Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in New Mexico

Our Recommended Top 13

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 New Mexico 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.

1204Reviewed

727Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
New Mexico
  • Multiple Policy Types
  • Renter's Insurance

Why choose this provider?

Strategic Insurance Group helps consumers and business owners in New Mexico manage risks and protect their financial future. It offers homeowners' insurance policies that pay for losses and damage to properties in the event of unexpected events. As an independent insurance agency, it matches clients' specific needs and financial resources with multiple insurance companies to offer the right coverage. The owner, Benito Ortiz, has experience opening an agency for a captive insurance company. Strategic Insurance Group has been in business since 2019.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
5.0 / 5 (202)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Santa Fe

Why choose this provider?

Insurance Connection USA is a full-service agency operating in Santa Fe, New Mexico. It offers homeowners' insurance plans with property and liability coverage. It helps clients get auto, health, life, long-term care, dental, and travel insurance policies. It also caters to the protection needs of business owners by providing plans for general liability, workers' compensation, and group health insurance. For over a decade, the agency has been representing over 80 insurance providers to deliver better coverage to clients.

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Albuquerque

Why choose this provider?

Phil Pettit helps individuals, families, and businesses in New Mexico get the insurance plans that they need. He is the best insurance agent in the state and offers protection coverages for homeowners. He provides all of State Farm's insurance products, including policies for auto, renters', life, and small business. Financial products such as annuities, banking, and mutual funds are also available. Phil has been a State Farm local insurance agent extraordinaire for the past 22 years.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Google
4.3 / 5 (34)
Facebook
4.8 / 5 (11)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Albuquerque

Why choose this provider?

Ashley Duran serves as one of the best insurance agents in New Mexico. She helps homeowners acquire insurance plans to protect their personal properties. Other insurance coverages she offers include health, life property, pet, auto, and business. She also provides clients with guidance when it comes to financial products such as banking, annuities, and mutual funds. Duran is one of the over 19,000 State Farm agents in the USA. She is also licensed in all lines of insurance in Arizona.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Albuquerque

Why choose this provider?

Route 66 Insurance, Inc., is one of the best providers of protection plans in New Mexico. Its homeowners' insurance covers expenses for homes damaged by fire or natural disaster, theft, or vandalism and liability protection and medical coverage for guests injured within the policyholders' properties. Other insurance plans available are renters, auto, health, and commercial. The full-service independent insurance agency has been serving the state for over 50 years. It partners with a network of insurance providers to build coverage plans that meet each client's needs and budget.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
3.9

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Las Cruces

Why choose this provider?

Bernal Insurance Group is an independently owned and locally operated agency in New Mexico. It provides homeowners' insurance with different coverages, including repair or rebuild costs, personal liability, medical expenses for guests injured at the property, and lost or destroyed personal belongings. Other insurance plans available include life, health, and vehicle. The best agency in the state also serves the insurance needs of businesses. The family-owned and family-operated agency has been serving the community since 2008.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
4.2 / 5 (67)
Facebook
4.6 / 5 (12)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Albuquerque

Why choose this provider?

Albuquerque Insurance World, Inc., finds the best protection policies for homeowners in New Mexico. Its homeowners' insurance covers property damage due to fire, lightning, or hurricane and living expenses when the home becomes unlivable. It compensates policyholders for lost or stolen personal belongings and protects them against lawsuits when someone else is injured in their properties. Personal and commercial vehicle insurance plans are also available. The agency has more than 20 years of experience in the insurance industry.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
4.3 / 5 (117)
Facebook
5.0 / 5 (6)
Yelp
1.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
Rio Rancho

Why choose this provider?

El Valle Insurance offers the best coverage of protection plans in New Mexico. Its agents help clients insure their houses, motor homes, or condominiums. They provide the community with a wide range of policies for landlords, renters, cars, motorcycles, boats, and valuable items. Commercial insurance plans, including business owner's policy and professional liability, are also available. The insurance agency has been serving the community since 1985. It partners with major insurance companies to present different policies to clients.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Albuquerque

Why choose this provider?

Ultimate Insurance is one of the best providers of protection plans in New Mexico. Its homeowners' insurance policy protects the client's property, jewelry, and other assets. Life, auto, and renters' insurance coverages are available. It also offers various commercial insurance plans based on the business size and type. The agency partners with more than 20 insurance carriers, including Liberty Mutual, Progressive, and Traveler�s. Its agents help clients find the insurance coverage that fits their needs.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
4.3 / 5 (101)
Facebook
4.5 / 5 (38)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Albuquerque

Why choose this provider?

Since 1986, Cohn Agency Co. Inc. has been serving the insurance needs of clients in New Mexico. It insures homes, apartments, and condominiums. The coverage pays the policyholders for losses due to theft, fire, vandalism, or other covered events and protects them against legal judgment when someone gets injured in their properties. The independently owned and locally operated insurance agency also offers life, vehicle, and business insurance plans. It looks for rates and coverage options from different insurance providers to help clients get the best policies.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Google
4.6 / 5 (16)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Rio Rancho

Why choose this provider?

Franklin Insurance Agency is an independent, family-owned, and family-operated business in New Mexico. It is the best agency in the state and offers insurance plans that protect homeowners against risks like fire and theft. The coverage pays for repair or replacement costs; loss of use; medical expenses; bodily and property liability; and stolen, damaged, or destroyed belongings. The agency provides clients with a full suite of insurance products, including plans for auto, boat, motorcycle, and businesses. It has been serving the community since 1986.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (197)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Albuquerque

Why choose this provider?

Associated Insurance Professionals offers the best personal and business protection plans in New Mexico. It offers insurance policies for different types of dwellings, including motor and mobile homes, ranches, estates, and seasonal properties. The coverage also insures the homeowner's personal items. Other insurance plans are for life, auto, boat, wedding, and foreign travel. It has insurance for businesses such as commercial and professional liability and workers' compensation. The insurance agency also serves clients in California, Arizona, and Florida.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Santa Fe

Why choose this provider?

Wayne Steen operates the best State Farm insurance agency in New Mexico. Steen provides clients with a wide selection of insurance products. He helps homeowners get their properties insured. Personal lines of insurance such as auto, life, and health are available. He also assists business owners in acquiring protection plans. He extends his services to individuals in need of guidance about banking and annuities. Steen has been in the insurance and financial service industry for more than 46 years. He can provide services in Spanish.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (55)
Yelp
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

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 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.

  • What is the difference between home warranty and homeowners insurance?

    Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

  • Does Geico offer homeowners insurance?

    Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

  • How long does homeowners warranty insurance last?

    Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

  • Does homeowners insurance cover water heaters?

    Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

  • Are RVs covered under homeowners insurance?

    Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.

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