New Mexico Home Insurance

Protect Your Home with NM Home Insurance

New Mexico home insuranceThe state of New Mexico, otherwise known as the “Land of Enchantment” is known for its nature and scenic views. But despite the beautiful places to see and visit, you know that living here can mean dealing with some harsh weather. No matter where you call home, whether it’s Albuquerque, Las Cruces, Rio Rancho, Santa Fe or somewhere else in the state, it’s important to protect your personal property from potential damages with a good New Mexico home insurance plan. With the AARP® Homeowners Insurance Program from The Hartford,1 you can customize your seguro de viviendas policy to suit your home’s unique needs and our team can help you get a NM home insurance policy that fits your budget.

Average New Mexico Homeowners Insurance Rates

According to the Insurance Information Institute, the average New Mexico homeowners insurance rate is $1,151. The national average is $1,311 and New Mexico ranks as the 29th most expensive state in the country for home insurance.2
Different factors affect New Mexico home insurance rates, like your zip code and the crime rates in your area. Since New Mexico homeowners all have different homes and properties, home insurance premiums vary, and neighbors may even have different rates to pay.

New Mexico Homeowners Insurance Discounts

If you combinar el seguro with The Hartford, you can get a discount on your home and auto insurance policies. you can save up to 12% on auto insurance and up to 20% on homeowners insurance in New Mexico.** Our customers save an average of $813 after bundling their home and auto policies.**

Standard Coverages Under New Mexico Home Insurance

Your New Mexico home insurance comes with standard coverages to help protect your house and belongings. With home insurance, New Mexico residents can expect to find these insurance coverages:
La cobertura de vivienda to help protect your home and the structures directly attached to it. This includes your electric system, walls and roof. So, if a tree falls down during a storm and lands on your roof, this can help cover your repair costs.
La cobertura de propiedad personal, which helps protect your belongings if they’re damaged. For instance, if a fire breaks out and destroys your furniture, this can help cover the costs to fix or replace what’s damaged.
Liability coverage helps protect you if you’re responsible for someone’s injury or property damage. Let’s say you’re cutting a tree down and one of the logs rolls onto your neighbor’s property and damages their car. This coverage can help cover their repair costs.
Medical payments coverage to help pay for someone’s treatment costs if they’re injured on your property. For example, if your friends are visiting and one of them slips on your loose carpeting and hurts themselves, your home insurance can help cover their treatment cost.3
Other structures coverage, which helps protect property not attached to your home. This can include a shed, fence or garage. If someone drives through your fence, for example, your home insurance policy can help cover your repair costs.
Loss of use coverage to help cover your living expenses if you can’t live in your house after it’s damaged. For example, your home insurance policy can help cover your hotel bills if a fire damages your home.

Additional Coverages for NM Home Insurance

You may need to add more coverage to your NM home insurance. The AARP Homeowners Insurance Program from The Hartford offers the following additional coverages to increase your home’s protection:
Identity fraud expense coverage to help cover your out-of-pocket expenses, up to certain limits, as you recover from a fraud incident.
Reimbursement for replacing locks if your keys get stolen or you lose them. This coverage pays up to $500, with a $100 deductible.
Personal injury liability coverage to help cover damages from libel or slander claims.
“New for Old” Protection,‡‡ which helps replace your destroyed property with new items that are of the same quality.
Equipment breakdown coverage to help cover your costs to fix or replace appliances or electronics that break down over time. It also provides coverage if you want to make “green” upgrades. It pays up to 125% of your cost to replace any covered equipment with items that are similar, but more energy efficient or environmentally friendly. Keep in mind, this does not include coverage for normal wear and tear.
Disappearing Property Deductible,‡‡ which lowers your deductible each year when you go three consecutive years with a clean claims history.

New Mexico & Flood Insurance

New Mexico can experience severe storms and monsoons, leading to flash floods. However, if flooding damages your home or property, your home insurance won’t cover it. You’ll need to get New Mexico flood insurance to help pay for flood damages. Your local insurance agent can help talk you through the details of flood insurance protection.


