Gavop shows you how to buy homeowners insurance in Rio Arriba County, NM by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $43,000 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $133,500 | $130,000 | $125,000-$150,000 |
| 3 Bedroom | $167,500 | $160,000 | $175,000-$200,000 |
| 4 Bedroom | $241,000 | $200,000 | $200,000-$250,000 |
| 5 Bedroom | $244,000 | $210,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$127 | $722 |
| Superior Protection Discount | -$76 | $773 |
| Fire & Security Discount | -$85 | $765 |
| Hail Resistant Roof Discount | -$17 | $833 |
| Newly Constructed Home Discount | -$178 | $671 |
| 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 |
| Rio Arriba County | $1,000 | $840 | $1,840 | $610 | $1,610 | $229 |
| Rio Arriba County, NM | $1,500 | $840 | $2,340 | $610 | $2,110 | $229 |
| Tierra Amarilla, NM | $400 | $973 | $1,373 | $707 | $1,107 | $266 |
| Coyote, NM | $400 | $894 | $1,294 | $650 | $1,050 | $244 |
| La Jara, NM | $2,500 | $781 | $3,281 | $567 | $3,067 | $213 |
| Rio Chama, NM | $100 | $832 | $932 | $605 | $705 | $227 |
| Chili, NM | $2,500 | $959 | $3,459 | $697 | $3,197 | $262 |
| Ohkay Owingeh, NM | $100 | $721 | $821 | $524 | $624 | $197 |
| Velarde, NM | $700 | $1,077 | $1,777 | $783 | $1,483 | $294 |
| Tres Piedras, NM | $100 | $835 | $935 | $607 | $707 | $228 |
| Home Insurance Company Rio Arriba County, NM | Homeowners Insurance Agency Rio Arriba County, NM | Address | Popularity Score | Distance from Rio Arriba County (miles) |
|---|---|---|---|---|
| Travelers | Adv Insurance Agency Llc | 557 Oppenheimer Dr Ste 101, Los Alamos, NM, 87544 | 48.5 | |
| State Farm | Lou Santoro | 110 Central Park Sq, Los Alamos, NM, 87544-4020 | 48.6 | |
| Allstate | Dennis Rivera | 416 N Riverside Dr Ste B, Espanola, NM, 87532 | 49.8 | |
| Allstate | Ron Alcorn Agency | 457 S Terrace Ave, Chama, NM, 87520 | 27.9 | |
| Travelers | Adv Insurance Agency Llc | 557 Oppenheimer Dr Ste 101, Los Alamos, NM, 87544 | 48.5 | |
| Farmers | Bernadette Naranjo Csp | 935 Central Ave Ste A, Los Alamos, NM, 87544 | 48.7 | |
| Travelers | Rio Grande Ins Services Of Sf Inc-Espanola | 1116 A Plaza Del Norte, Espanola, NM, 87532 | 48.2 | |
| Travelers | Monte Sol Insurance Agency Llc | 107 Trujillo Loop, Espanola, NM, 87532 | 50.0 | |
| State Farm | Abe Dispennette | 1362 Trinity Dr Ste B, Los Alamos, NM, 87544-3294 | 48.7 | |
| Farmers | Camille Esquibel | 912 N Riverside Dr Ste B, Espanola, NM, 87532 | 49.5 |
| 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 | $1,200 | $570 |
| Rio Arriba County, NM | $167,100 | $850 | $620 | $1,170 | $550 |
| Rio Arriba County, NM | $167,100 | $850 | $600 | $1,160 | $560 |
| Tierra Amarilla, NM | $227,600 | $985 | $680 | $1,350 | $670 |
| Coyote, NM | $182,900 | $905 | $650 | $1,290 | $640 |
| La Jara, NM | $123,900 | $790 | $540 | $1,110 | $570 |
| Rio Chama, NM | $149,600 | $842 | $560 | $1,160 | $600 |
| Chili, NM | $219,800 | $971 | $670 | $1,340 | $670 |
| Ohkay Owingeh, NM | $163,600 | $730 | $520 | $1,030 | $510 |
| Velarde, NM | $281,900 | $1,090 | $740 | $1,500 | $760 |
| Tres Piedras, NM | $151,000 | $845 | $570 | $1,200 | $630 |