Expertise.com Homepage

2024

Last updated:

Best Homeowners Insurance Agencies in Albuquerque, NM

Our Recommended Top 15

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Albuquerque Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

310Reviewed

192Curated

15Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

9400 Holly Ave Building #4, Albuquerque, NM 87122

Expertise.com Rating

Review Sources

Facebook
5.0 (5)

Why choose this provider?

Roberts & Associates is a local insurance brokerage firm operated by a father-and-daughter team. It has been serving clients in Albuquerque and the surrounding communities since 1990. It customizes homeowners' insurance solutions that cover property damage and personal liabilities. It also provides personal umbrella, auto, life, and health insurance options. The company’s group packages include dental and vision benefits, as well as short-term and long-term disability insurance. Its team has over five decades of combined experience in the insurance industry.

  • Renter's Insurance

11000 Spain Road NE, Building E, Albuquerque, NM 87111

Expertise.com Rating

Review Sources

Google
5.0 (22)

Why choose this provider?

Panagopoulos Insurance Agency is an independently owned firm serving clients' personal needs in the Albuquerque metro and the surrounding areas. The firm provides homeowner's insurance plans tailored to clients' coverage needs such as personal liability, additional living expenses, and medical coverage. Its team of insurance specialists conducts initial consultation and assessment services and finds suitable plans from carriers like Progressive and Safeco. Panagopoulos Insurance Agency is a member of the IIANM.

  • Renter's Insurance
  • Personal Property Insurance

1905 San Mateo Blvd NE, Albuquerque, NM 87110

Expertise.com Rating

Review Sources

Google
4.4 (86)
Facebook
5.0 (31)
Yelp
5.0 (1)

Why choose this provider?

Sunset Insurance is an independent agency that provides risk management solutions to clients in Albuquerque. Its homeowners' insurance plans protect policyholders from financial loss when replacing personal property damaged by natural disasters. They also offer a defense against lawsuits from guests injured in the covered property. The agency also writes policies that cover automobiles, recreational vehicles, and businesses. It also offers professional employer organization and administration services. CEO and co-founder Barry Herrero brings more than 20 years of experience in the financial industry.

  • Renter's Insurance
  • Condos

4333 Pan American Frwy Ne, Suite A, Albuquerque, NM 87107

Expertise.com Rating

Review Sources

Google
4.7 (19)

Why choose this provider?

For over eight decades, Berger Briggs Insurance & Risk Solutions, Inc., has been been helping protect homes in Albuquerque and select Texas metros. The independent insurance agency carries multiple indemnity products, including basic home insurance that provides compensation for damaged dwellings, personal belongings, house guest's injury, and additional living expenses after a temporary displacement. Its portfolio of insurance policies—from insurers like Nationwide, Amerind, and Banner Life—also covers automobiles, businesses, bonds, farms, and employee benefits.

  • Renter's Insurance

501 Wyoming NE, Albuquerque, NM 87123

Expertise.com Rating

Review Sources

Google
4.4 (12)

Why choose this provider?

Insurance Unlimited Incorporated is an Albuquerque-based agency that caters to homeowners in and around the city. It compares annual rates and coverage options of home insurance plans from over 20 different companies. The agency examines the client's house to determine key disaster risks and natural threats. These housing options include coastal homes, forest abodes, and residences in crime-heavy areas. Insurance Unlimited Incorporated also educates first-time clients about medical liability and reimbursement of possessions. Its other policy plans include auto and motorcycle insurance.

  • Renter's Insurance
  • Personal Property Insurance

5601 Office Blvd, NE Ste 400, Albuquerque, NM 87109

Expertise.com Rating

Review Sources

Google
3.3 (7)
Facebook
5.0 (6)

Why choose this provider?

WaFd Insurance Group is an agency that caters to clients in Albuquerque and the surrounding areas. It offers homeowners' insurance policies from a selection of represented carriers. It provides other personal and family insurance options, such as condo and renters' and automobiles, motorcycles, boats, RVs, and ATVs. Umbrella, business, and life insurance products are also available. The company has been in the insurance industry since 1967. The Insurance Business America publication has recognized WaFd Insurance Group as one of America's Best Insurance Workplaces.

  • Renter's Insurance

5501 Eagle Rock Ave NE Suite A2, Albuquerque, NM 87113
WebsiteLicense: 1800006278

Expertise.com Rating

Review Sources

Facebook
4.5 (5)
Yelp
1.0 (1)

Why choose this provider?

Jackson Insurance Solutions is an independent agency serving Albuquerque and the surrounding areas. It provides homeowners' insurance policies that cover interior and exterior property damage, loss, or damage to personal belongings and liability claims from someone injured in the residence. Its team of professionals represents a wide range of insurance carriers to offer customizable solutions, including MetLife, CNA Surety, and The Homeowners Catastrophe Insurance Trust. The agency also presents insurance coverage options for renters, rental properties, and mobile homes.

