Gavop's guide to buying homeowners insurance in Valencia 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 | $49,000 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $113,000 | $100,000 | $100,000-$125,000 |
| 3 Bedroom | $114,500 | $100,000 | $125,000-$150,000 |
| 4 Bedroom | $210,500 | $190,000 | $200,000-$250,000 |
| 5 Bedroom | $265,500 | $220,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$141 | $643 |
| Superior Protection Discount | -$71 | $714 |
| Fire & Security Discount | -$78 | $706 |
| Hail Resistant Roof Discount | -$16 | $769 |
| Newly Constructed Home Discount | -$173 | $612 |
| 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 |
| Valencia County | $1,000 | $775 | $1,775 | $563 | $1,563 | $212 |
| Valencia County, NM | $2,000 | $775 | $2,775 | $563 | $2,563 | $212 |
| El Cerro Mission, NM | $500 | $661 | $1,161 | $480 | $980 | $181 |
| Albuquerque, NM | $2,000 | $865 | $2,865 | $629 | $2,629 | $236 |
| Carnuel, NM | $200 | $915 | $1,115 | $665 | $865 | $250 |
| Cedro, NM | $1,000 | $984 | $1,984 | $715 | $1,715 | $269 |
| Laguna, NM | $500 | $690 | $1,190 | $501 | $1,001 | $188 |
| Corrales, NM | $1,000 | $999 | $1,999 | $726 | $1,726 | $273 |
| Pueblo of Sandia Village, NM | $200 | $757 | $957 | $550 | $750 | $207 |
| Indian Hills, NM | $2,000 | $839 | $2,839 | $610 | $2,610 | $229 |
| Home Insurance Company Valencia County, NM | Homeowners Insurance Agency Valencia County, NM | Address | Popularity Score | Distance from Valencia County (miles) |
|---|---|---|---|---|
| Travelers | Blue Star Insurance | 424 Becker Ave, Belen, NM, 87002 | 4.4 | |
| State Farm | Marty Saiz | 1029 Montano Rd Nw, Albuquerque, NM, 87107-5234 | 30.5 | |
| Travelers | Blue Star Insurance | 424 Becker Ave, Belen, NM, 87002 | 4.4 | |
| Allstate | Krista L. Sanchez | 3300 San Mateo Blvd Ne Ste E, Albuquerque, NM, 87110 | 30.5 | |
| Farmers | Herman Sanchez | 2929 Coors Blvd Nw Ste 201, Albuquerque, NM, 87120 | 28.2 | |
| State Farm | Bob Strilich | 6751 Academy Rd Ne Ste A, Albuquerque, NM, 87109-3376 | 32.5 | |
| Allstate | Chip Smith | 8101 San Pedro Dr Ne Ste C, Albuquerque, NM, 87113 | 34.2 | |
| Farmers | Antoinette Baca | 4619 Greene St Nw Ste B, Albuquerque, NM, 87114 | 33.9 | |
| Farmers | Lien Dao | 8014 Menaul Blvd Ne, Albuquerque, NM, 87110 | 30.6 | |
| State Farm | Paul Maestas | 111 Coors Blvd Nw Ste C7, Albuquerque, NM, 87121-2008 | 25.7 |
| 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 | $1,190 | $610 |
| Valencia County, NM | $133,100 | $785 | $530 | $1,110 | $580 |
| Valencia County, NM | $133,100 | $785 | $570 | $1,080 | $510 |
| El Cerro Mission, NM | $74,000 | $669 | $450 | $960 | $510 |
| Albuquerque, NM | $187,000 | $876 | $620 | $1,200 | $580 |
| Carnuel, NM | $194,900 | $926 | $630 | $1,280 | $650 |
| Cedro, NM | $233,700 | $996 | $670 | $1,380 | $710 |
| Laguna, NM | $84,700 | $698 | $480 | $980 | $500 |
| Corrales, NM | $442,500 | $1,012 | $720 | $1,430 | $710 |
| Pueblo of Sandia Village, NM | $113,200 | $766 | $510 | $1,050 | $540 |
| Indian Hills, NM | $153,000 | $849 | $590 | $1,170 | $580 |