Gavop shows you how to buy homeowners insurance in Los Alamos 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 | $71,000 | $60,000 | $75,000-$100,000 |
| 2 Bedroom | $120,000 | $100,000 | $75,000-$100,000 |
| 3 Bedroom | $303,000 | $260,000 | $300,000-$350,000 |
| 4 Bedroom | $216,500 | $190,000 | $175,000-$200,000 |
| 5 Bedroom | $219,500 | $190,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$157 | $765 |
| Superior Protection Discount | -$92 | $829 |
| Fire & Security Discount | -$92 | $829 |
| Hail Resistant Roof Discount | -$28 | $894 |
| Newly Constructed Home Discount | -$212 | $710 |
| 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 |
| Los Alamos County | $1,000 | $910 | $1,910 | $662 | $1,662 | $249 |
| Los Alamos County, NM | $1,000 | $910 | $1,910 | $662 | $1,662 | $249 |
| San Ildefonso Pueblo, NM | $300 | $968 | $1,268 | $704 | $1,004 | $265 |
| Jaconita, NM | $2,500 | $966 | $3,466 | $702 | $3,202 | $264 |
| Ohkay Owingeh, NM | $400 | $721 | $1,121 | $524 | $924 | $197 |
| Chili, NM | $2,500 | $959 | $3,459 | $697 | $3,197 | $262 |
| Peak Place, NM | $400 | $458 | $858 | $333 | $733 | $125 |
| Zia Pueblo, NM | $100 | $689 | $789 | $500 | $600 | $188 |
| El Rito, NM | $1,000 | $851 | $1,851 | $618 | $1,618 | $232 |
| Rio Lucio, NM | $100 | $715 | $815 | $520 | $620 | $195 |
| San Pedro, NM | $700 | $875 | $1,575 | $636 | $1,336 | $239 |
| Home Insurance Company Los Alamos County, NM | Homeowners Insurance Agency Los Alamos County, NM | Address | Popularity Score | Distance from Los Alamos County (miles) |
|---|---|---|---|---|
| State Farm | Joanna Boothe | 2316 Sthrn Blvd Se, Rio Rancho, NM, 87124-3732 | 49.0 | |
| State Farm | Jason Chandler | 12 Unser Blvd Se Ste J, Rio Rancho, NM, 87124-6300 | 47.7 | |
| Liberty Mutual Independent | Adv Insurance Agency Llc | 557 Oppenheimer Dr Ste 101, Los Alamos, NM, 87544 | 0.8 | |
| State Farm | Gabe Ortega | 7820 Enchnd Hl Blvd Ne Ste F, Rio Rancho, NM, 87144-8641 | 46.3 | |
| State Farm | Paul Whitson | 8300 Carmel Ave Ne Ste 502, Albuquerque, NM, 87122-3125 | 49.8 | |
| State Farm | Robert Maldonado | 4986 Airport Rd, Santa Fe, NM, 87507-1814 | 22.3 | |
| Farmers | Christine Espinosa | 1700a Southern Blvd Se, Rio Rancho, NM, 87124 | 48.7 | |
| Allstate | Jalene Berger | 4100 Southern Blvd Se Ste 3c, Rio Rancho, NM, 87124 | 47.6 | |
| State Farm | Scott Klinkenberg | 4061 Ridge Rock Rd Se Ste B, Rio Rancho, NM, 87124-7627 | 46.9 | |
| Farmers | Robert Trujillo | 8440 Wyoming Blvd Ne, Albuquerque, NM, 87113 | 49.6 |
| 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 | $1,240 | $660 |
| Los Alamos County, NM | $285,300 | $921 | $660 | $1,280 | $620 |
| Los Alamos County, NM | $285,300 | $921 | $640 | $1,300 | $660 |
| San Ildefonso Pueblo, NM | $225,000 | $980 | $710 | $1,400 | $690 |
| Jaconita, NM | $223,700 | $978 | $710 | $1,380 | $670 |
| Ohkay Owingeh, NM | $163,600 | $730 | $500 | $1,000 | $500 |
| Chili, NM | $219,800 | $971 | $700 | $1,370 | $670 |
| Peak Place, NM | $10,900 | $464 | $330 | $640 | $310 |
| Zia Pueblo, NM | $84,200 | $697 | $510 | $990 | $480 |
| El Rito, NM | $159,300 | $861 | $620 | $1,190 | $570 |
| Rio Lucio, NM | $95,000 | $724 | $520 | $1,040 | $520 |
| San Pedro, NM | $172,500 | $886 | $590 | $1,250 | $660 |