  • Renter's Insurance
  • Fire
  • Flood

5101 Coors Blvd NW Suite D, Albuquerque, NM 87120

Expertise.com Rating

Review Sources

Google
4.4 (8)
Yelp
1.0 (1)

Why choose this provider?

The independent insurance firm Cohn Agency Co Inc. has provided the communities in Alburquerque with homeowners' insurance since 1986. Some of the coverage options that the insurance includes are dwelling coverage, personal liability coverage, medical coverage, additional living expenses, and personal property coverage. The agency represents various insurance providers including Dairyland Insurance Co., Foremost, Progressive, and Safeco Insurance Co. of America. It also offers insurance policies for automobiles, commercial properties, workers' compensation, general liability, and life.

  • Renter's Insurance
  • Flood
  • Earthquake

2828 Carlisle Blvd NE F, Albuquerque, NM 87110

Expertise.com Rating

Review Sources

Google
4.4 (93)
Facebook
3.7 (3)
Yelp
1.0 (2)

Why choose this provider?

Albuquerque Insurance World, Inc., is a homeowner's insurance agency in Albuquerque. Its agents have been in the industry for two decades and are experienced in searching for competitive rates for their clients. They coordinate with over 15 major insurance providers to keep track of policies that best suit each individual or family's financial situation. The company also refrains from giving out personal information during its searches, helping ensure that its clients' transactions remain secure.

  • Multiple Policy Types
  • Multiple Carriers
  • Personal Property Insurance

Albuquerque, NM

Expertise.com Rating

Review Sources

Google
4.2 (6)

Why choose this provider?

Brian Sanchez Insurance Company provides its services to the Albuquerque metro and the surrounding areas. It offers homeowners' insurance products covering clients' repair and replacement expenses if their homes become damaged by hail, storms, lightning, fire, vandalism, and theft. It also serves clients who want to combine their homeowners' insurance with auto or boat insurance policies. The company is also available to help individuals apply for life insurance plans to protect their families' future finances and lifestyles.

  • Personal Property Insurance

6211 4th St NW Suite 16, Albuquerque, NM 87107

Expertise.com Rating

Review Sources

Google
4.4 (33)
Yelp
5.0 (1)

Why choose this provider?

Advanced American Insurance Inc. provides risk management services in Albuquerque and nearby locations. It furnishes a wide selection of personal protection plans, which include homeowners' insurance. The independent agency writes customized coverages for clients' investment properties and personal belongings like furniture, electronics, and entertainment systems. Its specialists also process renters', auto, and motorcycle insurance. They work with multiple carriers, such as Progressive, Kemper, and Travelers. Advanced American Insurance has been in operation for three decades.

  • Renter's Insurance

1429 Carlisle Blvd NE, Albuquerque, NM 87110

Expertise.com Rating

Review Sources

Google
4.6 (57)
Facebook
5.0 (7)
Yelp
5.0 (6)

Why choose this provider?

Associated Insurance Professionals is a team of agents located in Albuquerque. The company offers different insurance policies including home insurance. Its professionals provide coverage for various kinds of residential properties including new homes, mobile homes, motor homes, mountain homes, ranches estates, and seasonal properties. The agency also insures apartments, duplexes, and triplexes. Furthermore, it assists renters in protecting their personal property through insurance policies. Aside from home insurance, the agency offers business insurance plans.

  • Personal Property Insurance
  • Multiple Policy Types

3507 Wyoming Blvd NE B, Albuquerque, NM 87111

Expertise.com Rating

Review Sources

Google
4.8 (23)
Facebook
4.2 (5)

Why choose this provider?

Phil Pettit has been a State Farm insurance agent since 1999. His Albuquerque office has been providing automobile, homeowners', renters', life, and business insurance policies. The homeowners' insurance covers the repair and replacement of items within or attached to the home or the property. It protects valuable items like jewelry, gadgets like cameras, appliances, clothes, and more. It also covers the property from threats and perils like hail, fire damage, theft, and vandalism.

  • Personal Property Insurance
  • Multiple Policy Types

6821 Montgomery Blvd NE, Albuquerque, NM 87109

Expertise.com Rating

Review Sources

Facebook
4.4 (34)
Google
4.3 (21)
Yelp
1.0 (3)

Why choose this provider?

George Gandy Insurance is an independent agency that serves clients in Albuquerque and the surrounding areas. It offers renters' and homeowners' insurance coverage from a variety of represented carriers. Its renters' insurance provides financial reimbursement of possessions in case of unforeseen events, such as fire, vandalism, and theft. Insurance policies for mobile homes, boats, and motorcycles are also available. The company has been serving the community since 1990. George Gandy, the founder, has over 55 years of experience in the insurance industry.

