Homeowners Insurance
Cover Your Casa

Homeowners insurance generally covers sudden losses and damages to your home and personal belongings. Examples of sudden losses include:

• Fire and explosion
• Water damage
• Vandalism
• Fallen trees
• Theft by force
• Earthquakes/Volcanic Eruption (optional)
• Hydro-meteorological events such as hurricanes, floods, and windstorm (optional)

Homeowners policies also include liability to pay for damages to others such as injuries and dog bites if you are found to be at fault.

The policy offers debris removal and loss of use coverages. Loss of use includes coverage for a rental or hotel in case your home is not livable as well as storage for belongings.

Home emergency assistance is available in case you are locked out of your home or there is an electrical, plumbing or broken glass emergency.

Renters insurance generally covers sudden losses and damages to your personal belongings. Examples of sudden losses include:

• Fire and explosion
• Water damage
• Vandalism
• Fallen trees
• Theft by force
• Earthquakes/Volcanic Eruption (optional)
• Hydro-meteorological events such as hurricanes, floods, and windstorm (optional)

Renters policies also include a liability limit to pay for damages to others such as injuries and dog bites if you are found to be at fault.

The policy offers debris removal and loss of use coverages.

Home emergency assistance is available in case you are locked out of your home or there is an electrical, plumbing or broken glass emergency.

Baja Bound offers coverage on single family homes, condos, townhouses, and apartments. Call us if you'd like to cover another type of home and we'd be happy to look into coverage for you.

We do not offer coverage on 5th wheel trailers (or other types of trailers with wheels used as homes) under our homeowners policies, but we may be able to help you with coverage under our auto insurance policies. Feel free to contact us.

Our homeowners policies offer coverage on short and long term rental properties. A rental contract is required in case of a claim.

The coverage includes:

• Damages to your home's structure and belongings if the renters are at fault.
• Landlord Civil Liability for accidents suffered by the renters in the home if you are found to be at fault. Subject to a coverage limit.
• Theft of your personal belongings by renters up to a limit. Subject to a coverage limit and deductible.
• Limited coverage for your guests' belongings.

Optional Loss of Rents coverage is available to cover up to 3 months of loss of rental income due to a covered loss.

Important: Our short/long term rental coverage is generally for family use, not business use. If you are in the business of renting properties, our policy may not offer all the coverages a business would require.

Most of HDI's coverages do not have deductibles. Here is a list of those coverages:

• Damages to your home's structure
• Debris removal
• Loss of use
• Loss of rents
• Damages to your belongings
• Theft inside the home
• Coverage for pets
• Home appliances coverage
• Family and domestic liability
• Home assistance

The coverages with deductibles include:

• Accidental glass breakage
• Personal accidents inside the home
• Personal accidents outside the home, if applicable
• Earthquake and volcanic eruption, if applicable
• Hydro-meteorological events, if applicable
• Short term rental property coverages, if applicable

Earthquake and volcanic eruption and hydro-meteorological events coverages also include coinsurance in addition to deductibles. Both the deductible and coinsurance apply to the structure, belongings, Debris Removal and Loss of Use.

Deductibles and coinsurance may be found on your quote.

The replacement value for a home's structure is the amount it would cost for materials and labor to rebuild your home. This value does not include the land, therefore it isn't the real estate value.

Baja Bound provides a structure value estimator during our quote process. It's important to know that this is only an estimate and the value should be increased or decreased accordingly.

How to find the most accurate value? Consider asking your real estate agent if they can provide an estimate. Builders and contractors are also great resources to help find the replacement value.

It’s recommended to create a home inventory. A home inventory will help you organize the estimated replacement values of your belongings. It's also ideal to have an inventory in case of a claim since it makes the claims process easier and faster. Most people have no idea how much they own, so a home inventory helps significantly.

There are many home inventory apps available online. Photos and videos of your belongings can be easily stored on your phone and in the cloud.

Note that in case of a claim, proof of ownership in the form of receipts/invoices and/or photos will be requested by the insurance company.

Our policy offers coverage on valuables such as jewelry, watches, art, antiques, collections, rugs, and silver items up to 500 UMA ( ~US $2700)* each item or set. Electronics, appliances and sporting goods, and fixed installations such a solar panels, etc. are covered up to 750 UMA (~US $4100)*. View our quote page for the most updated coverage limit information.

For higher priced valuables (those over the coverage limits stated on the quote page) special coverage may be requested from the insurance company, but it is not guaranteed. Valuables must be submitted to HDI for approval before the policy may be issued.

In case of a claim, the HDI Seguros will require invoices or receipts as proof of ownership.

What is UMA? UMA is Mexico's Unit of Update and Measure.

*US Dollar amounts shown are estimates based on the USD/Peso exchange rate as of February 2025.

Replacement value means that your damaged property will be replaced with property of like kind without including depreciation.

Actual cash value means that depreciation would be included.

HDI Seguros offers replacement value on all losses except for damages to electronics and appliances that are over 3 years old under the optional Electronics & Appliances coverage.

Generally, these are not covered under a homeowners policy:

• The land your home was built on
• Motorized vehicles
• Gradual damages such as mold, rust, pests, leaks, erosion
• Normal wear and tear
• Smoke or soot from chimneys
• Theft without force

We'll need to know the following for an accurate quote:

• Postal code
• Approximate size
• Your home's structure value (replacement cost)
• Your belongings value
• If any part of your home's structure is made of wood or light construction
• How many stories the home has
• If your home is close to the ocean, a lake or river and whether or not it is beachfront/oceanfront.