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Best Renter's Insurance Companies in Las Cruces, 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 Las Cruces Renter's Insurance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

40Reviewed

26Curated

5Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1005 S Telshor Blvd Ste. B, Las Cruces, NM 88011
WebsiteLicense: NM-8715970

Expertise.com Rating

Review Sources

Google
4.9 (46)
Facebook
5.0 (2)
Yelp
5.0 (2)

Why choose this provider?

Chad Peterson is an insurance agent serving the Las Cruces area. He started serving the community in 2005, providing products that include home, auto, business, property, health, and life insurance. Peterson also specializes in renters' insurance. He also offers assistance in obtaining pet insurance and in banking, annuities, and financial services. He is a bank representative and a member of the NAIFA. Peterson aims to help clients manage everyday life risks and recover from the unexpected. His staff members can communicate in English and Spanish.

  • Multiple Policy Types

545 South Melendres, Suite C, Las Cruces, NM 88005
WebsiteLicense: 1800003846

Expertise.com Rating

Review Sources

Google
4.3 (101)
Facebook
5.0 (3)

Why choose this provider?

Mesilla Valley Insurance Group is an independent agency serving the Las Cruces community. It offers renters' insurance plans that protect the contents of renteds space from fires, natural disasters, and theft. The agency also provides protection policies for personal and commercial properties. Its agents have the flexibility to create personalized solutions for events, such as marriage, pregnancy, and retirement. The company's website has a premium comparison tool that helps clients view different insurance packages based on their needs and wants.

  • Multiple Carriers

141 Roadrunner Parkway Suite 109, Las Cruces, NM 88011
WebsiteLicense: 1800006516

Expertise.com Rating

Review Sources

Facebook
5.0 (25)
Google
3.7 (9)
Yelp
5.0 (1)

Why choose this provider?

Pat Campbell Insurance, LLC, offers renters' insurance products to residents of Las Cruces and the surrounding communities. It assists clients in applying for renters' insurance policies to help them protect their personal belongings inside their apartments from damages or losses. It also offers other insurance products covering cars, life and health, businesses, and homes. Pat Campbell Insurance, LLC, has been serving clients since 1946. It carries insurance products from BlueCross BlueShield of New Mexico, Firemans Fund, Lincoln Financial Group, and American Reliable Insurance Company.

  • Multiple Policy Types

1655 La Fonda Dr, Las Cruces, NM 88001
WebsiteLicense: 13461365

Expertise.com Rating

Review Sources

Google
5.0 (7)

Why choose this provider?

For over a decade, Chris Trujillo has been providing financial solutions to clients in the Las Cruces area. As an insurance agent for Farm Bureau, Trujillo offers various insurance products, including renters' plans. He educates clients on further coverage options, like personal property, actual cash value, and replacement cost coverage. Trujillo deals with other property insurance products, including condo and mobile home policies. He also offers financial planning services like retirement, investment, and college planning.

  • Home and Auto Insurance

156 Wyatt Dr., Las Cruces, NM 88005
WebsiteLicense: 8722632

Expertise.com Rating

Review Sources

Google
4.7 (33)
Facebook
5.0 (1)

Why choose this provider?

McGonigle Insurance is a family-operated independent agency that serves the risk management and insurance needs of the people of Las Cruces. Equipped with over 50 years of combined experience, the firm's insurance professionals help clients find the most suitable coverage that safeguards their valuables in rented properties. The team also writes renters' policies for clients who want to be insured from liability or unexpected responsibilities on their premises. In addition, McGonigle Insurance assists business owners in tailoring a plan that fits their requirements and goals.

  • Multiple Carriers
  • Multiple Policy Types

Compare our Top Renter's Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Chad Peterson
1005 S Telshor Blvd Ste. B, Las Cruces, NM 88011
Mesilla Valley Insurance Group
545 South Melendres, Suite C, Las Cruces, NM 88005
Pat Campbell Insurance, LLC
141 Roadrunner Parkway Suite 109, Las Cruces, NM 88011
Chris Trujillo
1655 La Fonda Dr, Las Cruces, NM 88001
McGonigle Insurance
156 Wyatt Dr., Las Cruces, NM 88005

FAQs

  • How can you reduce the cost of your Las Cruces renters' insurance rates?

    Renters' insurance rates in Las Cruces can be reduced by carefully selecting your location. Your premium will be lower if you live in a less dangerous, low-crime neighborhood. Additionally, you can reduce your renters' insurance premiums by raising your deductible, requesting a discount on security systems and deadbolt locks, and improving your credit score.

  • Should college students in Las Cruces who live on campus purchase renters' insurance?

    No, most college students in Las Cruces who live in dorms or on-campus housing do not need renters' insurance because their parents' homeowners or renters' insurance will cover any losses or damage to their personal property. This type of coverage includes deductibles and limits. For example, a student living on campus may be limited to submitting claims up to 10% of their parents' coverage limit.

  • If you recently got a pet, how can you add it to your Las Cruces renters' insurance policy?

    If you recently acquired a pet, you can make changes to your Las Cruces renters' insurance policy by contacting your insurance provider or agent. Although some exclusions apply, particularly to specific dog breeds, the majority of renters' insurance providers cover pets kept at home. If your renters' insurance provider does not cover the liability of your pet, you may be able to obtain a separate animal liability policy from a different insurer.

  • When does Las Cruces renters' insurance pay for flooding damage?

    Only if you have a separate flood insurance policy will your Las Cruces renters' insurance cover flood damage. A separate flood insurance policy can be obtained from either the National Flood Insurance Program or a private insurance provider. Your community must be a registered participant in order to be eligible for flood insurance through the National Flood Insurance Program.

  • In Las Cruces, is fire damage covered by renters' insurance?

    Yes, renters' insurance in Las Cruces typically covers fire damage caused by malfunctioning appliances, electrical problems, accidents, and other factors. Compensation is provided for fire-damaged personal property; however, assets owned by your landlord and building structural damage are not covered. Although there may be coverage limitations for valuables, you can purchase additional coverage for expensive items such as jewels, cameras, and artwork.

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