also provide liability coverage in case someone is injured on the property.

For expats who own a property in Mexico, content insurance can help protect their assets and provide financial security. This type of insurance can be especially important for expats who have invested a lot of money in their home, and who may have expensive personal items or valuables.


In summary, expats in Mexico have several options when it comes to property insurance. Property title insurance, renters insurance, and content insurance are just a few of the types of insurance that are available. It is important for expats to carefully consider their insurance needs and work with a reputable insurance provider to tailor coverage to their individual needs. With the right insurance coverage, expats can enjoy their time in Mexico with peace of mind.

Here is a list of local companies you can trust for your insurance needs:

Cathie Smith LoCicero, Your personal insurance concierge

Licensed International Insurance Specialist

Novamar Mexico Los Cabos BCS  Agent-Representative

Mexico Homeowners & Condo Insurance Master and Individual Policies 

Mexico Auto Truck, RV, Motorcycle, ATV, UTV, and Boat Insurance

Worldwide Travel Medical Insurance Travel MedEvac Insurance

Baja Bound Mexican Insurance
Auto, Watercraft, Home, License, Motorcycle, ATV / Buggy, Camper Van Insurance
20 years in business


West Global Insurance Services
Building (Interior Walls, Alterations & Fixtures) (Building/Dwelling Must be Included)

Other Structures Coverage
Mexico Personal Property Coverage

Additional Living Coverage


Skip to content