MexiHome PLUS Program — Insurance for U.S. Homeowners in Mexico
The MexiHome PLUS Program from MexiPass International Insurance Services offers a specialized homeowners insurance solution for U.S. residents who own vacation or secondary homes in Mexico. Designed to mirror the comprehensive protection of HO5 forms common in the United States, this program provides agents and brokers with access to a trusted, high-quality coverage option backed by AIG – Mexico.
Ideal Accounts and Appetite
This program is ideal for personal lines clients residing in the U.S. who own private residential properties in Mexico. Whether your client owns a beachfront villa in Baja California, a condo in Puerto Vallarta, or a mountain retreat in San Miguel de Allende, this program can offer the protection they need.
Target accounts include:
- Vacation homes and second residences
- Single-family homes, condos, and villas
- Properties used solely for personal use (non-commercial)
Accounts involving rental income, commercial use, or unique exposures may require further underwriting review.
Coverage Highlights and Advantages
The MexiHome PLUS Program offers broad protection tailored to the unique risks of owning property in Mexico. Coverage compares favorably to U.S. HO5 policies and includes:
- Property Coverage:
- Dwelling, other structures, personal contents, and loss of use
- Liability Coverage:
- Personal liability within Mexico and medical payments
- Catastrophic Perils:
- Earthquake, volcanic eruption, flood, and tidal wave
- Valuable Objects:
- Scheduled items for high-value personal property
- Homeowners Assistance Services:
- Emergency plumbing, locksmith services, and plate glass replacement
This program provides peace of mind to your clients, ensuring they are protected against both everyday risks and natural catastrophes that are more common in certain regions of Mexico.
Underwriting Notes
MexiPass underwrites this program on a non-admitted basis through AIG – Mexico, a member company of AIG. This allows for greater flexibility in customizing terms for unique property risks in Mexico. While specific minimum premium details are not listed, brokers are encouraged to reach out for underwriting guidance and eligibility parameters.
Territories and Availability
The MexiHome PLUS Program is available to agents and brokers licensed in the following states:
AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY
Why Work With MexiPass?
MexiPass International Insurance Services is a Managing General Agency (MGA) with deep experience in cross-border insurance solutions. Their focus on insuring U.S.-based clients with interests in Mexico sets them apart in the market. With access to top-rated carriers like AIG – Mexico and a proven program structure, MexiPass offers agents reliable underwriting, competitive coverage, and responsive support.
Whether your client is purchasing a new vacation home or looking to upgrade their current Mexico property policy, MexiPass provides the tools and expertise you need to secure comprehensive protection.