Carlsbad Insurance Rates:

Carlsbad, NM homeowners insurance is nearly $565 to $769, about $47-$64/month. Our exhaustive research shows customers can save upto $266 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Allstate
I live in NJ and everything seems to be expensive here including insurance premiums. Mine is competitive to others locally but still a lot of money.
Progressive
Lastly, i like about progressive is that they are quick at making sure that your user profile online is up to date and that all the sites are friendly to use. i can use their site and see all my insurances under one tab. there is no guessing.
Progressive
I have never had an issues on having anything covered and paperwork getting filed.
Farm Bureau
I really like that this company gives back to the community. they try to make their local people better and happy with its services.
Farm Bureau
The only complaint I have is the website.It offers no information. I would love to be able to access my policy online.
Encompass Insurance
This company coded lowest price and multiple numbers of insurance they have
Farm Bureau
Sometimes I have a bit of a wait on hold to get connected to the right person but overall it’s been great. The service is good though so I don't mind waiting. Also sometimes when I go in there is a bit of a wait.
Travelers
They are excellent at communicating with me. I always call me if a new deal comes available or if I'm able to get a cheaper price or better deal or anything.
Allstate
Honestly, there isn't anything I dislike about the company, so far they have far exceeded my expectations. I'm very happy doing business with them.
Nationwide
I would recommend this company for home insurance. They have always gone above and beyond to assist me in any kind of way. Whether I call or email. They respond right away. Great customer service is hard to come by theses days.
Geico
If you have multiple insurance policies with Geico, I would recommend since they give you a good deal for multiple insurance policies.
Allstate
The offerings seem to be the same across the board when it comes to condo insurance. What sold me on Allstate was the agent that I worked with to find the right fit for me

Carlsbad, NM Homeowners Insurance By Home Value

Carlsbad, NM Home Value Total Homes % of Total Average Carlsbad, NM Homeowners Insurance
Less than $50,000 1,286 14.0% $160
$50,000 to $59,999 568 6.0% $333
$60,000 to $69,999 719 7.0% $413
$70,000 to $79,999 495 5.0% $480
$80,000 to $89,999 962 10.0% $540
$90,000 to $99,999 489 5.0% $606
$100,000 to $124,999 1,113 12.0% $707
$125,000 to $149,999 774 8.0% $880
$150,000 to $174,999 822 9.0% $1040
$175,000 to $199,999 602 6.0% $1200
$200,000 to $249,999 544 5.0% $1447
$250,000 to $299,999 405 4.0% $1767
$300,000 to $399,999 346 3.0% $2247

Top Home Insurance Agents Near Carlsbad, NM

Home Insurance Company Near Carlsbad, NM Homeowners Insurance Agency Near Carlsbad, NM Address
NA Ronnie Letcher Mga, Llc Po Box 542, Artesia, NM, 88211
Farmers Gayla Cowart 409 N Canyon St, Carlsbad, NM, 88220
Travelers George Gandy Insurance Llc 916 S 13TH ST, ARTESIA, NM, 88210
Travelers J S Ward & Son Inc 101 4TH ST S, ARTESIA, NM, 88210
State Farm Sondie Stockton 604 W Main St, Artesia, NM, 88210-2070

Carlsbad, NM Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Carlsbad, NM

Streets in Carlsbad Area Homeowners Insurance Cost
Co Rd 418A, San Miguel St, Co Rd 430, Papershell Rd, Deer Canyon Rd, Jones St, W Luckey St, S Lake St, S Spencer St, Pearl St$671
Kuykendall St, Who Who Dr, Catron Rd, Co Rd 4, Dogwood Ln, W Quay St, Sierra Dr, W Stevens St, Co Rd 672, Elma Dr$662
W Coleman Rd, Dillahunty Rd, Rio Arriba Rd, Crenshaw Ct, Co Rd 402, Railroad Ave, Carlgo St, E Orchard Ln, Alani Ct, Hidalgo Rd$672
Crabb St, Airport Ave, Molinar Rd, Oklahoma St, W Pecan St, Angelo Cir, Hambone Hts, Morris Rd, Harper St, Masters Dr$665
Callaway Dr, Adams St, Co Rd 781, Alpha St, Picket Rd, W Bronson St, Buena Vista Dr, Christian Camp Rd, Co Rd 817, Juarez St$668

Carlsbad, NM Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Carlsbad$99 to $102
Happy Valley$99
Eddy County$100
La Huerta$108

Carlsbad, NM Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Happy Valley CDP, New Mexico $83 $110 $165
Eddy County, New Mexico $84 $111 $167
Livingston Wheeler CDP, New Mexico $84 $111 $167

Carlsbad, NM Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Carlsbad, NM5.9%18.5%
Happy Valley9.53%13.97%
Eddy County5.81%18.62%
Livingston Wheeler8.38%29.19%

Carlsbad Renters Insurance as a Percentage of Rent

Carlsbad Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 40 1.0% $361
$200 to $299 189 6.0% $811
$300 to $499 395 13.0% $1261
$500 to $749 1,344 44.0% $1936
$750 to $999 643 21.0% $2686
$1,000 to $1,499 352 11.0% $3811
$1,500 or more 56 1.0% $5461

