oladulce
Super Nomad
Posts: 1625
Registered: 5-30-2005
Location: bcs
Member Is Offline
|
|
Mexico Homeowner's Insurance recommendation/experience
Homeowner's Insurance? Companies you like? Who to avoid?
So far I've come across ACE Seguros' policies (offered at a "club rate" with Baja Good Life Club). The policy info and online quote are in English and
it seems ok, but I don't have experience to base it on.
We don't live in the Mulege flood zone.
Personal experiences or links to discussions of this topic are all appreciated.
|
|
|
DianaT
Select Nomad
Posts: 10020
Registered: 12-17-2004
Member Is Offline
|
|
| Quote: | Originally posted by oladulce
Homeowner's Insurance? Companies you like? Who to avoid?
So far I've come across ACE Seguros' policies (offered at a "club rate" with Baja Good Life Club). The policy info and online quote are in English and
it seems ok, but I don't have experience to base it on.
We don't live in the Mulege flood zone.
Personal experiences or links to discussions of this topic are all appreciated. |
You might check with Lauri Farley ---"Lauriboats" as I remember her telling us that they had a good experience with their house insurance company
while others were having a struggle with other companies.
That was in Mulege, but not on the River.
|
|
|
ncampion
Super Nomad
Posts: 1238
Registered: 4-15-2006
Location: Loreto
Member Is Offline
Mood: Retired and Loving it
|
|
Another short thread on this topic...........
http://forums.bajanomad.com/viewthread.php?tid=71696#pid8802...
|
|
|
mtnpop
Senior Nomad
Posts: 597
Registered: 9-8-2009
Location: Colorado/mulege
Member Is Offline
|
|
We are on the river in Mulege and have had no problem with 2 floods in getting a claim filed and paid, renewal has been done after both..
we are currently covered "full"
The company is GNP.. The only thing I think they may not do is insure a palapa roof house.... (palm frawns)
Of course many insurance companies in the states will not insure cedar roofs anymore... as a side note.
Common sense is a flower that doesn\'t grow in everyone\'s garden.....
A wise man once spoke nothing.....
Never kick a cow chip on a hot day!!
|
|
|
Bob and Susan
Elite Nomad
Posts: 8813
Registered: 8-20-2003
Location: Mulege BCS on the BAY
Member Is Offline
Mood: Full Time Residents
|
|
| Quote: | Originally posted by mtnpop
...
The company is GNP... |
I think what oladulce needs is contact info
where did you go to get the insurance?
and who?
|
|
|
oladulce
Super Nomad
Posts: 1625
Registered: 5-30-2005
Location: bcs
Member Is Offline
|
|
I can barely interpret the convoluted Exlusions clauses on policies that are written in English. I'd be completely lost trying to understand one in
Spanish. So far I've only looked at "US style" policies written in English that are offered by US/Mexican brokers.
But I'll try to find out more about GNP - sounds like they've come through when ncampion and mtnpop have needed them at claim time and I've read other
positive experiences with that company.
Anybody have experience with ACE Seguros ?
|
|
|
Russ
Elite Nomad
Posts: 6742
Registered: 7-4-2004
Location: Punta Chivato
Member Is Offline
|
|
Elena has worked with me on my home insurance for a few years now. Returns calls and e-mails. Give her a call she is now working with some of my
friends here.
Bahia Concepcion where life starts...given a chance!
|
|
|
oladulce
Super Nomad
Posts: 1625
Registered: 5-30-2005
Location: bcs
Member Is Offline
|
|
Thanks Russ, I'll send her an email. That name is familiar- Dennis has been recommending her for many years for car insurance I believe.
|
|
|
PaulW
Ultra Nomad
Posts: 3075
Registered: 5-21-2013
Member Is Offline
|
|
Expect issues if your home is not conventional construction. For example wood framed homes are unknown with regard to the record of repair for an
event like a fire. The result is a big hassle and likelihood of fair reimbursement will be poor.
No issues if your home is made of concrete with a concrete roof.
Typical claims like water damage seem to have little issues.
Claims are always reduce by a factor based on the local worker wage.
Ask your Insurance person how the claims are handled. Shop agents.
PW
|
|
|
Udo
Elite Nomad
Posts: 6346
Registered: 4-26-2008
Location: Black Hills, SD/Ensenada/San Felipe
Member Is Offline
Mood: TEQUILA!
|
|
Be prepared for some discussions, depending on where your house is located. oladulce.
ANYTHING south of the 28th parallel, the insurance companies consider the house in the MULEGE FLOOD ZONE, even though you may be several hundred
kilometers away.
Laurie's insurance eventually came to the conclusion that they did not want to insure our house in Bahia Asunción, because of (it's) proximity to the
Mulege flood zone.
Other insurers I spoke with (total of 4. Two in the southern area, and two in the northern area, none knew where BA was, even though I told them that
is was about 100 km south of Guerrero Negro) quoted me rates of over $1,800 per year, with exclusions for palapa roofs, and "hydro meteorological
phenomena".
No one in BA seems to have house insurance, so I went with the town's population advice, saving me $150,00 per month.
[Edited on 2-14-2014 by Udo]
Udo
Youth is wasted on the young!
|
|
|
CasaManzana
Nomad
Posts: 398
Registered: 7-4-2004
Location: Was Mulege:Posada Beach/now Zihuatanejo
Member Is Offline
Mood: Naykid
|
|
Avoid Bancomer at all costs-
Some years ago (5-6) we had a hurricane walk right over our houses on Posada beach, 14K south of Mulege. A number of houses had windows blown in and
roofs damaged from the 100+ winds. There was no flood damage. Four of us had Bancomer coverage and had paid in for a number of years, in my case we
had their coverage (not) for four years at that point. I had $3500 USD worth of roof damage with a $1000 deductible. Bancomer refused all four of our
claims saying we had inferior houses or they would not have been damaged. We eventually ran up against their bank of attorneys at their Monterrey
headquarters on the mainland...end of story. Bancomer coverage is an oxymarooon. My brick Posada house was certainly not inferior (nor were the
other three)-
Things are expensive, but at least we get a free trip around the sun once a year
|
|
|
weebray
Super Nomad
Posts: 1094
Registered: 7-19-2010
Location: La Paz
Member Is Offline
Mood: lleno
|
|
Insurance??? My brother had some once. I'm with Udo.
|
|
|
![[*]](images/xmbforum/default_icon.gif){kind=icon}
