We designed the AIG Novamar MX HO Policy to give you peace of mind that your investments are properly protected in Mexico. Our easy to use online policy issuing system means you are just minutes away from protection against damage from fire, lightning, hurricane, tsunami, flood, mudslide, tidal wave, earthquake, third party liability, glass breakage, by a policy that meets USA and international standards of quality.
This policy is easy to buy online or by calling Novamar offices in Mexico. You will need only the physical address of your property, or the house you are renting, the Zip Code in Mexico, and the values you want to insure.
Here are some of the benefits included in this great policy:
Building & Contents
Value and sum insured selected by the insured.
Hydro meteorological coverage included.
Hurricane coverage for beach front locations included.
Earthquake and volcanic eruption coverage included.
Betterments and Improvements investment covered, special for condos.
Solar panels included in the building section.
Outdoor construction and underground equipment included.
Debris removal included.
Remodeling added value for building included.
Additional new acquisitions for contents included.
Golf carts covered as a household good including third-party liability coverage.
Loss of rents included.
Extra living expenses included.
Inflation endorsement to protect against racing cost.
It is granted under the general conditions of the product Hogar Flex.
Liability
Family liability in and out of the House.
Landlord liability.
Tenants liability.
Sports liability as an amateur.
Bicycles, roller blades, kayaks and motorless vehicles liability.
Pet liability.
Domestic employees medical expenses included.
Legal defense expenses included.
Automatic third property damage payment without legal process up to US&200.
It is granted under the general conditions of the product Hogar Flex.
Robbery
Household goods
Jewelry, art, and difficult to replace objects*
Robbery outside of the house.
Money and securities covered in and out of the house.
*Coverage with specified sub limits per item
Glass Breakage
Glass breakage, inside and outside - all risk coverage.
Electronic & Electrodomestic
TV´s, computers, refrigerators, dishwashers, microwaves, electric ovens, washers,dryers, sound equipment, etc.
Machinery Breakdown
Pumps, engines, pool equipment, transformers, elevators, heaters, boilers, etc.
Premium Coverage & Benefits
Car keys or house keys, lost or damaged: replacement expenses.
Additional repair expenses required by authorities.
Policyholder life insurance due to an accident.
Dental services.
Optical services.
Pet medical assistance.
Ambulance services.
Additional living expenses due to a catastrophic event.
Loss of official documents; replacement expenses.
Fraudulent charges to credit or debit card.
Expenses for loss of identity.
AIG Claims Service Guaranty
Adjuster assistance in 24 hours or less.
Loss payment in 72 hours for claims up to US&2,000.
Down payment for 50% of the claim in 72 hours.
NovaCondo P-30
Coverages
Sum Insured
Building
$0.00 USD
Contents
$30,000 USD
Liability
$500,000 USD
Domestic Employee Liability
$2,000 USD
Extra Expenses
$3,000 USD
Robbery
$3,000 USD
Electronic Equipment
$3,000 USD
Glasses
$1,000 USD
NovaCondo P-50
Coverages
Sum Insured
Building
$0.00 USD
Contents
$50,000 USD
Liability
$500,000 USD
Domestic Employee Liability
$2,000 USD
Extra Expenses
$5,000 USD
Robbery
$5,000 USD
Electronic Equipment
$5,000 USD
Glasses
$1,000 USD
NovaCondo P-100
Coverages
Sum Insured
Building
$0.00 USD
Contents
$70,000 USD
Liability
$500,000 USD
Domestic Employee Liability
$2,000 USD
Extra Expenses
$7,000 USD
Robbery
