Gavop's guide to buying homeowners insurance in Belen, NM covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $43,500 | $40,000 | $50,000-$75,000 |
| 2 Bedroom | $104,000 | $90,000 | $100,000-$125,000 |
| 3 Bedroom | $104,000 | $90,000 | $100,000-$125,000 |
| 4 Bedroom | $189,000 | $170,000 | $200,000-$250,000 |
| 5 Bedroom | $354,000 | $330,000 | $300,000-$350,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$111 | $544 |
| Superior Protection Discount | -$66 | $590 |
| Fire & Security Discount | -$66 | $590 |
| Hail Resistant Roof Discount | -$13 | $642 |
| Newly Constructed Home Discount | -$131 | $524 |
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Valencia County | $1,000 | $775 | $1,775 | $563 | $1,563 | $212 |
| Belen, NM | $2,500 | $647 | $3,147 | $470 | $2,970 | $177 |
| Madrone, NM | $400 | $731 | $1,131 | $531 | $931 | $200 |
| Isleta Pueblo, NM | $500 | $709 | $1,209 | $516 | $1,016 | $194 |
| Highland Meadows, NM | $700 | $589 | $1,289 | $428 | $1,128 | $161 |
| Sandia Heights, NM | $500 | $1,572 | $2,072 | $1,142 | $1,642 | $430 |
| Manzano Springs, NM | $2,000 | $742 | $2,742 | $539 | $2,539 | $203 |
| South Acomita Village, NM | $400 | $688 | $1,088 | $500 | $900 | $188 |
| Indian Hills, NM | $1,500 | $839 | $2,339 | $610 | $2,110 | $229 |
| Acomita Lake, NM | $200 | $659 | $859 | $479 | $679 | $180 |
| Home Insurance Company Belen, NM | Homeowners Insurance Agency Belen, NM | Address | Popularity Score | Distance from Belen (miles) |
|---|---|---|---|---|
| Travelers | Blue Star Insurance | 424 Becker Ave, Belen, NM, 87002 | 6.9 | |
| Travelers | Michael Olguin Insurance Associates Llc | 315 N. California Street, Socorro, NM, 87801 | 44.3 | |
| State Farm | Theresa Saiz-Wilmert | 6301 Rvrside Plz Ln Nw Ste 2, Albuquerque, NM, 87120-2638 | 33.4 | |
| State Farm | Michelle Rudolph | 1803 La Blvd Ne Ste F1, Albuquerque, NM, 87110-6951 | 33.3 | |
| State Farm | Damien Ocampo | 1004 N California St Ste B, Socorro, NM, 87801-4273 | 43.7 | |
| Farmers | Fernando Cazares | 959 Hwy 314 Sw Ste B, Los Lunas, NM, 87031 | 10.5 | |
| State Farm | Paul Whitson | 8300 Carmel Ave Ne Ste 502, Albuquerque, NM, 87122-3125 | 37.6 | |
| Allstate | Jalene Berger | 4100 Southern Blvd Se Ste 3c, Rio Rancho, NM, 87124 | 39.3 | |
| Farmers | Angela Villar | 4601 Paradise Blvd Nw Ste J-110, Albuquerque, NM, 87114 | 35.3 | |
| Farmers | Robert Trujillo | 8440 Wyoming Blvd Ne, Albuquerque, NM, 87113 | 37.7 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| New Mexico | $163,900 | $870 | $620 | $1,210 | $590 |
| Valencia County, NM | $133,100 | $785 | $540 | $1,080 | $540 |
| Belen, NM | $119,300 | $655 | $470 | $930 | $460 |
| Madrone, NM | $101,900 | $740 | $510 | $1,010 | $500 |
| Isleta Pueblo, NM | $92,600 | $718 | $520 | $990 | $470 |
| Highland Meadows, NM | $48,800 | $596 | $430 | $820 | $390 |
| Sandia Heights, NM | $437,500 | $1,591 | $1,130 | $2,260 | $1,130 |
| Manzano Springs, NM | $106,300 | $751 | $520 | $1,040 | $520 |
| South Acomita Village, NM | $84,000 | $696 | $470 | $960 | $490 |
| Indian Hills, NM | $153,000 | $849 | $590 | $1,160 | $570 |
| Acomita Lake, NM | $73,000 | $667 | $480 | $920 | $440 |