West Coast Global Insurance Services

Insurance Gaps Many Expats Discover Too Late Retiring in Baja California can feel like the lifestyle many Americans and Canadians have worked toward for years. The slower pace, coastal living, warmer climate, and cross-border accessibility make Baja one of the most popular retirement destinations in Mexico. However, many retirees discover after relocating that insurance works very differently in Mexico than it does in the United States or Canada. One of the biggest surprises is realizing that several common insurance assumptions no longer apply once you begin living internationally. Mexico Auto Insurance Changes After Relocation If you drive a U.S. or Canadian-registered vehicle into Mexico, Mexican law generally requires a Mexico Tourist Auto Insurance policy issued by a Mexico-authorized carrier. Many retirees are surprised to learn their domestic auto policy is not considered valid liability coverage inside Mexico. If you later purchase a Mexico-registered vehicle after relocating, ...

Does Your Policy Actually Include Hurricane Coverage? If you own property near the coast in Mexico, hurricane season is something you should prepare for long before a storm appears on the radar. One of the biggest misunderstandings homeowners have is assuming their Mexico Home Insurance policy automatically includes hurricane, flood, and windstorm protection. In reality, catastrophic-related coverages can vary significantly depending on the insurance company, underwriting structure, and policy selected. That is why simply having a Mexico home insurance policy is not always enough. The more important question is whether the policy includes the protections your property may need. What a Mexico Home Insurance Policy May Include Depending on the selected carrier and coverage structure, Mexico Home Insurance may include protection for: ·        the dwelling itself ·        detached structures ·        p...