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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.

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. Add 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 likely requires you carry 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:

  • Guest medical protection
  • Other structures protection
  • Personal property protection
  • Family liability protection

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, we'll help reimburse you for expenses that you lose in the process.

Want more protection?

Tailor a policy around your unique life and home by choosing from even more options, like eco upgrade coverage and roof surfaces extended coverage.

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