Las Cruces Homeowners Insurance

Find the right homeowners insurance policy for you.

Ann Herro, Insurance Expert Written by Ann Herro
Ann Herro, Insurance Expert
Written by Ann Herro

Ann Herro has been writing about insurance and employee benefits for over 15 years. She has covered topics as easy as insuring a car, and as difficult as transparency in healthcare costs.

New Mexico Homeowners Insurance

Las Cruces, NM is a truly extraordinary place to live, with incredible views of the Organ Mountains to the east and the rushing Rio Grande on the west. Thousands of curious tourists visit the “City of Crosses” each year to explore the art galleries, museums, and active local theater scene. With 350 days of sunshine each year, Las Cruces is a wonderful place to buy a home, but there are some potential risks that homeowners have to consider. Wildfires, flash flooding, and severe summer storms can do major damage to Las Cruces properties. 

Make sure you’re prepared with a reliable Las Cruces homeowners insurance policy. Our Independent Insurance Agents make it easier than ever to find affordable home insurance in Las Cruces. Our agents can help you compare rates on multiple policies and choose the coverages that will best safeguard your home against New Mexico’s most worrisome threats.

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

One of the major perks of living in New Mexico is the low home insurance rates. While the average home insurance plan costs much less than the national average, your individual policy cost varies based on the size, age, and location of your home within Las Cruces. If you live close to local bodies of water or if you have a swimming pool or trampoline on your property, your rate could be higher. On the other hand, you might find some significant savings if you have installed a security system or made recent upgrades to your home’s electrical wiring or plumbing.

Las Cruces Second Home and Vacation Home Insurance

The beautiful weather and numerous art galleries and museums make Las Cruces a top destination among New Mexico tourists. This city is a great place to invest in a second home or vacation property for your family. Of course, vacation homes have some unique risk factors, with weeks or months going by without occupancy. Our agents can help you choose a homeowners insurance policy that is specifically designed to protect your investment in a second home.


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Our independent agents shop around to find you the best coverage.

Number of Thefts in New Mexico

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

New Mexico has an overall low number of reported burglaries, but Las Cruces homeowners should still be cautious about this threat. In fact, Las Cruces has consistent problems with break-ins, with a total crime rate that is 45% higher than the national average. As you shop for Las Cruces homeowners insurance, choose a policy that protects not only your house but also the valuables you store inside. Then if you come home from work one day to find that you’ve been robbed, you can file a claim with your insurance provider and receive compensation to replace anything that was stolen.

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

New Mexico faces a variety of natural disasters each year, ranging from tornadoes to wildfires to flooding. Any of these events can do significant damage to a home, which is just one more reason to invest in reliable homeowners insurance. If a wildfire spreads to your neighborhood, you want peace of mind that your property is fully insured in case it is damaged or destroyed.

What Are the Risks in Las Cruces?

Earthquakes remain one of the most concerning threats in Las Cruces. While they don’t happen frequently, five have been recorded in the area since 1931. The largest on record was a 3.2 magnitude that shook the city in 1977. If another earthquake happens in Las Cruces, make sure your home is protected with the best home insurance coverage.


Save on Home Insurance

Our independent agents shop around to find you the best coverage.

Compare Las Cruces Home Insurance Quotes

Our Independent Insurance Agents take the guesswork out of buying home insurance in Las Cruces. Our agents will answer your questions, provide multiple quotes and help you select the best homeowners insurance for your unique property risks. Buying a home is a major investment, so make sure yours is well protected with reliable insurance. 

Contact an agent today to get a customized rate quote on Las Cruces home insurance.

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