  • Renter's Insurance

2431 San Pedro NE, Albuquerque, NM 87110

Expertise.com Rating

Review Sources

Facebook
5.0 (11)
Google
5.0 (9)

Why choose this provider?

Sunderland Insurance has been catering to clients in the Albuquerque area since 1949. Its homeowner's insurance provides compensation for damage caused by flooding, storms, or fires. The policy also covers stolen personal items and people who were injured inside the residence. In addition, the firm offers auto insurance that pays out for vehicle repairs and medical bills of injured occupants. Sunderland Insurance was founded by Archie and Jean Sunderland and is now managed by their grandchildren Natalie and Phillip.

  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Roberts & Associates
9400 Holly Ave Building #4, Albuquerque, NM 87122
Panagopoulos Insurance Agency
11000 Spain Road NE, Building E, Albuquerque, NM 87111
Sunset Insurance
1905 San Mateo Blvd NE, Albuquerque, NM 87110
Berger Briggs Insurance & Risk Solutions, Inc.
4333 Pan American Frwy Ne, Suite A, Albuquerque, NM 87107
Insurance Unlimited Incorporated
501 Wyoming NE, Albuquerque, NM 87123
WaFd Insurance Group
5601 Office Blvd, NE Ste 400, Albuquerque, NM 87109
Jackson Insurance Solutions
5501 Eagle Rock Ave NE Suite A2, Albuquerque, NM 87113
Cohn Agency Co. Inc.
5101 Coors Blvd NW Suite D, Albuquerque, NM 87120
Albuquerque Insurance World, Inc.
2828 Carlisle Blvd NE F, Albuquerque, NM 87110
Brian Sanchez Insurance Company
Albuquerque, NM
Advanced American Insurance Inc
6211 4th St NW Suite 16, Albuquerque, NM 87107
Associated Insurance Professionals
1429 Carlisle Blvd NE, Albuquerque, NM 87110
Phil Pettit - State Farm Insurance Agent
3507 Wyoming Blvd NE B, Albuquerque, NM 87111
George Gandy Insurance
6821 Montgomery Blvd NE, Albuquerque, NM 87109
Sunderland Insurance
2431 San Pedro NE, Albuquerque, NM 87110

FAQs

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • When should one get a homeowners insurance in Albuquerque?

    It is recommended that homebuyers in Albuquerque obtain homeowners insurance between 30 and 60 days prior to the start of the real estate closing process. This period allows you to consider your policy options and ask any pertinent questions. This will prevent you from delaying important home insurance decisions.

  • Is a property buyer's credit score important when applying for homeowners insurance in Albuquerque?

    Yes, homeowners insurance agencies in Albuquerque take a buyer's credit score into consideration when reviewing their policy applications. However, this is not the only criterion used to approve or deny homeowners insurance applications. The Personal Insurance Credit Information Act of New Mexico prohibits insurers from canceling, denying, or failing to renew homeowners insurance based solely on a policyholder's credit information.

  • Do home insurance policies in Albuquerque cover wildfires?

    Homeowners insurance companies in Albuquerque do not cover damages caused by wildfires. This is due to New Mexico's susceptibility to wildfires, especially during hot and dry periods. In the next three decades, approximately 86% of the state's properties are at risk of being affected by wildfires, according to research.

  • When is water damage covered by Albuquerque homeowners' insurance and when is it not?

    Most homeowners insurance agencies and companies in Albuquerque cover water damage caused by a roof leak or a broken pipe. Nevertheless, water damage caused by flooding, rain runoff, groundwater, or melted snow is typically not covered by a standard homeowner's insurance policy. This is due to the frequency of flooding, including flash flooding, in New Mexico.

  • How can Albuquerque property buyers lower their home insurance premiums?

    Property buyers in Albuquerque can take a number of steps to reduce their home insurance costs. One option is to buy a house that is mostly made of bricks because they are less expensive to insure than frame houses. They can also buy new homes rather than older ones, which usually do not qualify for discounts. Before covering older properties, many homeowners insurance agencies or companies require them to have updated wiring, roofing, and plumbing. Another suggestion is to choose a policy with a higher deductible, as this usually results in lower premiums.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

Related Articles

FeaturedState Farm home insurance reviews

State Farm Home Insurance Review 2024

Expertise ranks State Farm as the fifth-best homeowners insurance based on its affordable coverage and customizable policies....

FeaturedHomeowners insurance featured image

7 Best Homeowners Insurance Companies of 2024

Expertise analyzed the top home insurance providers in the country and found that Amica is the best insurer overall.