Building: Covers the structure and anything attached to it, such as floors, walls, ceilings, kitchen cabinets, doors, and bathroom fixtures
Contents: Includes movable items like furniture, appliances (TV, refrigerator, washer/dryer), and personal electronics
Provides immediate assistance for locksmith, plumbing, and electrical emergencies. This service ensures timely and professional help to mitigate damage and maintain safety
Legal Advice: Access to legal advice via telephone for situations requiring specialized guidance.
Funeral Expenses: Financial support for funeral expenses in case of the policyholder's death
Covers natural events such as hurricanes, floods, earthquakes, volcano, mudslides, hail, frost, and storm force winds. This endorsement is essential for homes in areas prone to these natural events
Deductibles range from 2% to 5% of the insured value, and coinsurance varies by region, usually around 10% to 20%
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This coverage was created in 2002 by the Mexican authorities after a deep analysis regarding the catastrophic damages caused by water, wind, earthquakes and volcanic eruptions. These are the coverages inside of the Hydrometeorological Phenomena coverage:
1.Mud / Avalanches
Mud slide caused by floods or rains.
2. Hail
Frozen precipitation that falls with force in ice grain form. With this coverage the damage caused an obstruction in the pluvial water slopes is covered.
3. Frost
Damage from the unexpected reduction of the room temperature to the point of freezing of water where the damage occurred.
4. Hurricane
Flow of water and air of great magnitude, moving in a circular trajectory around a center of low pressure, on the water or land surface with equal or greater wind speed of 118 kilometers per hour, that has been identified by the authorities.
5. Flood
The accidental temporary covering of the ground by water, as a result of deviation, underflow or breakage of retaining walls of rivers, channels, lakes, reservoirs, pools and other deposits or water obstacles caused naturally or artificially.
6. Flood by Rain
The accidental temporary covering of the ground by rainwater due to the unusual and fast accumulation or displacement of water originated in extraordinary rains that fulfill anyone of the following facts:
– rains at least reach 85% of the weighted average of the historical maximums of the zone of occurrence in the last ten years, agreement with the procedure published by AMIS, measured in the nearest weather station, certified by the National Meteorological Service of the National Commission of the Water, or
– where the flood damaged insured property has covered at least one hectare.
7. Swell
Alteration of the sea that is pronounced with one elevation of its level due to a meteorological disturbance that reduces the atmospheric pressure and causes a sharp force on the sea surface produced by wind.
8. Ocean Surge
Violent agitation of waters of the sea as a result of a shock of the bottom, that propagates until it reaches the coastline giving rise to flooding.
9. Snow Fall
Crystalized precipitation falling from the sky in the form of flakes.
10. Stormy winds
Winds that at least reach the category of tropical depression according to the Beaufort scale of at least 50 kilometers per hour. The applicable coverage is that it originates from the immediate and direct damage to the insured property, independent of the meteorological phenomenon that causes them.
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