Expertise.com Homepage
Expertise.com Homepage

2025

Last updated:

Best Homeowners Insurance Agencies in Rio Rancho, NM

Our Recommended Top 5

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 Rio Rancho 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.

54Reviewed

34Curated

5Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Best Homeowners Insurance Agencies Serving Rio Rancho
10660 Unser Boulevard Northwest, Albuquerque, NM 87114

Expertise.com Rating

Review Sources

Google
4.9 (66)
Facebook
5.0 (13)

Why choose this provider?

Ashley Duran is a Bernalillo-based State Farm insurance agent that serves families and residents in Albuquerque, Rio Rancho, and the surrounding areas. Duran leads a team of licensed home insurance agents who can assist clients in purchasing the right insurance plan from the homeowners' insurance agency. They offer home insurance, condominium insurance, manufactured home insurance, and rental property insurance products. In addition, Duran's team also quotes and writes business, car, and workers' compensation policies.

  • Multiple Policy Types

Best Homeowners Insurance Agencies Serving Rio Rancho
2345 Southern Boulevard Southeast, Rio Rancho, NM 87124

Expertise.com Rating

Review Sources

Google
5.0 (14)

Why choose this provider?

Franklin Insurance Agency sells homeowners insurance in Rio Rancho and to clients in surrounding areas. Its policies offer both dwelling coverage and property coverage so that clients can be thoroughly protected from any financial losses should their homes be damaged or destroyed. Loss of use coverage is available to help displaced families support themselves until replacing their homes. Franklin Insurance Agency is also experienced with personal liability policies that cover financial losses if homeowners are sued.

  • Personal Property Insurance
  • Multiple Policy Types

Best Homeowners Insurance Agencies Serving Rio Rancho
2625 Pennsylvania Street Northeast, Albuquerque, NM 87110

Expertise.com Rating

Review Sources

Yelp
5.0 (2)

Why choose this provider?

All-Star Insurance serves the Rio Rancho metro area and provides clients with comprehensive services to keep their properties and items covered in the event of damage or theft. This company has over 20 years of experience with homeowners insurance policies and offers options to cover replacement costs, living expenses, structural repairs, and any costs incurred because of owner liability. All-Star Insurance can also provide flood policies, earthquake policies, and animal liability policies.

  • Earthquake
  • Flood

Best Homeowners Insurance Agencies Serving Rio Rancho
4501 4th Street Northwest, Albuquerque, NM 87107

Expertise.com Rating

Review Sources

Facebook
5.0 (19)

Why choose this provider?

Ultimate Insurance is active in the Rio Rancho metro area and provides clients with a complete assortment of homeowners insurance services. This company can help clients to deal with any issues related to procuring coverage for their homes and calling in that coverage when incidents happen. Its policies also offer coverage for jewelry and other highly valuable items. Ultimate Insurance sells renters insurance and condominium insurance as well. Auto insurance policies are available.

  • Fire
  • Renter's Insurance
  • Multiple Policy Types

Best Homeowners Insurance Agencies Serving Rio Rancho
4015 Peggy Road Southeast, Rio Rancho, NM 87124

Expertise.com Rating

Review Sources

Facebook
5.0 (4)
Google
5.0 (3)

Why choose this provider?

El Valle Insurance has over 30 years of experience selling homeowners insurance policies to clients throughout the Rio Rancho metro area. Its sells coverage to insure individual properties, offers home warranties, and insures both condominiums and motor homes in addition to single-family residences. Coverage is also available to landlords and tenants that need to protect their properties and belongings. El Valle Insurance is also highly experienced with commercial insurance policies. Auto insurance is available here.

  • Condos
  • Renter's Insurance

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Ashley Duran - State Farm Insurance Agent
10660 Unser Boulevard Northwest, Albuquerque, NM 87114
Franklin Insurance Agency
2345 Southern Boulevard Southeast, Rio Rancho, NM 87124
All-Star Insurance
2625 Pennsylvania Street Northeast, Albuquerque, NM 87110
Ultimate Insurance
4501 4th Street Northwest, Albuquerque, NM 87107
El Valle Insurance
4015 Peggy Road Southeast, Rio Rancho, NM 87124

Rio Rancho, NM Homeowners Insurance Agency FAQs

  • What perils do homeowners' insurance programs in Rio Rancho cover?

    Homeowners' insurance programs in Rio Rancho cover perils such as theft and fire. The extent of the coverage ranges from personal property to the loss of the whole dwelling. The expenses accrued while living elsewhere due to house repairs are also included in the policy.

  • What are the pros and cons of obtaining umbrella coverage to augment homeowners' insurance in Rio Rancho?

    Obtaining umbrella coverage to augment homeowners insurance policies in Rio Rancho extends the insurable limits the company will pay for if the person gets sued for a tort. This is useful in cases where a person is brought to court for slander, mental anguish, or malicious prosecution. However, it is an added cost.

  • Why is it a good idea for residents of Rio Rancho to bundle homeowners insurance policies with car insurance plans?

    It is a good idea for residents of Rio Rancho to bundle homeowners insurance policies with car insurance plans because if they own automobiles, they want to be insured anyway because the law requires it. Additionally, the bundling will lower the price of both policies. Savings in nearby areas can range from around $100 to $200.

  • How much will a homeowner in Rio Rancho pay in insurance if taken as a proportion of total housing costs?

    Taken as a proportion of total housing costs, a resident of Rio Rancho's home insurance policy will be $4.2% of total housing costs if the home is under mortgage. If the house is not currently under mortgage, the proportion is higher at $15.7%. These are lower figures compared to the neighboring metros, except for Placitas.

  • How do insurers calculate the cost of reconstructing in Rio Rancho when determining the premiums for homeowners' insurance?

    For purposes of determining homeowners' insurance costs, insurers compute rebuilding costs in Rio Rancho by looking into factors influencing the local construction market. The insurance firm researches the quotes provided by local building and repair firms and then determines how much to charge for repairs per square foot.

Related Articles

FeaturedHomeowners insurance featured image

7 Best Homeowners Insurance Companies of 2025

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

FeaturedState Farm home insurance reviews

State Farm Home Insurance Review 2025

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