NM home insuranceNew Mexico residents should always research what insurance company is best for them. It’s always a good idea to get home insurance quotes and review the coverage options because homeowners insurance companies aren’t all the same. You’ll want to work with a company that specializes in protecting homes. The Hartford is backed by decades of experience and has the only home insurance program endorsed by the AARP.
Our team is here to help you protect your home and property. We’re known for providing great customer service and will work with you to get make sure you get the right coverage at the right price. Get a NM cotización de seguro de viviendas today and see if you qualify for a multi-policy discount.
Última actualización: 3 de abril de 2024
2 Insurance Information Institute (III),“Facts and Statistics: Homeowners and Renters Insurance”
Medical benefits are calculated on the basis of usual, customary and reasonable charges.
** Los montos de ahorro promedio se basan en información comunicada por los clientes que se cambiaron a The Hartford desde otras compañías entre 9/1/22 y 8/31/23. Su ahorro puede variar. El ahorro promedio en el seguro para automóviles es de $577 y el ahorro promedio en el seguro de viviendas es de $236. Las diferencias de tarifas entre los afiliados y los no afiliados de AARP varían según el estado y la antigüedad de los afiliados de AARP. El descuento para auto y vivienda está disponible solo para asegurados que tengan tanto su seguro para auto y vivienda (o condominios y arrendatarios) por medio de los programas de seguros para autos y de viviendas AARP de The Hartford. .The Hartford no suscribe nuevos negocios en todas las áreas, incluidos los estados de CA y FL.
§ La disponibilidad del beneficio RecoverCare y los niveles del beneficio varían según el estado. The Hartford RecoverCare Advantage® es una marca registrada de The Hartford.
§§ Se aplican términos y condiciones.
Se aplican términos y condiciones. La exención por accidente y la desaparición progresiva del deducible no están disponibles para asegurados de California.
‡‡ Se aplican términos y condiciones. La disponibilidad varía según el estado.
‡‡‡ Con base a un auto y conductor; la tarifa/prima/ahorros individuales variarán según las selecciones de cobertura reales y las características de los vehículos/conductores.
Divulgaciones adicionales a continuación.
Los resúmenes de las coberturas y las características de las pólizas son únicamente para fines informativos. En caso de que se produzca una pérdida, los términos y condiciones reales establecidos en su póliza determinarán su cobertura.
AARP y sus afiliadas no son aseguradoras. Endoso pagado. The Hartford paga regalías a AARP por el uso de su propiedad intelectual. Estos cargos se utilizan para los fines generales de AARP. En la mayoría de los estados, es necesario ser miembro de AARP para ser elegible para participar en el Programa.
El programa de seguros para automóviles de AARP de The Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está avalado en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Hartford Underwriters Insurance Company; en WA por Hartford Casualty Insurance Company; en MA por Trumbull Insurance Company; y en PA por Nutmeg Insurance Company y Twin City Fire Insurance Company. El programa de seguros para viviendas de AARP de he Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está subscrito en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Property and Casualty Insurance Company of Hartford; en WA por Trumbull Insurance Company; en MA por Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, y Hartford Accident and Indemnity Company; y en PA por Nutmeg Insurance Company. El producto para viviendas no está disponible en todas las áreas, entre las que se incluye el estado de Florida. Los ahorros, los beneficios y las coberturas disponibles pueden variar y es posible que algunos solicitantes no sean elegibles. El programa no está actualmente disponible en Canadá, ni en los territorios o posesiones de Estados Unidos.
1 En Texas, el programa para automóviles está respaldado por Redpoint County Mutual Insurance Company a través de Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company y sus afiliados no son responsables financieramente por los productos de seguros suscritos y emitidos por Redpoint County Mutual Insurance Company. El programa para viviendas está respaldado por Hartford Insurance Company of the Southeast.
* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.