Homeowners Insurance
Protecting your home, your belongings, and your peace of mind
Homeowners Insurance
Your home is likely your biggest investment, and the right policy protects both the house itself and everything inside it. A standard homeowners policy helps pay to repair or rebuild after a covered event like fire, wind, hail, or theft, and it protects your finances if someone is injured on your property.
New Mexico does not legally require homeowners insurance, but your mortgage lender almost certainly will. Out here, where hailstorms, high winds, and wildfire risk are part of life, it is protection most families cannot afford to skip. As a local independent agency, we compare options from multiple carriers to build a policy that fits your home and your budget.
What a homeowners policy includes
A standard policy is built from several coverages that work together to protect your home and family.
Dwelling
Repairs or rebuilds the structure of your home, roof, walls, and attached structures, after a covered loss.
Other Structures
Covers detached structures like a fence, shed, or detached garage.
Personal Property
Repairs or replaces your belongings. Try our Personal Property Calculator to estimate how much you need.
Loss of Use
Pays for temporary housing and living expenses if your home becomes unlivable after a covered event.
Personal Liability
Protects you if someone is injured on your property or you accidentally damage someone else's.
Medical Payments
Covers minor injuries to guests on your property, regardless of fault.
Good to know for our region: standard policies cover wind and hail, but not flood damage, which needs separate flood insurance. High-value items like jewelry and firearms have limits and may need a rider. And we always recommend replacement cost coverage over actual cash value.
