How Can I Make My Albuquerque, NM Home Insurance Cheaper
Gavop's guide to buying homeowners insurance in Albuquerque, 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.
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Estimate Appropriate Albuquerque, NM Home Insurance Coverage Levels | Back to Top
| Albuquerque, 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 | |
| Delubina Dr, Las Animas Ave NE, Metzgar Rd SW, Cam Cometa NE, Monterey Bay Ct, Guzman Ave SW, McKnight Ave NE, Harpers Ferry Ct NW, McDonnell St SE, Mesa Camino Ave SW | $113,000 | $90,000 | $75,000-$100,000 | $70,000 | $60,000 | $75,000-$100,000 |
| Granite Ave NE, 16th St SW, Como Dr NW, Pinon Ct NW, Kevin Ct NW, Rock Springs Rd SW, Cam Alameda SW, San Gavilon St NE, Cabrillo Cir NW, Ave Vista Ventana NW | $191,500 | $170,000 | $175,000-$200,000 | $128,500 | $110,000 | $100,000-$125,000 |
| Barboa Rd SW, N 7071, Camino Real Ct NE, Los Lagos NE, Santa Maria Ave SW, Dee Dr NE, Whisper Pointe St SW, Still Brooke Ave NW, Anthony Ln SW, Stanford Dr NE | $198,500 | $190,000 | $200,000-$250,000 | $124,500 | $110,000 | $100,000-$125,000 |
| Kent Ave NW, Don Pedro NW, Hupmobile Dr NE, Banff Dr NE, Soria Ave Nm, Coyote Run Rd NE, Seaside Rd NW, Llano Ct NW, Casa Elena Dr NE, Pine Forest Pl NE | $246,000 | $220,000 | $175,000-$200,000 | $148,000 | $130,000 | $150,000-$175,000 |
| Yucca Pl NW, Rocky Rd SW, Northview Ln NW, Mazatlan Dr NE, San Rio Ct, Mirada Dr NW, Ocotillo Ct NE, Luminoso Dr NW, Blanford Rd SW, Vail Ave SE | $229,000 | $200,000 | $250,000-$300,000 | $102,500 | $90,000 | $100,000-$125,000 |
| Hackamore Ave SW, Fremont Pl NW, Ricardo Rd NW, 55th St, Mountain Park Pl NW, Ada Ct NE, Masini Ln NW, Brighton Dr NE, Sonata Dr NE, Dartmouth Dr SE | $106,000 | $100,000 | $75,000-$100,000 | $88,500 | $80,000 | $50,000-$75,000 |
| Eagle Ranch Rd NW, Nabor Rd NW, Riverwalk Dr NW, Don Gregorio Rd SW, Cactus Flower Dr NW, Tierra del Oso Pl NW, Eagle Nest Dr, Groundsel Rd NW, Rockrose Rd NE, Quentin Pl NE | $207,500 | $180,000 | $175,000-$200,000 | $158,500 | $140,000 | $150,000-$175,000 |
| Senac Pl NE, Sammy Ln SW, Fairchild Ave SE, la Casa Bonita NE, Brayton Rd NW, San Patricio Ave SW, Oahu Dr NE, Wexford Dr NW, Winema Ct SE, Weems Dr SW | $160,000 | $130,000 | $150,000-$175,000 | $179,500 | $170,000 | $200,000-$250,000 |
| Maple St NE, Palomino Dr NW, Versailles Ave NE, Los Tomases Dr NW, Quail Run Dr NE, Enchantment Ln, Chantilly Rd NW, Cloudcroft Dr NW, Richmond Dr NE, Arvilla Ave NE | $333,000 | $300,000 | $350,000-$400,000 | $227,000 | $190,000 | $200,000-$250,000 |
| Witcher Ave NE, Firman Ct NW, Palermo St NW, Libby Ave SW, Rancho Ladera Rd NE, Lee Pl NW, Palo Alto Dr NE, Cam Osito NE, Forest Hills Dr NE, Cedarwood Ave NW | $232,500 | $220,000 | $250,000-$300,000 | $179,000 | $150,000 | $200,000-$250,000 |
Estimate your Savings with Home Insurance Discounts in Albuquerque, NM | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$149 | $727 |
| Superior Protection Discount | -$88 | $788 |
| Fire & Security Discount | -$79 | $797 |
| Hail Resistant Roof Discount | -$18 | $858 |
| Newly Constructed Home Discount | -$175 | $700 |
Choose your Albuquerque, NM Home Insurance Coverage for your Specific Claim Requirement | Back to Top
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $7,088 |
| Hail Damage | $5,318 |
| Wind Damage | $9,515 |
| Expensive Claims | |
| Fire | $35,329 |
