Gavop's guide to buying homeowners insurance in Eddy 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 | $49,500 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $137,500 | $110,000 | $125,000-$150,000 |
| 3 Bedroom | $149,500 | $120,000 | $150,000-$175,000 |
| 4 Bedroom | $258,500 | $240,000 | $200,000-$250,000 |
| 5 Bedroom | $271,000 | $220,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$121 | $684 |
| Superior Protection Discount | -$72 | $733 |
| Fire & Security Discount | -$64 | $741 |
| Hail Resistant Roof Discount | -$16 | $789 |
| Newly Constructed Home Discount | -$161 | $644 |
| 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 |
| Eddy County | $2,000 | $795 | $2,795 | $578 | $2,578 | $217 |
| Eddy County, NM | $1,000 | $795 | $1,795 | $578 | $1,578 | $217 |
| Livingston Wheeler, NM | $300 | $676 | $976 | $491 | $791 | $185 |
| Loco Hills, NM | $100 | $847 | $947 | $615 | $715 | $231 |
| Artesia, NM | $1,000 | $720 | $1,720 | $523 | $1,523 | $197 |
| Lake Arthur, NM | $2,500 | $630 | $3,130 | $458 | $2,958 | $172 |
| Hagerman, NM | $500 | $682 | $1,182 | $495 | $995 | $186 |
| Dexter, NM | $1,500 | $737 | $2,237 | $536 | $2,036 | $201 |
| Home Insurance Company Eddy County, NM | Homeowners Insurance Agency Eddy County, NM | Address | Popularity Score | Distance from Eddy County (miles) |
|---|---|---|---|---|
| Travelers | George Gandy Insurance Llc | 916 S 13th St, Artesia, NM, 88210 | 26.5 | |
| Travelers | George Gandy Insurance Llc | 916 South 13th Street, Artesia, NM, 88210 | 26.5 | |
| State Farm | Claudia Phillips | 134 N Canyon St, Carlsbad, NM, 88220-5717 | 5.3 | |
| Travelers | Dunagan Associates | 212 W Stevens St, Carlsbad, NM, 88220 | 5.2 | |
| Liberty Mutual Independent | J S Ward & Son Inc | 101 4th St S, Artesia, NM, 88210 | 27.0 | |
| State Farm | Sondie Stockton | 604 W Main St, Artesia, NM, 88210-2070 | 27.1 | |
| Farmers | Ronnie Jackson | 518 W Main St, Artesia, NM, 88210 | 27.1 | |
| State Farm | Bonnie Ornelas | 1002 W Pierce St Ste B, Carlsbad, NM, 88220-4036 | 4.3 | |
| State Farm | Tom Mcmullan | 701 N Canal St, Carlsbad, NM, 88220-5876 | 5.0 | |
| Farmers | Gayla Cowart | 409 N Canyon St, Carlsbad, NM, 88220 | 5.2 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| New Mexico | $163,900 | $870 | $620 | $1,200 | $580 |
| Eddy County, NM | $143,100 | $805 | $590 | $1,140 | $550 |
| Eddy County, NM | $143,100 | $805 | $580 | $1,100 | $520 |
| Livingston Wheeler, NM | $79,600 | $684 | $460 | $940 | $480 |
| Loco Hills, NM | $157,300 | $857 | $590 | $1,180 | $590 |
| Artesia, NM | $162,500 | $728 | $500 | $1,040 | $540 |
| Lake Arthur, NM | $63,000 | $638 | $440 | $870 | $430 |
| Hagerman, NM | $81,600 | $690 | $490 | $990 | $500 |
| Dexter, NM | $104,400 | $746 | $500 | $1,060 | $560 |