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new mexico condo insurance

Though the sun shines down on New Mexico's famous mesas and colorful deserts for much of the year, it also creates an increased risk of drought and fire for condo owners throughout the state — 2 things your Homeowners Association's (HOA) master policy doesn't protect your unit from.

Luckily, Esurance can help you get affordable condo insurance that can cover other risks your HOA insurance might not. Get a free New Mexico condo insurance quote from our partner, and you'll be able to get a policy with condo coverages, limits, and deductibles specific to you.

condo coverages in NM through esurance

If a fire destroys some of your valuables or a lightning storm damages your property, it's important to have condo insurance in New Mexico to help ensure you're not paying out of pocket to repair or replace your possessions. Your policy also helps in case:

  • Your condo is burglarized while you're at work one day. While your HOA's policy doesn't cover your belongings, your condo insurance does. So you don't have to worry about paying a fortune to replace your laptop, jewelry, and other valuables.
  • You accidentally injure someone away from home. Your condo policy helps cover their medical bills, and if the injured party decides to sue, coverage also kicks in to pay your legal fees.
  • A fire does more than damage your valuables — like temporarily force you to live elsewhere while your unit is repaired. Your policy pulls its weight by paying for your hotel, meals, and other reasonable expenses until you can move back into your condo.

potential policy savings in new mexico

There's a lot to love about living in a place charming enough to be dubbed the Land of Enchantment. We think you should be able to feel that way about your condo policy too. Depending on your condo insurer, you could save on your New Mexico condo insurance by qualifying for an assortment of discounts. Something as simple as installing an indoor sprinkler system — or even just having smoke alarms in your unit — could score you savings.

condo living vs. owning a house

Thanks to its propensity for dryness, New Mexico doesn't experience nearly as many tornadoes as its neighbors, Texas and Oklahoma. But depending on where you live in the state, you could still feel the wrath of an average of 11 tornadoes a year.

Luckily, one of the perks of living in a condo rather than owning a house is that your HOA is responsible for the structure of your building (just not your unit). So if a tornado damages the roof over your head, the HOA master policy will foot that repair bill. But if your kitchen window is also smashed? That's where your policy comes in handy.

Wonder if you could be saving on condo insurance?

get your free quote online

or call 1-866-439-5633