| Accidental Discharge/Leakage | $8,453 |
| Optional Coverage Losses | $8,485 |
Identify Top Home Insurance Agents near Albuquerque, NM | Back to Top
| Home Insurance Company Albuquerque, NM | Homeowners Insurance Agency Albuquerque, NM | Address | Popularity Score | Distance from Albuquerque (miles) |
|---|---|---|---|---|
| State Farm | Reggie Gallegos | 2308 Eubank Blvd Ne Ste B, Albuquerque, NM, 87112-1371 | 4.9 | |
| Farmers | Amy Slater | 100 San Felipe St Nw, Albuquerque, NM, 87104 | 3.4 | |
| Allstate | Krista L. Sanchez | 3300 San Mateo Blvd Ne Ste E, Albuquerque, NM, 87110 | 3.1 | |
| Allstate | Larry Gaylord | 3296 Coors Blvd Nw Ste D, Albuquerque, NM, 87120 | 5.8 | |
| Allstate | Val Muldez | 2300 Candelaria Rd Ne Ste 108, Albuquerque, NM, 87107 | 2.5 | |
| State Farm | Stephanie Valdez | 5921 Lomas Blvd Ne Suite A, Albuquerque, NM, 87110-6565 | 1.9 | |
| State Farm | Paul Whitson | 8300 Carmel Ave Ne Ste 502, Albuquerque, NM, 87122-3125 | 7.4 | |
| Farmers | Teresa Allen | 520 Chama St Ne, Albuquerque, NM, 87108 | 2.6 | |
| State Farm | Ron Pino | 4250 Coors Blvd Sw Ste A, Albuquerque, NM, 87121-5500 | 7.4 | |
| Farmers | James Lucero | 2015 Wyoming Blvd Ne Ste D, Albuquerque, NM, 87112 | 3.8 |
Compare Rates for Albuquerque, NM Home Insurance Providers | Back to Top
| 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 | $1,240 | $610 |
| Bernalillo County, NM | $189,700 | $880 | $640 | $1,210 | $570 |
| Albuquerque, NM | $187,000 | $876 | $620 | $1,210 | $590 |
| Los Ranchos de Albuquerque, NM | $350,900 | $897 | $650 | $1,270 | $620 |
| Paradise Hills, NM | $185,200 | $909 | $650 | $1,250 | $600 |
| Corrales, NM | $442,500 | $1,012 | $730 | $1,430 | $700 |
| Sandia Park, NM | $250,000 | $1,026 | $700 | $1,460 | $760 |
| West Bernalillo, NM | $231,100 | $991 | $710 | $1,370 | $660 |
| Los Chaves, NM | $153,400 | $850 | $600 | $1,200 | $600 |
| Casa Colorada, NM | $128,100 | $799 | $570 | $1,130 | $560 |
| Cochiti Lake, NM | $155,900 | $855 | $610 | $1,170 | $560 |
| Jemez-Zia, NM | $169,900 | $881 | $640 | $1,240 | $600 |
Research Home Insurance Companies Reviews in Albuquerque, NM Before Buying | Back to Top
Share a review on your home insurance company
Farm Bureau Home Insurance Reviews
Date: March 27, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Premium
When I was shopping for insurance, I purposefully used the same deductible number to get an apples-to-apples comparison. So the deductible is not different for Farm Bureau.
Date: November 22, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Customer Service
My insurance company's customer service has been good. They helped me quickly on the few instances that I needed them to.
Date: September 22, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Website/App
I like the company website because I can see what my coverage is when the payment is due and make minor changes. I believe I can also report damage using the app but I have never tried so I'm not sure.
Date: September 01, 2018 Age: 50 to 59 Gender: Male Marital Status: Married
Communication
I have always had good communication with my insurance company. I can't remember ever having a problem with them since I joined almost 15 years ago.
Date: August 11, 2018 Age: 50 to 59 Gender: Male Marital Status: Married
Customer Service
I have always had good experiences with customer service through Farm Bureau. I can't say that I have ever had a problem with them.