$7,000 USD
Electronic Equipment
$7,000 USD
Glasses
$1,000 USD
NovaCondo 30
Coverages
Sum Insured
Building
$30,000 USD
Contents
$30,000 USD
Liability
$500,000 USD
Domestic Employee Liability
$2,000 USD
Extra Expenses
$6,000 USD
Robbery
$3,000 USD
Electronic Equipment
$3,000 USD
Glasses
$1,000 USD
NovaCondo 50
Coverages
Sum Insured
Building
$50,000 USD
Contents
$30,000 USD
Liability
$500,000 USD
Domestic Employee Liability
$2,000 USD
Extra Expenses
$8,000 USD
Robbery
$3,000 USD
Electronic Equipment
$3,000 USD
Glasses
$1,000 USD
NovaCondo 100
Coverages
Sum Insured
Building
$100,000 USD
Contents
$50,000 USD
Liability
$500,000 USD
Domestic Employee Liability
$2,000 USD
Extra Expenses
$15,000 USD
Robbery
$5,000 USD
Electronic Equipment
$5,000 USD
Glasses
$1,000 USD
NovaHome 300
Coverages
Sum Insured
Building
$300,000 USD
Contents
$90,000 USD
Liability
$500,000 USD
Domestic Employee Liability
$2,000 USD
Extra Expenses
$39,000 USD
Robbery
27,000 USD
Electronic Equipment
$27,000 USD
Glasses
$3,000 USD
NovaHome 400
Coverages
Sum Insured
Building
$400,000 USD
Contents
$120,000 USD
Liability
$500,000 USD
Domestic Employee Liability
$2,000 USD
Extra Expenses
$52,000 USD
Robbery
$36,000 USD
Electronic Equipment
$36,000 USD
Glasses
$4,000 USD
NovaHome 500
Coverages
Sum Insured
Building
$500,000 USD
Contents
$150,000 USD
Liability
$500,000 USD
Domestic Employee Liability
$2,000 USD
Extra Expenses
$65,000 USD
Robbery
$45,000 USD
Electronic Equipment
$45,000 USD
Glasses
$5,000 USD
NovaDomus 700
Coverages
Sum Insured
Building
$700,000 USD
Contents
$210,000 USD
Liability
$500,000 USD
Domestic Employee Liability
$2,000 USD
Extra Expenses
$91,000 USD
Robbery
$63,000 USD
Electronic Equipment
$63,000 USD
Glasses
$7,000 USD
NovaDomus 800
Coverages
Sum Insured
Building
$800,000 USD
Contents
$240,000 USD
Liability
$500,000 USD
Domestic Employee Liability
$2,000 USD
Extra Expenses
$104,000 USD
Robbery
$72,000 USD
Electronic Equipment
$72,000 USD
Glasses
$8,000 USD
NovaDomus 1000
Coverages
Sum Insured
Building
$1,000,000 USD
Contents
$300,000 USD
Liability
$500,000 USD
Domestic Employee Liability
$2,000 USD
Extra Expenses
$130,000 USD
Robbery
$90,000 USD
Electronic Equipment
$90,000 USD
Glasses
$10,000 USD
PURCHASE TERMS, CONDITIONS, DELIVERY AND CANCELLATION CLAUSE FOR INSURANCE POLICIES
When buying your Insurance policy through the website of MGI Agente de Seguros, S.A. de C.V., (Novamar Insurance Mexico) www.novamarinsurance.com.mx, you agree that the policy will be delivered via email to the email address you have provided on this form in PDF format, along with the General Conditions and the Instructions of What to do in Case of Accident, immediately after your payment with your credit card has been approved. Also at the end of your transaction you will have the option to display or download the above mentioned documents on your computer. Policies can be purchased up to 30 days before the inception date of coverage.
The coverage limits of your policy has been displayed along with the explanation on the screens. The General Policy Conditions and Instructions to do in case of Accident are also available for viewing on these screens during the buying process.
You can request, at any time, during the term of your policy, an extra copy of your policy by contacting Novamar Insurance Mexico via telephone by calling 949-274-4111 from the United States and Canada. We will gladly send it to you by email.
If you want to cancel your policy, theprocess is as follows:
1. CANCELLATION AND REFUND. THIS REQUEST MUST BE RECEIVED PRIOR TO THE POLICY INCEPTION DATE OF COVERAGE. NOVAMAR INSURANCE MEXICO WILL REFUND THE TOTAL PREMIUM LESS THE POLICY FEE.
