How Can I Make My Raton, NM Home Insurance Cheaper

Gavop's guide to buying homeowners insurance in Raton, 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.

Compare Quotes from Top Providers and Save now!

Are you a home owner?
Yes No
Currently Insured?
Yes No


No Topics
1Research How your Raton, NM Home Impacts your Rates
2Match your Background to Raton, NM Home Insurance Offers
3Optimize your Raton, NM Homeowners Insurance Policy
4Identify Top Home Insurance Agents near Raton, NM
5Compare Rates from Home Insurance Companies in Raton, NM

Select the Suitable Coverage Value for your Raton, NM Home | Back to Top

Bedrooms Average Home Value Estimated Replacement Value Recommended Home Insurance Coverage
1 Bedroom $42,000 $30,000 $25,000-$50,000
2 Bedroom $103,000 $90,000 $75,000-$100,000
3 Bedroom $87,000 $80,000 $75,000-$100,000
4 Bedroom $131,000 $120,000 $125,000-$150,000
5 Bedroom $296,500 $270,000 $300,000-$350,000

Estimate your Savings with Home Insurance Discounts in Raton, NM | Back to Top

Type Discount ($) Premium After Discount ($)
Multipolicy Discount -$105 $550
Superior Protection Discount -$59 $596
Fire & Security Discount -$52 $602
Hail Resistant Roof Discount -$13 $642
Newly Constructed Home Discount -$144 $511

Choose the Right Deductible for your Raton, 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
Colfax County $700 $689 $1,389 $501 $1,201 $188
Raton, NM $2,000 $647 $2,647 $470 $2,470 $177
Maxwell, NM $300 $612 $912 $444 $744 $167
Starkville, CO $2,500 $895 $3,395 $651 $3,151 $245
Cokedale, CO $400 $901 $1,301 $655 $1,055 $246
Folsom, NM $2,000 $734 $2,734 $533 $2,533 $201
El Moro, CO $500 $1,247 $1,747 $906 $1,406 $341
Cimarron, NM $100 $918 $1,018 $667 $767 $251
Branson, CO $1,500 $660 $2,160 $480 $1,980 $180
Eagle Nest, NM $2,000 $700 $2,700 $508 $2,508 $191

Identify Top Home Insurance Agents near Raton, NM | Back to Top

Home Insurance Company Raton, NM Homeowners Insurance Agency Raton, NM Address Popularity Score Distance from Raton (miles)
State Farm Jose Archuleta 339 S 3rd St, Raton, NM, 87740-4003
7.5
Travelers Durrett Peterman Inc 210 Park Ave, Raton, NM, 87740
7.7
Allstate Park Avenue Agency 210 Park Ave, Raton, NM, 87740
7.7
Allstate Arthur Insurance Agency 126 S 3rd Po Box 999, Raton, NM, 87740
7.7
Travelers Tucumcari General Ins Agency Inc 126 S Third St, Raton, NM, 87740
7.7
Travelers Durrett Peterman Inc 210 Park Ave, Raton, NM, 87740
7.7
Allstate Arthur Insurance Agency 126 S Third St, Raton, NM, 87740
7.7

Compare Rates for Raton, NM Home Insurance Providers | Back to Top

Compare Quotes from Top Providers and Save now!

Place Typical Home Value Typical Home Insurance Costs 25th Percentile 75th Percentile Potential Savings & Difference between 25th & 75th Percentile
New Mexico $163,900 $870 $580 $1,190 $610
Colfax County, NM $105,900 $698 $500 $1,000 $500
Raton, NM $87,100 $655 $480 $940 $460
Maxwell, NM $56,300 $619 $440 $860 $420
Starkville, CO $100,000 $906 $630 $1,190 $560
Cokedale, CO $101,600 $912 $640 $1,190 $550
Folsom, NM $103,100 $743 $530 $1,030 $500
El Moro, CO $213,800 $1,262 $880 $1,650 $770
Cimarron, NM $196,600 $929 $660 $1,270 $610
Branson, CO $51,700 $668 $470 $880 $410
Eagle Nest, NM $88,500 $708 $500 $1,010 $510