Gavop's guide to buying homeowners insurance in Ruidoso, 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.
| Ruidoso, NM - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Coyote Mesa, Delana Dr, Convair Dr, W Redwood Dr, Old Fort Stanton Rd, Co Rd E020, Flume Canyon Rd, Valencia Rd, Valley Meadow Ct, Santiago Cir | $151,000 | $130,000 | $150,000-$175,000 | $169,000 | $150,000 | $150,000-$175,000 |
| Stable, Whitney Dr, Half Circle Dr, Shadow Ln, Jasper Dr, el Centro, Snowflake Rd, S Loop Dr, Dover Pl, Upper Mon Jeau Dr | $265,500 | $250,000 | $200,000-$250,000 | $206,000 | $180,000 | $200,000-$250,000 |
| Picacho Rd, Pine Hill Ct, N Parnell Dr, Vail Trl, Nob Hill Dr, Mulligan Dr, North St, Squaw Valley Rd, Colorado Ln, James Pl | $259,500 | $240,000 | $200,000-$250,000 | $195,000 | $180,000 | $175,000-$200,000 |
| Aileen, Sandia Rd, Lucille Dr, K St, Homestead W, Mountain Breeze Dr, Violet Ave, Elk Run Rd, White Ct, Stub St | $208,000 | $180,000 | $175,000-$200,000 | $108,000 | $100,000 | $75,000-$100,000 |
| Keys Dr, Sandstone Pl, Rivers Edge Dr, Mountain View Rd, Chelsea Dr, Mountain Sun Trl, E Circle Dr, Blue Spruce, Spencer Rd, Embdy Rd | $192,000 | $170,000 | $200,000-$250,000 | $151,000 | $120,000 | $150,000-$175,000 |
| High St, Chiracahua Ln, Bridle Dr, Travois Trl, Carter Cir, Whitlock St, Short Dr, Shady Ln, Coker Ln, Falcon Dr | $200,000 | $160,000 | $200,000-$250,000 | $162,000 | $150,000 | $150,000-$175,000 |
| Ponderosa Ln, Sunny Ln, Oak Grove Pl, Country Club Dr, Morgan Dr, Hull Rd, Butch Cassidy Ct, Warwick Dr, Marti Gras, Lasso Ct | $143,500 | $120,000 | $125,000-$150,000 | $124,000 | $120,000 | $125,000-$150,000 |
| Sugar Bush, Gavilan Hills Rd, W Texas St, Woodland Dr, Co Rd 395, Diamond Dr, Lancashire Ln, Co Rd E019, el Camino Dr, Alhambra Dr | $148,500 | $120,000 | $125,000-$150,000 | $117,500 | $110,000 | $125,000-$150,000 |
| Rowan Rd, Parker Rd, Fred Canyon Way, Blazers Mill Rd, Riverview Dr, Sarah Ln, Barcus Rd, Eagle Ridge Rd, Racquet Dr, Virginia Canyon Dr | $144,000 | $120,000 | $150,000-$175,000 | $147,000 | $140,000 | $125,000-$150,000 |
| Aspen Rd, Winter Park, Don Maurcio Loop, Sudderth Dr, Whirlaway Dr, Big Bear Rd, Paso Monte Rd, Grapevine Ct, Legacy Ln, Moon Dance Rdg | $209,500 | $200,000 | $200,000-$250,000 | $192,500 | $170,000 | $200,000-$250,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$69 | $697 |
| Home and Two Car | -$123 | $644 |
| Home and Three Car | -$192 | $575 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,914 |
| Physical Damage | $2,368 |
| Hail Damage | $4,476 |
| Wind Damage | $6,433 |
| Expensive Claims | |
| Fire | $46,016 |
| Smoke | $16,386 |
| Home Insurance Company Ruidoso, NM | Homeowners Insurance Agency Ruidoso, NM | Address | Popularity Score | Distance from Ruidoso (miles) |
|---|---|---|---|---|
| Travelers | Charles Garland & Harris Agency | 3310 N White Sands Blvd, Alamogordo, NM, 88310 | 36.8 | |
| Travelers | Charles Garland & Harris Agency | 3310 N White Sands Blvd, Alamogordo, NM, 88310 | 36.8 | |
| Allstate | Maria G Pacheco | 820 Scenic Dr Ste D, Alamogordo, NM, 88310 | 37.6 | |
| Travelers | Shofner Lynch & Shulse Llc | 715 10th St, Alamogordo, NM, 88310 | 38.3 | |
| State Farm | Greg Carey | 510 Mechem Dr, Ruidoso, NM, 88345-6907 | 5.1 | |
| State Farm | Edd Gauldin | 2904 N Wht Snds Blvd, Alamogordo, NM, 88310-6124 | 37.1 | |
| Travelers | Ea-Usa Insurance Inc | 913 Delaware Ave, Alamogordo, NM, 88310 | 38.5 | |
| Travelers | Family Insurance Associates Inc | 456 A Mechem Dr, Ruidoso, NM, 88345 | 5.3 | |
| Liberty Mutual Independent | High Country Agency Inc | 706 Mechem Dr, Ruidoso, NM, 88345 | 5.1 | |
| Travelers | Family Insurance Associates Inc | 456 A Mechem, Ruidoso, NM, 88345 | 5.1 |
| 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 | $1,190 | $560 |
| Lincoln County, NM | $171,900 | $743 | $510 | $1,060 | $550 |
| Ruidoso, NM | $187,200 | $766 | $530 | $1,060 | $530 |
| Nogal, NM | $237,500 | $1,003 | $710 | $1,420 | $710 |
| Hondo, NM | $151,100 | $845 | $600 | $1,170 | $570 |
| Lincoln County, NM | $171,900 | $743 | $540 | $1,050 | $510 |
| Carrizozo, NM | $88,800 | $708 | $510 | $1,010 | $500 |
| Capitan, NM | $203,700 | $942 | $680 | $1,340 | $660 |
| High Rolls, NM | $205,000 | $944 | $670 | $1,330 | $660 |
| La Luz, NM | $74,600 | $671 | $480 | $920 | $440 |
| Southwest Chaves, NM | $69,300 | $656 | $450 | $920 | $470 |