How Can I Make My Carlsbad, NM Home Insurance Cheaper
Gavop shows you how to buy homeowners insurance in Carlsbad, NM by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
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Estimate Appropriate Carlsbad, NM Home Insurance Coverage Levels | Back to Top
| Carlsbad, NM - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Remington Rd, W Ural St, Yucca St, Davis St, Crabb St, Picket Rd, Mora St, Country Pl, Fabian St, Curry St | $132,000 | $120,000 | $125,000-$150,000 | $104,500 | $100,000 | $100,000-$125,000 |
| N Alameda St, Western Way, S Ash St, N Cypress St, Francis St, Lamont Pl, W Tansill St, Co Rd 239, Maui Ct, N Main St | $83,000 | $80,000 | $75,000-$100,000 | $62,500 | $50,000 | $50,000-$75,000 |
| Armstrong Rd, Masters Dr, Beaver Tail Rd, Co Rd 24, Adams St, Hidalgo Rd, W Pecan St, Orchard Manor Ct, Osborne Rd, Cass Dr | $207,000 | $200,000 | $175,000-$200,000 | $186,000 | $160,000 | $150,000-$175,000 |
| Pritz St, S Alameda St, S Lake St, Dillahunty Rd, Alabama St, W Pierce St, Chapo Ln, S Spencer St, Mountain Shadow Dr, N la Huerta Cir | $112,000 | $110,000 | $100,000-$125,000 | $125,500 | $110,000 | $125,000-$150,000 |
| Glendale St, Ballard Ranch Rd, Landsun Dr, Red Juniper Rd, Jefferson Dr, China Berry Rd, Old Cavern Hwy, National Livestock Rd, Jeffery St, Co Rd 781 | $115,000 | $100,000 | $125,000-$150,000 | $59,500 | $50,000 | $50,000-$75,000 |
Estimate your Savings with Home Insurance Discounts in Carlsbad, NM | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$110 | $677 |
| Superior Protection Discount | -$79 | $708 |
| Fire & Security Discount | -$63 | $724 |
| Hail Resistant Roof Discount | -$24 | $763 |
| Newly Constructed Home Discount | -$205 | $582 |
Choose the Right Deductible for your Carlsbad, NM Home | Back to Top
| 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 |
| Eddy County | $1,000 | $795 | $1,795 | $578 | $1,578 | $217 |
| Carlsbad, NM | $2,000 | $777 | $2,777 | $565 | $2,565 | $212 |
| La Huerta, NM | $300 | $1,043 | $1,343 | $758 | $1,058 | $285 |
| Loving, NM | $100 | $774 | $874 | $562 | $662 | $211 |
| Artesia, NM | $400 | $720 | $1,120 | $523 | $923 | $197 |
| Loco Hills, NM | $2,000 | $847 | $2,847 | $615 | $2,615 | $231 |
| Lake Arthur, NM | $2,000 | $630 | $2,630 | $458 | $2,458 | $172 |
Identify Top Home Insurance Agents near Carlsbad, NM | Back to Top
| Home Insurance Company Carlsbad, NM | Homeowners Insurance Agency Carlsbad, NM | Address | Popularity Score | Distance from Carlsbad (miles) |
|---|---|---|---|---|
| Travelers | George Gandy Insurance Llc | 916 S 13th St, Artesia, NM, 88210 | 35.9 | |
| Travelers | George Gandy Insurance Llc | 916 South 13th Street, Artesia, NM, 88210 | 35.9 | |
| State Farm | Claudia Phillips | 134 N Canyon St, Carlsbad, NM, 88220-5717 | 14.1 | |
| Travelers | Dunagan Associates | 212 W Stevens St, Carlsbad, NM, 88220 | 14.1 | |
| Liberty Mutual Independent | J S Ward & Son Inc | 101 4th St S, Artesia, NM, 88210 | 36.6 | |
| State Farm | Sondie Stockton | 604 W Main St, Artesia, NM, 88210-2070 | 36.6 | |
| Farmers | Ronnie Jackson | 518 W Main St, Artesia, NM, 88210 | 36.6 | |
| State Farm | Bonnie Ornelas | 1002 W Pierce St Ste B, Carlsbad, NM, 88220-4036 | 14.2 | |
| State Farm | Tom Mcmullan | 701 N Canal St, Carlsbad, NM, 88220-5876 | 14.3 | |
| Farmers | Gayla Cowart | 409 N Canyon St, Carlsbad, NM, 88220 | 14.3 |
Compare Rates for Carlsbad, NM Home Insurance Providers | Back to Top
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| New Mexico | $163,900 | $870 | $600 | $1,240 | $640 |
| Eddy County, NM | $143,100 | $805 | $590 | $1,150 | $560 |
| Carlsbad, NM | $134,000 | $787 | $530 | $1,090 | $560 |
| La Huerta, NM | $265,400 | $1,056 | $720 | $1,490 | $770 |
| Loving, NM | $120,600 | $783 | $560 | $1,070 | $510 |
| Artesia, NM | $162,500 | $728 | $490 | $1,000 | $510 |
| Loco Hills, NM | $157,300 | $857 | $610 | $1,230 | $620 |
| Lake Arthur, NM | $63,000 | $638 | $470 | $910 | $440 |
Research Home Insurance Companies Reviews in Carlsbad, NM Before Buying | Back to Top
Share a review on your home insurance company
Allstate Home Insurance Reviews
Date: December 30, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Premium
We have had no complaints about our premiums or deductibles on this plan. We have not looked into other plans for price comparisons. We are in our first house.
Date: November 27, 2018 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Customer Service
They were very good to me when we talked. They were helpful and informative when I had questions. I would like to talk to that person again.
Farmer's Insurance Home Insurance Reviews
Date: December 27, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Policy Offerings
Farmers has very standard products. They have home car and some life insurances. I would switch if there are incentives. Farmers does just an okay job
Date: July 09, 2019 Age: 20 to 29 Gender: Unmarried Marital Status: Female
Customer Service
I like there customer service. When I am away from home I like that they call me immediately when the alarm goes off.
MetLife Home Insurance Reviews
Date: October 20, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Premium
I think the premium is comparable to other insurance companies. What I do like about my current coverage is I can bundle and save, if I also choose to enroll in their car insurance program.
Progressive Home Insurance Reviews
Date: January 12, 2019 Age: 20 to 29 Gender: Female Marital Status: Married
Premium
I have a 100 dollar deductible and pay only 18 dollars a month. My vehicles in my driveway are also covered which most other companies did not do!
Liberty Mutual Home Insurance Reviews
Date: February 08, 2019 Age: 20 to 29 Gender: Female Marital Status: Married
Policy Offerings
they helps us and guide us in paying premiums over the dues and helps and guiding in saving of premium and pay it on current date
State Farm Home Insurance Reviews
Date: October 24, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Premium
My premium for my insurance is relatively cheaper than the other insurance companies. State farm gave me a discount because I have other products with the company .