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Albuquerque Homeowners Insurance

What Your Albuquerque, NM Homeowners Insurance Policy Needs

Find the right homeowners insurance policy for you.

Ann Herro | March 3, 2020

Albuquerque is one of the most scenic cities in New Mexico, with the towering Sandia Mountains standing watch from the east. The warm weather, excellent schools, and thriving economy make Albuquerque, NM a perfect place to put down roots and buy a home. The only downside is the occasional severe storms and the potential for flooding around the Rio Grande. If you decide to live in this area, make sure you’re prepared with a reliable Albuquerque homeowners insurance plan.

Our Independent Insurance Agents provide complete support to Albuquerque homeowners who are searching for affordable home insurance coverage. Our experienced agents can help you navigate your policy options and build a customized plan that will safeguard your home without breaking your bank account.

  • National yearly premium average: $1,034
  • New Mexico yearly premium average: $844
  • 31st most expensive premium in the U.S.

New Mexico homeowners enjoy home insurance rates that are much lower than the national average, but premiums can vary quite a bit, depending on what part of the city you call home. Your individual rate is determined by the size, age and location of your home and whether you have any major risk factors like waterfront property, a swimming pool or a trampoline.

Albuquerque Second Home and Vacation Home Insurance

Albuquerque is a favorite destination among New Mexico tourists. In fact, each year, thousands of people visit the city to participate in the International Balloon Fiesta, the world’s largest hot air balloon gathering. If you own a vacation home or second property in Albuquerque, finding the right home insurance plan is especially important. Second homes face unique risks, but our agents can help you choose a policy that will best safeguard your property when you aren’t on-site to monitor things.

Number of Thefts in New Mexico

  • National number of burglaries: 37,814
  • New Mexico number of burglaries: 21,476

The number of burglaries in New Mexico is less than the national average, but Albuquerque homeowners do face break-ins from time to time. You can reduce your chance of being a victim by keeping your doors locked and installing a security system, but there are still no guarantees. Make sure you find an Albuquerque homeowners insurance policy that includes protection against theft and vandalism.

Number of Catastrophes in New Mexico

  • Number of catastrophes in New Mexico: 192
  • Number of tornadoes in New Mexico: 4
  • Amount of property damage in New Mexico: $6,050,000
  • 1 in 15 insured homes has a claim each year

Natural disasters are an ongoing threat statewide, and New Mexico has an especially high risk for tornadoes, wildfires, and occasional flooding. Any time a catastrophe passes through your area, your home could face serious damage. Homeowners insurance gives you peace of mind that you always have the financial resources needed to make repairs if a disaster strikes in your neighborhood.

What Are the Risks in Albuquerque?

Albuquerque faces a serious risk for wildfires, thanks to the hot, dry summers. Winter weather can also pose a threat, with some past snowstorms causing major damage to local homes and businesses. Recently, a historic winter storm dumped a foot of snow on the city, and just nine years earlier, some parts of Albuquerque were hit with 26 inches of snow. This kind of precipitation can quickly lead to falling trees and collapsing rooflines. Our agents can help you find a home insurance policy that provides maximum protection against these types of risks.

Compare Albuquerque Home Insurance Quotes

Finding affordable homeowners insurance in Albuquerque starts with a call to one of our Independent Insurance Agents. Our agents can provide you with rate quotes on multiple policies, giving you a bird’s eye view of your options before you choose a plan. 

If you’re looking for ways to cut the cost of your home insurance, contact an agent today for a free quote on Albuquerque home insurance.

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