2. Cancellation requests must be sent in writing via email to this address: info@novamar.net
3. Refunds will be credited to the credit card which was used for payment.
This cancellation policy is based on each underwriting guidelines given by the insurance company per product.
Changes in Policy: Any change requested must be sent via email to info@novamar.net. Any change request that does not increase the risk in your policy and your premium such as change of address of the insured, a change in the owner's name, including a change in the beneficiary can be accepted. The endorsement will be sent to you by email. Any changes that modifY the risk and the premium of the policy, such as change of vehicle, vessel, property in Mexico or days of travel, will have to be submitted by email to info@novamar.net. One of our representatives will contact you.
For questions or more information please contact us at the following numbers: 949-274-4111 from the United States and Canada. Via email: info@novamar.net.
POLITICAS DE ENTREGA, ENVIO, DEVOLUCION, CANCELACION Y TERMINOS Y CONDICIONES DE LA COMPRA DE POLIZAS
Al comprar su Póliza de Seguros a través de la página de internet de MGI Agente de Seguros, S.A. de C.V., www.novamarinsurance.com.mx, usted acepta que la póliza se le entregará vía correo electrónico a la dirección de correo que usted ha proporcionado en esta solicitud, en formato de PDF, junto con las Condiciones Generales y las Instrucciones de qué hacer en Caso de Accidente, de manera inmediata una vez que su pago con su tarjeta de crédito ha sido aprobado. Así mismo al final de su transacción usted tendrá en pantalla la opción de descargar en su computadora los documentos antes mencionados. Las pólizas pueden ser compradas hasta 30 días antes de inicio de vigencia. Las coberturas de su Póliza han sido presentadas en las pantallas de esta solicitud así como su explicación. Las Condiciones Generales de la Póliza y las Instrucciones de qué hacer en caso de Accidente han estado también disponibles en estas pantallas desde que usted inicio el proceso de compra.
Usted puede requerir copias extras de su Póliza contactando a MGI Agente de Seguros en sus oficinas vía telefónica llamando 949-274-4111 desde los Estados Unidos y Canadá. Con gusto se la enviaremos por correo electrónico.
En caso de querer la Cancelación de su Póliza, ésta se podrá realizar de la siguiente manera:
1. CANCELACIÓN Y REEMBOLSOS. ESTOS SE DEBERAN SOLICITARSE ANTES DE INICIO DE VIGENCIA DE LA PÓLIZA O DENTRO DE LAS PRIMERAS 24 HORAS DE VIGENCIA. NOVAMAR INSURANCE MEXICO DEVOLVERÁ LA PRIMA TOTAL MENOS EL DERECHO DE PÓLIZA.
2. Las Notificaciones de Cancelación tendrán que ser enviadas por escrito vía correo electrónico a esta dirección de correo: info@novamar.net.
3. Los reembolsos serán acreditados a la Tarjeta de Crédito con la que hizo su pago.
Cambios en su Póliza: Toda solicitud de cambio deberá enviarse vía correo electrónico a info@novamar.net. Cualquier cambio que no aumente el riesgo en su póliza y su prima tales como cambio de dirección del asegurado, cambio en el nombre del propietario, incluir o cambiar el beneficiario preferente puede ser aceptado. Estos no tendrán costo alguno y el endoso se le enviará a su correo electrónico. Cualquier otro cambio que modifique la prima de seguro, tales como cambio de vehículo, embarcación, propiedad en Mexico o días de estancia en Mexico para pólizas de Seguro de Viajero, deberán de solicitarse a info@novamar.net y uno de nuestros representantes se pondrá en contacto con usted para solucionarlo.
Para cualquier duda o mayor información favor de contactarnos al siguiente teléfono: 949-274-4111 desde los Estados Unidos y Canadá. Vía email: info@novamar.net