Gavop's guide to buying homeowners insurance in Harding 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 | $28,000 | $20,000 | $25,000-$50,000 |
| 2 Bedroom | $73,500 | $60,000 | $50,000-$75,000 |
| 3 Bedroom | $66,000 | $60,000 | $50,000-$75,000 |
| 4 Bedroom | $123,500 | $100,000 | $125,000-$150,000 |
| 5 Bedroom | $93,500 | $80,000 | $75,000-$100,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$97 | $509 |
| Superior Protection Discount | -$61 | $546 |
| Fire & Security Discount | -$55 | $552 |
| Hail Resistant Roof Discount | -$12 | $594 |
| Newly Constructed Home Discount | -$152 | $455 |
| 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 |
| Harding County | $2,000 | $599 | $2,599 | $435 | $2,435 | $164 |
| Harding County, NM | $700 | $599 | $1,299 | $435 | $1,135 | $164 |
| North Harding, NM | $700 | $643 | $1,343 | $467 | $1,167 | $176 |
| Roy, NM | $200 | $626 | $826 | $455 | $655 | $171 |
| Clayton South, NM | $400 | $684 | $1,084 | $497 | $897 | $187 |
| Logan-Nara Visa, NM | $1,000 | $696 | $1,696 | $505 | $1,505 | $190 |
| Logan, NM | $500 | $701 | $1,201 | $510 | $1,010 | $192 |
| Nara Visa, NM | $1,500 | $537 | $2,037 | $391 | $1,891 | $147 |
| Union County, NM | $200 | $652 | $852 | $474 | $674 | $178 |
| Home Insurance Company Harding County, NM | Homeowners Insurance Agency Harding County, NM | Address | Popularity Score | Distance from Harding County (miles) |
|---|---|---|---|---|
| State Farm | Ronny Sanders | 502 S 1st St, Tucumcari, NM, 88401-2711 | 47.7 | |
| Farmers | Phillip Box | 224 E Tucumcari Blvd, Tucumcari, NM, 88401 | 47.9 | |
| Allstate | Tucumcari Ins Agcy | 214 S 2nd St, Tucumcari, NM, 88401 | 47.5 | |
| Liberty Mutual Independent | Tucumcari General Ins Agcy Inc | 214 South 2nd Street, Tucumcari, NM, 88401 | 47.5 | |
| Liberty Mutual Independent | Tucumcari General Ins Agcy Inc | 214 S 2nd St, Tucumcari, NM, 88401 | 47.5 | |
| Liberty Mutual Independent | Tucumcari General Ins Agcy Inc | 214 S 2nd St, Tucumcari, NM, 88401 | 47.5 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| New Mexico | $163,900 | $870 | $590 | $1,240 | $650 |
| Harding County, NM | $67,800 | $606 | $440 | $870 | $430 |
| Harding County, NM | $67,800 | $606 | $440 | $840 | $400 |
| North Harding, NM | $67,300 | $651 | $470 | $920 | $450 |
| Roy, NM | $61,300 | $634 | $420 | $870 | $450 |
| Clayton South, NM | $82,600 | $692 | $460 | $990 | $530 |
| Logan-Nara Visa, NM | $87,300 | $704 | $510 | $970 | $460 |
| Logan, NM | $89,400 | $710 | $510 | $970 | $460 |
| Nara Visa, NM | $32,900 | $544 | $380 | $780 | $400 |
| Union County, NM | $89,500 | $660 | $480 | $940 | $460 |