Clovis Insurance Rates:

Clovis, NM homeowners insurance is approximately $569 to $773, about $47-$64/month. Our complete research reveals consumers can save upto $268 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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What is the Average Home Insurance Cost in Clovis, NM?

Clovis, New Mexico, is a great place to live and call home, but it's important to protect your home and property with homeowners insurance. Homeowners insurance in Clovis, NM, protects from various potential risks, including fire, theft, vandalism, and other types of damage. Homeowners insurance in Clovis, NM, is available through many companies and can cover various risks. Most policies include coverage for the structure of your home, your personal belongings and liability. You can also add additional coverage for flooding, earthquakes, and other natural disasters.

The average price of homeowner's insurance in Clovis, New Mexico, is $809. Homeowner's insurance premiums are calculated after carefully weighing several factors. These include factors including the home's age, previous insurance claims, the amount of coverage, the deductible, the area, the ZIP code, and more. Here are some ideas for locating affordable home insurance in Clovis, New Mexico.

Multi-Policy Insurance

In Clovis, NM, multi-policy insurance packages can be used to bundle multiple types of insurance, including home, auto, and life insurance. Bundling these types of insurance together can provide you with a discounted rate and more comprehensive coverage for your home. For example, you may be able to get a discount for purchasing home and auto insurance at the same time or for getting life insurance in addition to your home and auto insurance. Homeowners can receive home insurance for $696 in Clovis after opting for multi-policy insurance.

Claims History

Your claim history may impact the cost of your house insurance in Clovis, NM. Your rates will be higher if you file numerous claims or claims for a large sum of money. Insurance companies calculate your premiums based on the likelihood of future claims based on your claim history. Your rates will change if you are deemed a high-risk customer due to many claims. To reduce their risk, insurance companies increase their rates for clients more likely to claim. For instance, the price of homeowners insurance in Clovis, New Mexico ranges from $849 to $906 for those who have made one or two claims to $696 for those who have never made any.

Safety Features

You're probably always looking for methods to cut costs as a homeowner in Clovis. Installing security features in your house is one way to achieve this. Installing security features could result in a lower insurance premium because many insurance providers give discounts for homes with them. You could add a variety of security systems to your house. Investing in a security system is one alternative. This may involve devices like alarms, motion detectors, and security cameras. Deadbolts, for example, could be installed on your windows and doors. For instance, homeowners in Clovis, New Mexico, pay $752 and $736 in home insurance, respectively, for sprinkler systems and smoke detectors.

Clovis, NM Homeowners Insurance By Home Value

Clovis, NM Home Value Total Homes % of Total Average Clovis, NM Homeowners Insurance
Less than $50,000 1,732 17.0% $147
$50,000 to $59,999 376 3.0% $308
$60,000 to $69,999 630 6.0% $382
$70,000 to $79,999 399 3.0% $442
$80,000 to $89,999 759 7.0% $496
$90,000 to $99,999 652 6.0% $556
$100,000 to $124,999 1,125 11.0% $644
$125,000 to $149,999 895 8.0% $811
$150,000 to $174,999 1,179 11.0% $959
$175,000 to $199,999 785 7.0% $1107
$200,000 to $249,999 734 7.0% $1328
$250,000 to $299,999 346 3.0% $1623
$300,000 to $399,999 382 3.0% $2066

Top Home Insurance Agents Near Clovis, NM

Home Insurance Company Near Clovis, NM Homeowners Insurance Agency Near Clovis, NM Address
NA Smalling Insurance Agency 111 West Ave #B, Muleshoe, TX, 79347
Travelers Hunton Insurance Inc 122 SOUTH AVENUE A, PORTALES, NM, 88130
Farmers Julie De Bruin 1602 W American Blvd, Muleshoe, TX, 79347
Farmers Todd Farrell 1101 N NORRIS ST # B, Clovis, NM, 88101
Travelers Union County Insurance Agency Llc 500 MITCHELL ST, CLOVIS, NM, 88101

