Gavop's guide to buying homeowners insurance in Union County, 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 | $46,000 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $85,000 | $80,000 | $75,000-$100,000 |
| 3 Bedroom | $94,000 | $90,000 | $75,000-$100,000 |
| 4 Bedroom | $198,000 | $180,000 | $200,000-$250,000 |
| 5 Bedroom | $256,000 | $230,000 | $250,000-$300,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$59 | $601 |
| Home and Two Car | -$106 | $555 |
| Home and Three Car | -$158 | $502 |
| 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 |
| Union County | $2,000 | $652 | $2,652 | $474 | $2,474 | $178 |
| Union County, NM | $2,500 | $652 | $3,152 | $474 | $2,974 | $178 |
| Clayton South, NM | $2,500 | $684 | $3,184 | $497 | $2,997 | $187 |
| Texline, TX | $2,000 | $1,441 | $3,441 | $1,048 | $3,048 | $394 |
| Folsom, NM | $2,500 | $734 | $3,234 | $533 | $3,033 | $201 |
| Felt, OK | $400 | $829 | $1,229 | $602 | $1,002 | $227 |
| Kenton, OK | $2,000 | $843 | $2,843 | $612 | $2,612 | $230 |
| Boise City, OK | $300 | $909 | $1,209 | $661 | $961 | $248 |
| Harding County, NM | $2,500 | $599 | $3,099 | $435 | $2,935 | $164 |
| Home Insurance Company Union County, NM | Homeowners Insurance Agency Union County, NM | Address | Popularity Score | Distance from Union County (miles) |
|---|---|---|---|---|
| Allstate | Union County Ins | 14 Main St, Clayton, NM, 88415 | 16.4 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| New Mexico | $163,900 | $870 | $630 | $1,230 | $600 |
| Union County, NM | $89,500 | $660 | $460 | $910 | $450 |
| Union County, NM | $89,500 | $660 | $440 | $940 | $500 |
| Clayton South, NM | $82,600 | $692 | $480 | $990 | $510 |
| Texline, TX | $87,500 | $1,459 | $960 | $2,250 | $1,290 |
| Folsom, NM | $103,100 | $743 | $530 | $1,050 | $520 |
| Felt, OK | $50,000 | $839 | $610 | $1,160 | $550 |
| Kenton, OK | $51,400 | $853 | $610 | $1,170 | $560 |
| Boise City, OK | $58,500 | $920 | $670 | $1,300 | $630 |
| Harding County, NM | $67,800 | $606 | $440 | $830 | $390 |