MexiHome PLUS Program — Insurance for U.S. Homeowners in Mexico
The MexiHome PLUS Program from MexiPass International Insurance Services provides a tailored homeowners solution for U.S. residents who own vacation or secondary homes in Mexico. Built to mirror the broad protection of U.S. HO-5 forms, this program gives agents access to comprehensive coverage backed by AIG – Mexico.
Overview for Agents and Brokers
This program is designed for independent agents and brokers placing personal lines homeowners risks for clients who live in the U.S. but own property in Mexico. MexiPass acts as the managing general agency, coordinating placement and underwriting through AIG – Mexico on a non-admitted basis to allow flexible terms for cross-border exposures.
Ideal Accounts and Appetite
MexiHome PLUS is a strong option when you need HO-5–style protection for:
- Private vacation homes and second residences
- Single-family houses, condos, beachfront villas, and mountain properties
- Owners who use the property solely for personal use (non-commercial)
Accounts involving rental income, short-term rentals (e.g., frequent Airbnb use), commercial activities, or unusual exposures will typically require additional underwriting review and documentation.
Coverage Highlights and Advantages
The program delivers broad-form protection similar to HO-5 policies and addresses perils common to Mexican territories, including coastal and seismic risks. Key coverages include:
- Property Coverage: Dwelling, other structures, personal contents, and loss of use.
- Liability: Personal liability within Mexico and medical payments for visitors.
- Catastrophic Perils: Coverage for earthquake, volcanic eruption, flood, and tidal wave where applicable.
- Scheduled Valuables: Ability to schedule high-value items such as jewelry, artwork, and collectibles.
- Homeowners Assistance Services: Emergency plumbing, locksmith, and plate glass replacement services are available to help manage small urgent losses.
These features help your clients manage both everyday loss exposures and larger natural catastrophe risks that affect certain regions of Mexico.
Underwriting Notes
MexiPass places MexiHome PLUS on a non-admitted basis through AIG – Mexico, which offers flexibility for cross-border placements. Because terms are underwritten in Mexico, expect tailored wording and capacity considerations specific to each risk. Brokers should be prepared to provide:
- Detailed property information and recent photos
- Occupancy and use details (primary vs. seasonal use)
- Any history of prior claims or loss mitigation measures
For borderline or complex risks, reach out to MexiPass underwriting for eligibility guidance and documentation requirements.
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 focused on cross-border placements for U.S. clients with interests in Mexico. Working with MexiPass gives you:
- Access to AIG – Mexico capacity and tailored policy forms
- Underwriting expertise in Mexican property and coastal/seismic risks
- Support placing non-admitted, flexible solutions when admitted options are limited
- Guidance through documentation and submission requirements to streamline placement
Example scenarios you might place here: a U.S. homeowner buying a beachfront condo in Baja who wants HO-5 level contents and liability protection, or a client with a second home in San Miguel de Allende seeking scheduled coverage for high-value artwork and earthquake protection.
Whether your client is purchasing a new vacation home or upgrading an existing Mexico policy, MexiPass can help you secure comprehensive coverage and underwriting support.