The 3 Best New Mexico Homeowners Insurance Companies

New Mexico homeowners insurance rates average $745.00. This puts the state in the bottom half of insurance rates nationally. Because insurance is relatively cheap, finding the best homeowners insurance in New Mexico comes down to claims service and financial strength. Alternatively, if you value technology, choose an insurer with great online tools and apps.

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Farmers Insurance

Farmers maintains an excellent claims management reputation by offering many claims filing options. Choose to file by phone with a HelpPoint representative, online, through the iClaim app, or with a Farmers agent. The iFarmers app is very capable. It seamlessly connects with the iClaim app, allowing you to photograph property damage, initiate a claim, and access this information from anywhere. Farmers' discounts are among the best in the New Mexico home insurance market. Multi-line discounts and protective device discounts are standard. Save if you have recently replaced your roof, are a non-smoker, or if you have your home inspected by an authorized representative. A.M. Best rates Farmers A (Excellent) for financial strength.

Liberty Mutual

Liberty Mutual's Tools and Resources tab is a great starting point for homeowners looking to learn about home insurance in New Mexico. It has links for each state's specific insurance regulations. There is a home insurance coverage calculator and great information on preventing water and fire damage. For claims service, the ability to file a claim online is a big convenience. Liberty Mutual's coverage provides benefits for many types of dwellings, including mobile homes, which some national carriers do not cover. Discounts can be claimed for multiple policies, having protective devices, and maintaining a claim-free record. Liberty Mutual's financial strength rating is Excellent from A.M. Best.

Western Mutual

If you want to quickly purchase insurance online, Western Mutual may be for you. Western Mutual is a direct insurer providing homeowners insurance in New Mexico, Arizona, California, Colorado, Texas, and Utah. Western Mutual covers losses to your home and personal property from a wide variety of unexpected events, such as theft, fire, vandalism and malicious mischief, water damage, wind storms, hail, lightning, and explosions. Get a one-click quote easily online and get a 20% discount on your first year premium for being a new customer. Conveniently manage your policy online. Pay your bill, make changes to your coverage, and report and track a claim all from your computer. With an A.M. Best A rating, Western Mutual is a solid choice for quick and convenient homeowners insurance in New Mexico.

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