Gavop's guide to buying homeowners insurance in Aztec, 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 | $55,500 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $143,000 | $120,000 | $150,000-$175,000 |
| 3 Bedroom | $160,500 | $130,000 | $150,000-$175,000 |
| 4 Bedroom | $274,500 | $250,000 | $200,000-$250,000 |
| 5 Bedroom | $469,000 | $420,000 | $400,000-$500,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$114 | $600 |
| Superior Protection Discount | -$71 | $643 |
| Fire & Security Discount | -$50 | $665 |
| Hail Resistant Roof Discount | -$14 | $701 |
| Newly Constructed Home Discount | -$157 | $558 |
| 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 |
| San Juan County | $700 | $795 | $1,495 | $578 | $1,278 | $217 |
| Aztec, NM | $1,000 | $706 | $1,706 | $513 | $1,513 | $193 |
| Farmington, NM | $400 | $855 | $1,255 | $621 | $1,021 | $234 |
| Ojo Amarillo, NM | $500 | $738 | $1,238 | $536 | $1,036 | $202 |
| Southern Ute, CO | $1,500 | $1,374 | $2,874 | $999 | $2,499 | $376 |
| Ignacio, CO | $300 | $962 | $1,262 | $699 | $999 | $263 |
| San Juan County, NM | $2,500 | $795 | $3,295 | $578 | $3,078 | $217 |
| West Rio Arriba, NM | $400 | $1,051 | $1,451 | $764 | $1,164 | $287 |
| Mancos, CO | $2,000 | $1,372 | $3,372 | $997 | $2,997 | $375 |
| Durango, CO | $500 | $1,251 | $1,751 | $909 | $1,409 | $342 |
| Montezuma County, CO | $1,500 | $859 | $2,359 | $624 | $2,124 | $235 |
| Home Insurance Company Aztec, NM | Homeowners Insurance Agency Aztec, NM | Address | Popularity Score | Distance from Aztec (miles) |
|---|---|---|---|---|
| Allstate | Viviana Aguirre | 900 Sullivan Ave, Farmington, NM, 87401 | 15.2 | |
| State Farm | Ginny Gil | 3060 E 20th St Ste D, Farmington, NM, 87402-5362 | 14.0 | |
| Travelers | The Walker Agency | 1501 San Juan Blvd Ste 201, Farmington, NM, 87401 | 15.7 | |
| Liberty Mutual Independent | Armstrong Coury Insurance | 424 E Main St, Farmington, NM, 87401 | 16.3 | |
| Liberty Mutual Independent | Woods Insurance Service Inc | 4801 N Butler Ave Ste 12101, Farmington, NM, 87401 | 13.7 | |
| Liberty Mutual Independent | Woods Insurance Service Inc | 4801 N Butler Ave #12101, Farmington, NM, 87401 | 13.7 | |
| Allstate | Silvia Ramos | 2400 E 20th St, Farmington, NM, 87401 | 14.4 | |
| State Farm | Trudy Goldsmith | 800 E 30th St Bldg 2a, Farmington, NM, 87401-9407 | 14.8 | |
| Allstate | Kysar Insurance Agency | P.O. Box 295, Farmington, NM, 87499 | 14.6 | |
| State Farm | Thomas Payne | 1409 W Aztec Blvd Ste 2, Aztec, NM, 87410-1874 | 4.9 |
| 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 | $1,190 | $590 |
| San Juan County, NM | $143,300 | $805 | $540 | $1,150 | $610 |
| Aztec, NM | $154,300 | $715 | $490 | $990 | $500 |
| Farmington, NM | $175,800 | $865 | $590 | $1,200 | $610 |
| Ojo Amarillo, NM | $104,700 | $747 | $510 | $1,060 | $550 |
| Southern Ute, CO | $267,900 | $1,391 | $970 | $1,820 | $850 |
| Ignacio, CO | $258,800 | $973 | $680 | $1,280 | $600 |
| San Juan County, NM | $143,300 | $805 | $540 | $1,150 | $610 |
| West Rio Arriba, NM | $269,600 | $1,064 | $710 | $1,480 | $770 |
| Mancos, CO | $267,100 | $1,389 | $970 | $1,820 | $850 |
| Durango, CO | $412,000 | $1,266 | $890 | $1,660 | $770 |
| Montezuma County, CO | $197,900 | $870 | $610 | $1,140 | $530 |