Gavop's guide to buying homeowners insurance in San Miguel 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.
| San Miguel County, 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 | |
| N Main St, Cll Largo, Silt Rd, Cam de la Luz, Cam Ojo Sarco, Bridge St, Yucca St, Deacon Ln, Marazul Rd, Abbie's Rd | $197,000 | $170,000 | $150,000-$175,000 | $131,500 | $110,000 | $100,000-$125,000 |
| Hidden Pl, Magnolia, Dusty Rd, Bullhead Ave, Cerro Grande, Juniper Ln, Royal Oak Ranch Rd, Old Hwy 85, Cr A16E, State Hwy 85 S | $178,500 | $160,000 | $150,000-$175,000 | $107,500 | $90,000 | $100,000-$125,000 |
| Cam Alicia Carolina, Tres Lagunas Rd, US Hwy 84, Badger Pass, Tinker Rd, Mounce Rd, Mora Ave, Ilfeld Frontage Rd, 5th St, Hermosa Ave | $245,500 | $230,000 | $200,000-$250,000 | $116,500 | $110,000 | $100,000-$125,000 |
| I- 25, Anchor Dr, Ave B, National Ave, Lazy Dog Rd, E Columbia St, Montezuma Ave, Plata Dr, Co Rd A4B, State Hwy 3 | $124,500 | $100,000 | $125,000-$150,000 | $103,500 | $90,000 | $75,000-$100,000 |
| Cove Rd, Arriba Rd, Urioste Dr, Old Denver Hwy, E Baca Ave, E National Ave, Blanchard St, Boating Cir, Martinez Ranch Rd, Cedar Rd | $140,500 | $130,000 | $125,000-$150,000 | $139,500 | $110,000 | $150,000-$175,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$122 | $557 |
| Superior Protection Discount | -$61 | $618 |
| Fire & Security Discount | -$54 | $625 |
| Hail Resistant Roof Discount | -$20 | $659 |
| Newly Constructed Home Discount | -$197 | $482 |
| 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 |
| San Miguel County | $2,500 | $671 | $3,171 | $488 | $2,988 | $183 |
| San Miguel County, NM | $1,500 | $671 | $2,171 | $488 | $1,988 | $183 |
| Llano del Medio, NM | $500 | $606 | $1,106 | $440 | $940 | $166 |
| Mora County, NM | $2,000 | $696 | $2,696 | $505 | $2,505 | $190 |
| Santa Rosa, NM | $100 | $701 | $801 | $510 | $610 | $192 |
| Villanueva, NM | $400 | $683 | $1,083 | $496 | $896 | $187 |
| Rowe, NM | $100 | $849 | $949 | $617 | $717 | $232 |
| Mora, NM | $1,000 | $756 | $1,756 | $549 | $1,549 | $207 |
| Home Insurance Company San Miguel County, NM | Homeowners Insurance Agency San Miguel County, NM | Address | Popularity Score | Distance from San Miguel County (miles) |
|---|---|---|---|---|
| Travelers | The Trujillo Agency | 807 Grand Avenue, Las Vegas, NM, 87701 | 24.6 | |
| Travelers | The Trujillo Agency | 807 Grand Ave Po Box 340, Las Vegas, NM, 87701 | 24.8 | |
| State Farm | Rosemarie Montoya | 624 University Ave Ste 200, Las Vegas, NM, 87701-4252 | 24.7 | |
| Farmers | Mellisa Madrid | 141 S 6th St, Santa Rosa, NM, 88435 | 37.4 | |
| Allstate | Ins Srvcs Of Nm Inc | 440 Corona Ave, Santa Rosa, NM, 88435 | 37.5 | |
| Allstate | Hub Ins Svcs | 611 National Ave, Las Vegas, NM, 87701 | 24.7 | |
| Travelers | Insurance Services Of New Mexico Inc | 631 N 4th St Fort Sumner, Santa Rosa, NM, 88119 | 37.5 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| New Mexico | $163,900 | $870 | $590 | $1,200 | $610 |
| San Miguel County, NM | $132,900 | $680 | $490 | $960 | $470 |
| San Miguel County, NM | $132,900 | $680 | $460 | $940 | $480 |
| Llano del Medio, NM | $54,400 | $613 | $440 | $850 | $410 |
| Mora County, NM | $109,100 | $704 | $500 | $960 | $460 |
| Santa Rosa, NM | $89,400 | $710 | $480 | $1,020 | $540 |
| Villanueva, NM | $82,000 | $691 | $500 | $960 | $460 |
| Rowe, NM | $158,000 | $859 | $580 | $1,220 | $640 |
| Mora, NM | $112,600 | $765 | $520 | $1,050 | $530 |