Date: August 04, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Premium
I believe my premium is smaller than equal coverage from another insurance company. I get decent discounts because I live on a farm and have multiple policies.
Date: August 03, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Policy Offerings
My home is covered at full value plus I have content and outbuilding coverage. They will pay a specific amount for the hotel stay if the house became unlivable as well.
Progressive Home Insurance Reviews
Date: December 20, 2019 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Policy Offerings
Progressive is by far the cheapest insurance I have purchased. Progressive provides great insurance for a great price. I am offered more coverage for less money.
Date: October 04, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Website/App
I like the Progressive website's ease of use. Their mobile app is very easy to use as well. I have yet to need to make a claim on our policy, but I could imagine that if it were necessary for the future, I would not run into any problems on either the website or mobile app.
Date: August 15, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Customer Service
We have never had any bad experiences with the customer service at Progressive. Whenever we had claims on our auto policies, they were very responsive; I can imagine that we would have the same experience if there were a claim on our home policy.
Date: August 04, 2018 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Policy Offerings
My insurance covers damage in the home, as well as to the fence in the backyard and our tool shed.
Date: August 03, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Communication
For the most part, we have almost no interaction with the company, which is not necessarily a bad thing. Excessive communication would be a bad thing, in my opinion.
Date: December 29, 2017 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Premium
I might be able to pay less for the same coverage elsewhere, but Progressive has always been great for me with our other policies, such as auto.
Allstate Home Insurance Reviews
Date: January 15, 2020 Age: 30 to 39 Gender: Male Marital Status: Married
Premium
ALL STATE POLICIES ARE GREAT AS FAR AS WHEN YOU FILE A CLAIM THEY RESPOND IN A TIMELY FASHION BUT, THE PREMIUMS AND DEDUCTIBLES ARE HIGHER THAN MOST OTHER COMPANIES THAT I HAVE RESEARCHED
Date: January 15, 2020 Age: 30 to 39 Gender: Male Marital Status: Married
Policy Offerings
I have not had extensive knowledge in deeply comparing several insurances with mine. I used an aggregate website to compare.
Date: September 08, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Policy Offerings
I am very satisfied with Allstate's offerings. You can bundle home and auto and save a lot of money. I would rate them a 5 for their offerings and the convenience of being able to have all your policies in one place
Date: February 12, 2019 Age: 20 to 29 Gender: Female Marital Status: Married
Premium
The premium is cheaper than my last policy and others I shopped, and the deductible is the same. This means apples to apples they are the best in my opinion.
Date: December 31, 2018 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Customer Service
im satisfied with my insurance. They tend to call me a few times a year to make sure everything is going well and if i need anything that they can help with.
American Strategic Insurance Home Insurance Reviews
Date: September 21, 2018 Age: 50 to 59 Gender: Female Marital Status: Married
Website/App
I like that it is very practical and easy to use. It gives us the opportunity to customers to be closer to the company and its services, through the application
Date: August 06, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Communication
I feel that in terms of interaction with clients, they really stand out. They care about always being in contact and they do it in a very polite and pleasant way
Date: July 31, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Premium
I feel that the service provided by this company is better than the others, because responsibility is something that identifies them, and address problems quickly
Date: May 26, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Customer Service
I like everything, they are very attentive and efficient, they really care about providing good service and serving their customers correctly
Date: January 05, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Policy Offerings
covers any type of problem or incident that may occur in the home They are responsible for repairing any damage from a pipeline to a wall
GEICO Home Insurance Reviews
Date: January 01, 2020 Age: 50 to 59 Gender: Female Marital Status: Married
Customer Service
I am happy with the GEICO insurance. The customer service is very helpful, when I call them they response me very polity.
Date: December 28, 2018 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Customer Service
great insurance policy mixed with car insurance, best priced for south Florida and the call lines are very helpful. 4 star
Date: November 30, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Policy Offerings
the insurance provides up to 100000 dollars compensation in case anything happens which I think is very competetive with other home insurance companies.
State Farm Home Insurance Reviews
Date: December 11, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Premium
My premium is lower than the other companies I tried including some higher coverage's for cheaper or the same price.
Farmer's Insurance Home Insurance Reviews
Date: July 07, 2019 Age: 20 to 29 Gender: Unmarried Marital Status: Female
Customer Service
I have only used the Farmer's Insurance Customer Service one time and would have to give their Telephone Customer Service a 5 however, their Email Customer Services is a 2.