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2024

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Best Homeowners Insurance Agencies in Las Cruces, NM

Our Recommended Top 5

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Las Cruces 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.

60Reviewed

38Curated

5Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

545 South Melendres Street, Las Cruces, NM 88005

Expertise.com Rating

Review Sources

Google
4.2 (6)

Why choose this provider?

Mesilla Valley Insurance Group is based in Las Cruces. It is an independent insurance agency that works with multiple insurance companies to provide customers with policies most suited to their specific needs. The agency offers home insurance at different levels, covering all risks or only specific incidents and losses indicated. Mesilla Valley Insurance Group also offers condo and renters' insurance. In addition to homeowners' insurance, the agency also helps customers with auto or commercial and business insurance.

  • Renter's Insurance
  • Multiple Policy Types
  • Condos

1591 East Lohman Avenue, Las Cruces, NM 88001

Expertise.com Rating

Review Sources

Google
4.1 (63)

Why choose this provider?

Bernal Insurance Group is an independent insurance agency in Las Cruces that offers insurance policies to clients in the metro. The company offers insurance plans that help homeowners protect their properties and personal belongings from risks, natural hazards, and damages. It also covers expenses in the event of an accident experienced by a guest within the property. Bernal Insurance Group also offers policies that cover loss of use in the duration of home restoration or repair.

  • Personal Property Insurance
  • Multiple Policy Types

1121 Mall Drive, Las Cruces, NM 88011

Expertise.com Rating

Review Sources

Google
4.9 (167)
Facebook
5.0 (35)

Why choose this provider?

Grindell & Romero Insurance provides insurance options to homeowners in Las Cruces and the neighboring areas. Its homeowners' insurance policies protect clients from financial losses in the unfortunate event of a disaster by covering repair and rebuild expenses for the clients' home, detached structures such as garages and sheds, personal property, and living expenses. The agency is a locally-owned and operated company that has been in the insurance industry since 1888.

  • Multiple Carriers
  • Multiple Policy Types
  • Personal Property Insurance

250 West Amador Avenue, Las Cruces, NM 88005

Expertise.com Rating

Review Sources

Google
5.0 (2)
Facebook
5.0 (2)
Yelp
5.0 (2)

Why choose this provider?

Darin Manes is an agent at Farmers Insurance who has been handling insurance concerns in Las Cruces since 2015. Darin helps clients protect their homes and assets with proper homeowners' insurance coverage. Home insurance does not only protect homes from sudden accidents and natural disasters, but it also safeguards clients from being financially responsible for causing injuries to others regardless of where it happened. The houses' contents are also replaced when destroyed by a covered event.

  • Multiple Policy Types

156 Wyatt Drive, Las Cruces, NM 88005

Expertise.com Rating

Review Sources

Google
4.7 (31)

Why choose this provider?

McGonigle Insurance provides insurance options to residents and business property owners in Las Cruces and the surrounding communities. Its agents offer home insurance policies with financial protection against weather and natural disasters. The policies also cover legal responsibility due to accidents involving the clients, their families, and other people on the insured property. McGonigle also has policies for motor homes or recreational vehicles (RVs). Established in 1953, the company has more than 50 years of collective staff experience.

  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Mesilla Valley Insurance Group
545 South Melendres Street, Las Cruces, NM 88005
Bernal Insurance Group
1591 East Lohman Avenue, Las Cruces, NM 88001
Grindell & Romero Insurance
1121 Mall Drive, Las Cruces, NM 88011
Darin Manes - Farmers Insurance Agent
250 West Amador Avenue, Las Cruces, NM 88005
mcgonigleins.com
156 Wyatt Drive, Las Cruces, NM 88005

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.
  • What are the homeowners’ insurance rates in Las Cruces?

    Las Cruces has one of the lowest average homeowners’ insurance rates in the state at $1,055. Other cities in New Mexico with similar rates include Gallup, University Park, Hurley, Grants, Prewitt, and Yah-ta-hey. In contrast, the cities in the state with the most expensive homeowners’ insurance rates are Texico, Rogers, Clovis, Bard, and Hobbs.

  • Does New Mexico offer homeowners’ insurance assistance in Las Cruces?

    Homeowners in Las Cruces may be able to obtain financial assistance for their homeowners’ insurance costs, mortgage payments, and property taxes through the New Mexico Homeowner Assistance Fund program. The program offers up to $20,000 to qualifying households with incomes equal to or less than 150% of the area’s median income or 100% of the median income nationwide, whichever is greater.

  • Do Las Cruces’ fire districts affect homeowners’ insurance costs?

    Fire districts in Las Cruces and the rest of Doña Ana County affect homeowners’ insurance costs, depending on the rating assigned to them by the Insurance Services Office (ISO). Because the Las Cruces Fire Department has earned the highest grade from the ISO, its residents do not experience the same homeowners’ insurance cost increases in lower-rated areas such as La Mesa, La Union, Las Alturas, Mesquite, and Radium Springs.

  • What are the most common homeowners’ insurance claims in Las Cruces?

    One of the most common homeowners’ insurance claims filed in Las Cruces is wildfire damage, which is why installing sprinkler systems and other fire safety features may entitle homeowners to discounts on their insurance premiums. Other common types of claims filed are flooding and earthquake damage, which are both not covered by most standard homeowners’ insurance policies.

  • Can Las Cruces residents report their homeowners’ insurance provider?

    Residents of Las Cruces who wish to report their homeowners’ insurance provider may file a complaint at the official website of the New Mexico Office of Superintendent of Insurance. The office’s website also provides information on consumer protections regarding the insurance industry. Policyholders may also relay their concerns to the Consumer Assistance Bureau at 505-827-4549.

  • 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.

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