Carlsbad, NM Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$900$2,900
Yearly Carlsbad Homeowner Insurance Premium Example $1,800$1,400
Out of Pocket Expense During Claim$900$2,900
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $15,300$14,100
Net Savings to Carlsbad Home Owner from High Deductible Plan $1,200

Carlsbad, NM Home Insurance Costs With Home Replacement Value Scenarios

Scenario Carlsbad, NM Home Replacement Value MORE than Home Value Carlsbad, NM Home Replacement Value LESS than Home Value
Replacement Value $97,000 $66,500
Insurance Premium based on Replacement Value $400 $275
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $16,500 Risk Exposure from Under Insuring Coverage is $14,000
Premium Impact Insurance cheaper by $50/year Insurance costlier by $75/year

Example Carlsbad Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company GEICO InsuranceAmica Mutual Insurance CompanyTravelers
Monthly Premium 556688
Year Built 195119681979
Home Details 3 Beds, 1 Baths4 Beds, 1 Baths5 Beds, 1 Baths
Coverage Amount $150000-$175000$150000-$175000$200000-$250000
Deductible $500- $1000 Deductible$500- $1000 Deductible$500 Deductible

Sample Home Insurance Rates for Carlsbad, NM from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1994 125,000 Tile Roof 1,920 3 $1000-$2500 Deductible 140 3 Vinyl siding No
1985 225,000 Metal Roof 2,820 5 $1000-$2500 Deductible 1150 12 Fiber-Cement Siding yes
1986 110,000 Membrane Roof 1,350 3 $500 Deductible 450 10 Wood siding yes
1976 185,000 Asphalt Shingles Roof 2,210 4 $2500-$5000 Deductible 290 7 Wood siding yes
1957 145,000 Membrane Roof 1,950 4 $500- $1000 Deductible 150 3 Stone Siding No
2007 170,000 Tile Roof 1,950 3 $2500-$5000 Deductible 380 7 Fiber-Cement Siding yes
1954 225,000 Metal Roof 3,280 5 $1000-$2500 Deductible 960 9 Fiber-Cement Siding No
1969 250,000 Membrane Roof 3,080 4 $500- $1000 Deductible 870 9 Vinyl siding No
1986 140,000 Tile Roof 2,370 4 $500 Deductible 620 10 Wood siding yes
1982 390,000 Tile Roof 4,910 5 $5000 to $10,000 Deductible 720 7 Brick siding No
2004 240,000 Wood Shake Roof 2,990 5 $500- $1000 Deductible 1170 10 Vinyl siding yes
1982 300,000 Membrane Roof 4,170 5 $2500-$5000 Deductible 270 3 Stucco siding No
1958 125,000 Wood Shake Roof 2,120 4 $500 Deductible 420 9 Brick siding yes
1951 305,000 Slate Shingles Roof 4,580 5 $500- $1000 Deductible 1100 10 Vinyl siding No
2004 100,000 Slate Shingles Roof 1,390 3 $1000-$2500 Deductible 30 1 Wood siding yes
2009 245,000 Composition Roof 3,020 5 $500 Deductible 660 8 Wood siding No
2004 180,000 Composition Roof 3,150 5 $1000-$2500 Deductible 340 6 Brick siding yes
1982 240,000 Membrane Roof 3,350 5 $5000 to $10,000 Deductible 700 12 Brick siding No
1951 125,000 Membrane Roof 1,460 3 $1000-$2500 Deductible 610 12 Fiber-Cement Siding No
1969 285,000 Shingles Roof 3,370 5 $5000 to $10,000 Deductible 960 12 Stone Siding No
1999 130,000 Asphalt Shingles Roof 1,960 3 $2500-$5000 Deductible 150 3 Fiber-Cement Siding yes
1966 110,000 Metal Roof 1,660 3 $500- $1000 Deductible 200 7 Fiber-Cement Siding No
1964 355,000 Metal Roof 4,130 5 $500 Deductible 150 1 Stucco siding No
1959 200,000 Composition Roof 2,930 4 $2500-$5000 Deductible 150 3 Stone Siding No
1981 230,000 Metal Roof 3,350 5 > $10,000 Deductible 190 5 Vinyl siding No
1975 180,000 Shingles Roof 2,310 5 $1000-$2500 Deductible 110 2 Stucco siding No
1991 200,000 Membrane Roof 3,210 4 $500 Deductible 130 2 Stone Siding yes
1967 355,000 Membrane Roof 4,230 5 $5000 to $10,000 Deductible 1020 9 Fiber-Cement Siding No
1952 140,000 Asphalt Shingles Roof 1,860 4 $500 Deductible 300 6 Fiber-Cement Siding yes
1954 125,000 Shingles Roof 1,700 3 $1000-$2500 Deductible 330 8 Brick siding No
1992 240,000 Wood Shake Roof 2,980 4 $500 Deductible 260 2 Brick siding yes
1968 135,000 Metal Roof 1,800 3 $1000-$2500 Deductible 520 12 Vinyl siding yes
1950 180,000 Membrane Roof 2,090 3 $1000-$2500 Deductible 350 5 Vinyl siding yes
1989 245,000 Tile Roof 3,140 4 > $10,000 Deductible 320 5 Stone Siding No

How To Make Your Carlsbad, NM Home Insurnace Cheaper