Los Ranchos de Albuquerque Insurance Rates:

Los Ranchos de Albuquerque, NM home insurance is nearly $635 to $910, about $52-$75/month. Our thorough analysis reveals consumers can save upto $308 by getting many quotes

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Los Ranchos de Albuquerque Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Travelers
Home Insurance Rate of $440/7 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $285,000

2 Beds, 2 Bath 1270 sqft Vacation Property Constructed In 2003 with Linoleum, Asphalt Shingles Roof, Slab Foundation, Stone Siding, Brick Frame. Home Features Include Deadbolt Locks, Smoke Alarm, Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

39 Years old Single Male who has a Full Time Job with household income of $75-$100,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $440/2 months for $600000-$700000 Coverage
Policy Holder Home Details :

Home Value : $735,000

5 Beds, 5 Bath 4550 sqft Vacation Property Constructed In 1995 with Ceramic Tile Flooring, Membrane Roof, Chainwall Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

74 Years old Divorced Male who is Retired and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $970/5 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $485,000

4 Beds, 4 Baths 3070 sqft Rental Property Constructed In 1964 with Stone Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Stone Siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Copper Water Pipes, Indoor Sprinklers, Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

28 Years old Married Female who has a Full Time Job with household income of more than $150,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $2820/6 months for More than 10000000 Coverage
Policy Holder Home Details :

Home Value : $1,110,000

5 Beds, 5 Baths 4830 sqft Vacation Property Constructed In 1980 with Stone Flooring, Tile Roof, Crawl Space Foundation, Stucco siding, Wood Frame. Home Features Include Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

39 Years old Married Female who has a Part Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $90/1 month for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $300,000

4 Beds, 4 Baths 1730 sqft Seasonal Residence Constructed In 2006 with Linoleum, Wood Shake Roof, Piers Foundation, Stone Siding, Stucco Construction. Home Features Include Swimming Pool, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

33 Years old Married Female who is a Freelancer with household income of $100-$150,000 and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

Home Insurance Rate of $1180/10 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $360,000

2 Beds, 2 Bath 1570 sqft Vacation Property Constructed In 1969 with Wood Flooring, Tile Roof, Chainwall Foundation, Vinyl siding, Wood Frame. Home Features Include Swimming Pool, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

40 Years old Married Female who is Unemployed and has 2 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $160/1 month for $600000-$700000 Coverage
Policy Holder Home Details :

Home Value : $575,000

5 Beds, 5 Baths 3170 sqft Rental Property Constructed In 2010 with Carpet Flooring, Membrane Roof, Piers Foundation, Vinyl siding, Brick Frame. Home Features Include Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

70 Years old Married Female who has a Full Time Job with household income of $50-$75,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $740/5 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $340,000

3 Beds, 3 Bath 1880 sqft Vacation Property Constructed In 2004 with Ceramic Tile Flooring, Shingles Roof, Chainwall Foundation, Stucco siding, Brick Frame. Home Features Include Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

25 Years old Married Female who has a Full Time Job with household income of $25-50,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $620/5 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $455,000

3 Beds, 3 Baths 2150 sqft Seasonal Residence Constructed In 2009 with Wood Flooring, Composition Roof, Chainwall Foundation, Brick siding, Wood Frame. Home Features Include Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

44 Years old Single Female who has a Full Time Job with household income of $100-$150,000 and has 2 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $440/3 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $350,000

3 Beds, 3 Baths 1730 sqft Rental Property Constructed In 2008 with Carpet over wood flooring, Metal Roof, Crawl Space Foundation, Wood siding, Brick Frame. Home Features Include Fire Extinguisher, Deadbolt Locks, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

50 Years old Married Female who is Unemployed and has No Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Los Ranchos De Albuquerque Rates & Quotes Analysis:

Los Ranchos de Albuquerque Area Estimated House Insurance
Padre Roberto Rd NW, Pueblo Solano Rd NW, Placitas Rd NW, Southwood Ct, Cottonwood Ln, Harmony Ln, Homeland Rd NW, Cherrydale Ct NW, Diomedia Ln NW, Forest Rd NW$770
Cielito Lindo Pl NW, Gorry Ct NW, Palacio del Rio Grande NW, Garduno Dr, Los Poblanos Cir, Wayne Rd NW, Osuna Rd NW, Teodoro Ct NW, Tierra del Rio NW, Don Juan Ct NW$732
Camino la Morado Rd NW, Cottonwood Ct NW, Cam Caballete NW, Schulte Rd NW, Myers Rd NW, Gene Ave NW, Edgewood NW, Patrick Pl NW, Dietz Farm Rd NW, Eakes Bates Rd$765
Tyler Rd NW, Nara Visa Ct NW, el Prado Rd NW, Don Onofre Trl NW, Cll Nueve NW, Hacienda Dr NW, Charles Pl NW, Griegos Pl NW, la Plata Rd NW, Amy Kay Ct NW$754
Ranchitos Rd NW, Velarde Ct NW, Cam Los Luceros, Nara Visa Rd NW, Jacobson Ln NW, Willow Rd NW, Fresquez, Ave la Cuchilla NW, Sandia View Rd NW, Vineyard Rd NW$687

