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Or call 1-866-439-5633.

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New Mexico residents who bundle their home insurance with auto insurance can save up to 10 percent! Here's how.

new mexico homeowners insurance

With natural wonders like Carlsbad Caverns, the White Sands National Monument, and ancient Aztec ruins, it's no wonder New Mexico is nicknamed the Land of Enchantment.

To help you get the most out of your state, we offer residents extensive homeowners insurance, complete with flexible coverage options, 24/7 customer service, and personalized discounts. Get a free New Mexico home insurance quote from Esurance to see how affordable protection for your family, savings, and most prized investment can be.

what our customers say


I think you're doing a pretty good job. I'm not computer savvy at all and I'm able to follow your directions to print insurance cards and look around my homeowners policy very easily. Thank you!

— Linda, Nevada


Our rep really took the time to explain each step of the process and was great at following up. She made the process easy and I appreciate her helping my family get our house back together.

— Tommy, Nevada


The entire [claim] process was quickly handled and there was no hassles. It was a truly stress-free experience which is rare nowadays. Thanks Esurance for not letting this turn into a nightmare.

— Iola, Kansas

look to save with these new mexico discounts

Your wallet needn't look as dry as your desert landscape after buying New Mexico homeowners insurance. Whether you've got a Pueblo-style abode in Santa Fe or Albuquerque, or a house/UFO observatory in Roswell, you can start to reap some of that coveted green by scoring easy homeowners discounts with Esurance.

Multi-Policy discount*

If you already have an Esurance auto policy (or other coverage, such as motorcycle), you could nab savings just by bundling New Mexico homeowners insurance and qualifying for our convenient Multi-Policy discount. Plus, you'll be able to manage the bulk of your insurance all in one place using our hassle-free site.

Home Safety Features discount

Living in New Mexico's arid climate is all the motivation you need to have the best fire protection possible in your home. But just in case, there's also the extra perk of lowering your rates with this discount (because extra perks are always welcome).

As long as your home has fire safety features such as smoke alarms or sprinklers, you could qualify for an easy premium reduction. This discount could also apply if you have other protective items, such as a burglar alarm or deadbolt locks.

Other New Mexico discounts

There's still a ton of saving left to be had! Get your quote to see if you qualify for these other discounts:

  • Claim-Free discount
  • Preferred Buyer discount
  • New Home discount
  • Smoke Free discount
  • Hail Resistant Roof discount
  • Future Effective Date discount
  • DIY Inspection discount
  • Welcome Home discount
  • Loyal Customer discount

coverages that come standard with new mexico home insurance

If you finance your home with a mortgage, your lender probably requires you to have at least basic homeowners insurance. And with all that a standard policy in New Mexico includes, you'll be more than glad to have it.

Dwelling protection

From wildfires to windstorms, New Mexico has its share of weather-related risks. With dwelling protection behind you, you don't have to worry about rebuilding your home out of pocket if a covered risk damages or completely levels your place.

When choosing your dwelling protection limits, remember that you probably want enough coverage to handle the rebuilding cost of your home — which is likely higher than what you paid to buy it and what it cost to build the first time around.

Additional living expense protection

Your homeowners claim has been processed and repairs are getting underway on your house following a covered incident. All good, right? Except … where are you supposed to stay if your home is uninhabitable?

Additional living expense protection takes care of that, paying for expenses such as a hotel. Best of all, coverage lasts for up to 12 months, so you have the time to get the job done right.

More coverages

Other standard coverages included on a New Mexico policy include:

optional coverages available in new mexico

Esurance offers New Mexicans a wide assortment of optional coverages, which makes getting a policy that's right for you as easy as Pie Town (we still can't believe that's a real place!).

Golf cart coverage

Sun-kissed pavements and limited rainfall make New Mexico ideal for golf carts (not to mention a quick 9 holes). And homeowners insurance from Esurance lets you add specialized coverage just for your 4-wheeler.

Identity theft expense coverage

Instead of electronics or jewelry, more and more thieves are after a different kind of valuable: your identity. Luckily, homeowners insurance helps you safeguard your personal info just as you would other cherished items. And if you do fall victim to ID theft, this coverage will help reimburse you for expenses that you lose in the process.

Want more protection?

Tailor a homeowners policy around your unique situation by choosing from even more protective options, like eco upgrade coverage and roof surfaces extended coverage. For more information, give us a call at 1-866-439-5633, where our agents are available 24/7 to help answer any of your home insurance questions.

Related links

Buying home insurance for the first time
Knowing what to look for when buying homeowners insurance doesn't need to be a daunting task.

Paying homeowners insurance through escrow
Looking to pay for your policy through escrow? Here's how it works.

Wonder if you could be saving on homeowners insurance?

Get your free quote online.

Or call 1-866-439-5633.