Expertise.com

Best Homeowners Insurance Agencies in Rio Rancho

2024

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Website
4015 Peggy Road Southeast, Rio Rancho, NM 87124
  • Condos
  • Renter's Insurance

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.

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
Facebook
5.0 / 5 (4)
Google
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

Website
4501 4th Street Northwest, Albuquerque, NM 87107
  • Fire
  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Multiple Carriers
  • Flood

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.

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
Facebook
5.0 / 5 (19)

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
2740 Northern Boulevard Northeast, Rio Rancho, NM 87124
  • Renter's Insurance
  • Multiple Policy Types

Why choose this provider?

Peak Insurance Agency is an independent homeowners' insurance provider serving clients in Rio Rancho and nearby areas. It has been working with different insurance carriers for 20 years to help clients identify an insurance product fit for their home. Homeowners' insurance can cover renters, landlords, vacation rentals, mobile homes, and secondary homes. Peak Insurance Agency's homeowners' insurance coverage includes comprehensive or basic packages that put a financial safeguard on the client's personal property against theft, vandalism, and fires.

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.
4.8
Google
4.8 / 5 (12)
Facebook
5.0 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
10660 Unser Boulevard Northwest, Albuquerque, NM 87114
  • Multiple Policy Types

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.

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 (66)
Facebook
5.0 / 5 (13)

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
2625 Pennsylvania Street Northeast, Albuquerque, NM 87110
  • Earthquake
  • Flood

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.

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
Yelp
5.0 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2345 Southern Boulevard Southeast, Rio Rancho, NM 87124
  • Personal Property Insurance
  • Multiple Policy Types

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.

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
Google
5.0 / 5 (14)

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

Frequently Asked Questions

  • 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 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.

  • 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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