Gavop tells you how to get the best homeowners insurance in Lincoln County, NM by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $63,500 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $105,500 | $100,000 | $75,000-$100,000 |
| 3 Bedroom | $156,000 | $130,000 | $150,000-$175,000 |
| 4 Bedroom | $301,000 | $270,000 | $200,000-$250,000 |
| 5 Bedroom | $248,000 | $230,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$141 | $602 |
| Superior Protection Discount | -$74 | $669 |
| Fire & Security Discount | -$82 | $662 |
| Hail Resistant Roof Discount | -$15 | $729 |
| Newly Constructed Home Discount | -$164 | $580 |
| 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 |
| Lincoln County | $1,000 | $734 | $1,734 | $534 | $1,534 | $201 |
| Lincoln County, NM | $700 | $734 | $1,434 | $534 | $1,234 | $201 |
| Capitan, NM | $500 | $931 | $1,431 | $676 | $1,176 | $254 |
| Nogal, NM | $1,000 | $991 | $1,991 | $720 | $1,720 | $271 |
| Corona, NM | $200 | $873 | $1,073 | $635 | $835 | $239 |
| Ruidoso, NM | $700 | $757 | $1,457 | $550 | $1,250 | $207 |
| Ruidoso Downs, NM | $500 | $782 | $1,282 | $568 | $1,068 | $214 |
| Carrizozo, NM | $2,500 | $700 | $3,200 | $508 | $3,008 | $191 |
| Hondo, NM | $400 | $835 | $1,235 | $607 | $1,007 | $228 |
| Mescalero, NM | $1,000 | $621 | $1,621 | $452 | $1,452 | $170 |
| Northwest Chaves, NM | $2,500 | $844 | $3,344 | $613 | $3,113 | $231 |
| Home Insurance Company Lincoln County, NM | Homeowners Insurance Agency Lincoln County, NM | Address | Popularity Score | Distance from Lincoln County (miles) |
|---|---|---|---|---|
| State Farm | Greg Carey | 510 Mechem Dr, Ruidoso, NM, 88345-6907 | 30.5 | |
| Travelers | Family Insurance Associates Inc | 456 A Mechem Dr, Ruidoso, NM, 88345 | 30.7 | |
| Liberty Mutual Independent | High Country Agency Inc | 706 Mechem Dr, Ruidoso, NM, 88345 | 30.1 | |
| Travelers | Family Insurance Associates Inc | 456 A Mechem, Ruidoso, NM, 88345 | 27.7 | |
| Travelers | Stroud National Agency Inc | 1098b Mechem Dr, Ruidoso, NM, 88345 | 29.1 | |
| Farmers | Glen Cheng Csp | 500 Mechem Dr Ste A, Ruidoso, NM, 88345 | 30.5 | |
| Allstate | High Country Agcy | 706 Mechem Dr, Ruidoso, NM, 88345 | 30.2 | |
| Liberty Mutual Independent | High Country Agency Inc | 706 Mechem Dr, Ruidoso, NM, 88345 | 30.2 |
| 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 | $1,240 | $640 |
| Lincoln County, NM | $171,900 | $743 | $510 | $1,030 | $520 |
| Lincoln County, NM | $171,900 | $743 | $540 | $1,030 | $490 |
| Capitan, NM | $203,700 | $942 | $680 | $1,290 | $610 |
| Nogal, NM | $237,500 | $1,003 | $680 | $1,420 | $740 |
| Corona, NM | $171,400 | $884 | $600 | $1,210 | $610 |
| Ruidoso, NM | $187,200 | $766 | $560 | $1,060 | $500 |
| Ruidoso Downs, NM | $124,500 | $791 | $540 | $1,100 | $560 |
| Carrizozo, NM | $88,800 | $708 | $490 | $1,010 | $520 |
| Hondo, NM | $151,100 | $845 | $570 | $1,200 | $630 |
| Mescalero, NM | $59,700 | $629 | $460 | $890 | $430 |
| Northwest Chaves, NM | $155,400 | $854 | $610 | $1,210 | $600 |