Clovis, NM Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Clovis, NM

Streets in Clovis Area Homeowners Insurance Cost
Diane Dr, Davis St, Curry Road 28, Swift Plant Rd, Curry Road 38, Carolina, Traver St, Quay Road U, Adams St, Sandzen Dr$657
Highland Dr, Gamma St, Conestoga Trl, Skyline Dr, Curry Road G, Kentucky Ct, Co Rd An, S Sandoval St, Robin Rd, C R 13$658
Casablanca Ave, Alabama St, Curry Rd S, Curry Road 15, E 14th St, Florida Loop, Bob Jay Dr, Colonial Estates Ter, N Thomas St, Lomas Pl$689
Franklin St, Wheatridge Dr, C R U, N Merriwether St, Norris St, Curry Rd W, S Anderson St, C R 15, W 15th St, Roosevelt Rd$662
Tulane St, S Main St, Dale St, N Reid St, Curry Road 3, Elizabeth Ct, Curry Rd E, Fairway Ter N, Sandoval St, 19th St$661
Avondale Blvd, Gila St, Curry Road 47, Curry Road 14, Florence St, Barton Ct, W Dr Martin Luther King Jr Blvd, N Connelly St, Co Rd 9, Wilclark Rd$692
Acoma Dr, C R R, Co Rd 28, Main Ct, Rencher St, Herford Ave, Calan Ct, State Rte 348, Frio Dr, Tanning Way$661
Echols Ave, Ben Hogan Dr, E 4th St, Curry Road 25, Curry Road 5, W 9th St, Curry Road C, E 7th St, Michigan Ct, St Andrews Dr$661
E Washington St, Hawaii Ct, Airport Hwy, Arcineiga Dr, Gidding St, Cedar St, Curry Road 22, Laurelwood Dr, Fairlane Dr, N Lea St$692
W Ware St, Curry Road 6, Sam Snead Pl, C R U, Canton Ct, Mary St, Curry Rd 22.5, Main Sv, Co Rd 43, Co Rd 5$664

Clovis, NM Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Clovis$100 to $102
Curry County$100

Clovis, 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
Curry County, New Mexico $84 $111 $167
Texico city, New Mexico $82 $109 $164
Farwell city, Texas $127 $169 $253

Clovis, 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
Clovis, NM5.6%18.3%
Curry County5.62%18.31%

Clovis Renters Insurance as a Percentage of Rent

Clovis Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 290 5.0% $359
$200 to $299 244 4.0% $809
$300 to $499 1,198 21.0% $1259
$500 to $749 1,762 31.0% $1934
$750 to $999 1,024 18.0% $2684
$1,000 to $1,499 1,095 19.0% $3809

Clovis, NM Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Clovis Homeowner Insurance Premium Example $1,100$700
Out of Pocket Expense During Claim$700$2,700
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $8,400$7,600
Net Savings to Clovis Home Owner from High Deductible Plan $800

Clovis, NM Home Insurance Costs With Home Replacement Value Scenarios

Scenario Clovis, NM Home Replacement Value MORE than Home Value Clovis, NM Home Replacement Value LESS than Home Value
Replacement Value $171,500 $107,000
Insurance Premium based on Replacement Value $950 $600
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $39,500 Risk Exposure from Under Insuring Coverage is $25,000
Premium Impact Insurance cheaper by $150/year Insurance costlier by $200/year