Insurance rates are influenced by a number of factors including:

  • Year Built: 321 Homes (11% of total) built between 1980 to 1989 in Los Ranchos de Albuquerque are paying home insurance between $1,152-$1,163 and varies from Corrales (+$15), Sandia Heights (+$37), Lamy (+$83), North Valley (-$107) and Paradise Hills (-$117).
  • Bedrooms: 657 2 bedrooms homes (22% of total homes ) in Los Ranchos de Albuquerque are paying about $448. Areas near to Los Ranchos de Albuquerque such as Corrales, Sandia Heights, Placitas are costlier by $6, $15, $3 respectively whereas North Valley and Paradise Hills are more economical by $35, $38 respectively for similar homes.
  • Auto Insurance Bundling: 730 Households (40% of all households) in Los Ranchos de Albuquerque have 2 vehicles available and when it is bundled with home insurance you can save $154. Discounts for similar bundling in close by locations such as North Valley, Paradise Hills, Edith Endave come to $140, $138, $141 respectively.
  • Senior Discounts: 1,171 seniors (more than 55 years) occupied housing units (64% of total) in Los Ranchos de Albuquerque get discounts between $112 to $119 and varies from North Valley ($105), Paradise Hills ($104), Corrales ($117).
  • New Homes discounts: New homes such as the 1,453 homes built between 2000 to 2009 in Los Ranchos de Albuquerque can save $154 and similar new home insurance discounts in nearby towns and cities like North Valley, Paradise Hills and Edith Endave are $140, $138 and $141 respectively.

Los Ranchos de Albuquerque Homeowners insurance Facts

  • Los Ranchos De Albuquerque, NM has 1,817 owner occupied houses which is 68.1% of all units whereas North Valley, Paradise Hills and Edith Endave have 80.02%, 82.6% and 80.36% respectively.
  • Los Ranchos de Albuquerque, NM homeowners yearly insurance price at $772 is 0.19% of the typical house value of $399,700 which is in contrast with 0.36% in North Valley, 0.39% at Paradise Hills & 0.33% in Edith Endave.
  • Homeowners in Los Ranchos de Albuquerque, NM pay 2.06% of their income ($35,000 to $39,999) in insurance whereas homeowners in North Valley, Paradise Hills and Edith Endave pay 1.87%, 1.85% and 1.88% respectively.
  • Los Ranchos de Albuquerque, NM’s insurance is 3.3% of monthly housing costs of $1,957/month, for owners with a mortgage compared to 4.13% in North Valley, 5.08% at Paradise Hills & 4.15% in Edith Endave. But, for households without a mortgage, insurance is 13.2% of costs ($488 in Los Ranchos de Albuquerque, NM) in contrast with 14.12% in North Valley, 17.26% at Paradise Hills & 21.79% in Edith Endave.

Los Ranchos de Albuquerque, NM Home Values & Insurance rates

For example, insurance for 121 Homes (13.0% of total homes ) valued between $150,000 to $174,999 in Los Ranchos de Albuquerque, NM is about $308.

Los Ranchos De Albuquerque, NM Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 151 16.0% $46
$50,000 to $59,999 22 2.0% $100
$80,000 to $89,999 17 1.0% $162
$100,000 to $124,999 44 4.0% $208
$150,000 to $174,999 121 13.0% $308
$175,000 to $199,999 44 4.0% $355
$200,000 to $249,999 143 15.0% $432
$250,000 to $299,999 180 19.0% $524
$300,000 to $399,999 172 18.0% $671

Renters Insurance in Los Ranchos de Albuquerque

  • Median Gross Rent in Los Ranchos De Albuquerque :  $776

  • Renter occupied housing units in Los Ranchos De Albuquerque :  853

Los Ranchos De Albuquerque Renters Insurance as a Percentage of Rent

Los Ranchos De Albuquerque Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 13 1.0% $298
$300 to $499 53 6.0% $1198
$500 to $749 266 32.0% $1873
$750 to $999 334 40.0% $2623
$1,000 to $1,499 87 10.0% $3748
$1,500 or more 73 8.0% $5398

Rent Affordability in Los Ranchos De Albuquerque:

Approximately 52.0% (445) of households are spending more than 35% of their income on gross rent in Los Ranchos De Albuquerque

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 121 14.0%
15.0 to 19.9 percent 62 7.0%
20.0 to 24.9 percent 99 11.0%
25.0 to 29.9 percent 28 3.0%
30.0 to 34.9 percent 98 11.0%
35.0 percent or more 445 52.0%

Los Ranchos De Albuquerque Renters Insurance Discounts:

Los Ranchos De Albuquerque Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Los Ranchos De Albuquerque, NM Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 537 62.0% NA
2 vehicles available 199 23.0% NA
3 or more vehicles available 61 7.0% NA