Example Clovis Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmGEICO InsuranceFarmers Insurance
Monthly Premium 7335100
Year Built 198219911975
Home Details 3 Beds, 1 Baths4 Beds, 2 Baths5 Beds, 1 Baths
Coverage Amount $175000-$200000$100000-$125000$300000-$350000
Deductible $500 Deductible$2500-$5000 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2005 235,000 Wood Shake Roof 3,230 5 $5000 to $10,000 Deductible 380 5 Stone Siding yes
1975 120,000 Metal Roof 1,960 4 $500 Deductible 440 9 Stucco siding yes
2005 210,000 Metal Roof 2,460 5 $1000-$2500 Deductible 570 6 Fiber-Cement Siding yes
1982 230,000 Tile Roof 2,700 4 $5000 to $10,000 Deductible 590 10 Brick siding yes
1976 190,000 Shingles Roof 2,450 4 $500- $1000 Deductible 550 6 Stone Siding yes
1986 150,000 Shingles Roof 2,290 3 $500 Deductible 340 5 Brick siding No
1974 285,000 Composition Roof 3,890 5 $500 Deductible 780 7 Brick siding yes
2001 160,000 Slate Shingles Roof 1,830 3 $5000 to $10,000 Deductible 100 3 Wood siding No
1995 100,000 Membrane Roof 1,210 3 $2500-$5000 Deductible 40 1 Fiber-Cement Siding No
1971 140,000 Wood Shake Roof 1,870 3 $2500-$5000 Deductible 340 8 Wood siding No
1974 195,000 Tile Roof 2,800 4 $5000 to $10,000 Deductible 480 10 Wood siding yes
1995 265,000 Asphalt Shingles Roof 3,380 5 $1000-$2500 Deductible 290 3 Fiber-Cement Siding No
1979 275,000 Asphalt Shingles Roof 3,340 5 $1000-$2500 Deductible 550 7 Brick siding yes
1982 390,000 Metal Roof 4,540 5 $500 Deductible 400 2 Wood siding No
2002 220,000 Tile Roof 2,880 4 $500 Deductible 1180 12 Stucco siding No
1966 100,000 Wood Shake Roof 1,570 3 $1000-$2500 Deductible 120 3 Vinyl siding No
1995 280,000 Composition Roof 3,360 4 $500 Deductible 450 4 Wood siding No
1979 95,000 Slate Shingles Roof 1,550 5 $2500-$5000 Deductible 210 5 Brick siding No
1987 340,000 Wood Shake Roof 4,290 5 $2500-$5000 Deductible 130 1 Stone Siding yes
2000 160,000 Tile Roof 2,260 3 $500 Deductible 640 9 Stucco siding No
1969 245,000 Shingles Roof 3,170 5 > $10,000 Deductible 280 4 Brick siding No
1965 160,000 Wood Shake Roof 2,640 4 $1000-$2500 Deductible 130 3 Wood siding No
1990 315,000 Shingles Roof 3,560 5 > $10,000 Deductible 100 1 Wood siding No
1999 290,000 Shingles Roof 3,780 5 $500- $1000 Deductible 780 7 Stone Siding yes
1972 215,000 Wood Shake Roof 3,140 4 $1000-$2500 Deductible 240 3 Stucco siding yes
1982 220,000 Asphalt Shingles Roof 3,590 5 $1000-$2500 Deductible 570 8 Brick siding No
1996 365,000 Wood Shake Roof 4,550 5 $500 Deductible 290 2 Stucco siding No
1966 195,000 Tile Roof 3,080 5 $1000-$2500 Deductible 470 8 Wood siding No
2003 225,000 Wood Shake Roof 2,550 4 > $10,000 Deductible 220 5 Brick siding yes
1981 245,000 Asphalt Shingles Roof 3,110 4 $2500-$5000 Deductible 860 9 Fiber-Cement Siding No
1990 135,000 Composition Roof 1,720 5 $500- $1000 Deductible 150 2 Stone Siding No
1962 280,000 Composition Roof 3,290 5 $500- $1000 Deductible 370 3 Stucco siding yes
1997 220,000 Shingles Roof 2,870 5 $1000-$2500 Deductible 140 2 Wood siding No
1996 165,000 Tile Roof 1,970 3 $5000 to $10,000 Deductible 290 8 Brick siding No

Latest Home Insurance Reviews

They were quick to respond to the hail damage on our home. It was paid out quickly and they were easy to deal with.
Farm Bureau
I dislike that there is no online presence for farm bureau. i'm not able to log into my account. it is not a service they provide.
I am giving them a 4 just because I feel that they are consistent. As I have not shopped for a new carrier in over a decade, I've no idea how this may compare to other companies but again there's no heavy lifting on my part.
I recommend them to anyone who wants to try good insurance and they are very innovative
State Farm
As with any insurance provider they're not gonna be cheap.i compared prices to others in my area and i get about the best price for the coverage i needed.
Farm Bureau
The policies premium and deductibles some are fairly prices and others can be a little high, but still one of the fairest pricing around.
I would recommend them. They are fare and reasonable in pricing I believe from the short time that I been with them. They are easily accessible online and through an app on my phone. And there is no issues with getting signed up.
Amica Mutual Insurance
With amica you do everything with a call center so you typically don't have one point person that knows your account and preferences.
The Hartford
Representatives of the hartford insurance company are always available to contact especially when you need to make a claim and attempt to walk you through what your policy actually covers.
Farm Bureau
Like customer care response
Farmer's Insurance
I think that the people who work for this company truly care about the customer and want us to be happy.
Liberty Mutual
We haven't had it long enough to have anything to really dislike, but I guess I wish the price was lower.
Because I’ve been with them a long time and not had claimed it's pretty low. I don't really think about it since it's included in my mortgage payment. To keep the lowest payment I have to subscribe to our local fire service since in the county island where I live there isn't automatic fire service.
I do not recall the deductibles right of hand but I know its pretty much the same that other insurance companies offer.

How To Make Your Clovis, NM Home Insurance Cheaper

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