Gallup Insurance Rates:

Gallup, NM homeowners insurance is roughly $573 to $783, about $47-$65/month. Our in depth guide indicates shoppers can save as much as $271 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Amica Mutual Insurance
They are very knowledgeable when it comes to the process of underwriting and a fast turnaround to complete a quote.
State Farm
I needed to get in touch with someone from state farm insurance about a semi-urgent matter but i could not get in touch with anyone.
Allstate
I like that even though i have never had to use them, they are still easy to use. for example their website is nice.
Progressive
The only thing I do not like is when they do not speak English.
Farm Bureau
I'm very satisfied with this company. When we had issues with our flood insurance, our agent worked diligently to get the issue solved.
Travelers
I'm not aware of a mobile app for my insurance company. The website is ok. It often doesn't have updated information and it's difficult to get detailed information. I don't believe I would use a mobile app for my insurance company as it's not something used very often so I wouldn't waste the space on my phone.
Farm Bureau
I have never used the website or mobile app. Payments are deducted automatically every month.
State Farm
There isn't much that I dislike about state farm home insurance. The rates could be a bit lower and the website could be a little easier to use, but overall I'm very satisfied.
State Farm
You can get home insurance through them but after that, you don't talk to them anymore unless you don't understand something and by the time you're done talking to them they have you more not understanding

Gallup, NM Homeowners Insurance By Home Value

Gallup, NM Home Value Total Homes % of Total Average Gallup, NM Homeowners Insurance
Less than $50,000 764 20.0% $122
$50,000 to $59,999 162 4.0% $264
$60,000 to $69,999 90 2.0% $325
$70,000 to $79,999 198 5.0% $379
$80,000 to $89,999 153 4.0% $427
$90,000 to $99,999 172 4.0% $481
$100,000 to $124,999 323 8.0% $555
$125,000 to $149,999 360 9.0% $698
$150,000 to $174,999 603 16.0% $820
$175,000 to $199,999 203 5.0% $949
$200,000 to $249,999 331 8.0% $1145
$250,000 to $299,999 255 6.0% $1396
$300,000 to $399,999 139 3.0% $1776

Top Home Insurance Agents Near Gallup, NM

Home Insurance Company Near Gallup, NM Homeowners Insurance Agency Near Gallup, NM Address
NA Amazing Grace Insurance Agency 1613 S Second St, Gallup, NM, 87301
Liberty Mutual Independent Clay Fultz Agency Inc 201 East Aztec Avenue, Gallup, NM, 87301
Farmers Dale Buser Jr 404 E Nizhoni Blvd, Gallup, NM, 87301
Allstate Joy S Wells 915 Metro Ave, Gallup, NM, 87301
Allstate Tony Lopez 409 W Aztec Ave, Gallup, NM, 87301

Cost Of Homeowners Insurance By Street Near Gallup, NM

Streets in Gallup Area Homeowners Insurance Cost
S Grandview Dr, Philipin Ave, S 8th St, McDevitt Pl, Piano Ave, High Range Rd, Co Rd 2, Rehoboth Dr, Windy Mesa Dr, N 10th St$699
Baca Ct, Hemlock Canyon Trl, W Copper Ave, Blackfoot Rd, Arnold Pl, S Bradley St, Maple Ave, Rosita St, N 4th St, Navajo Cir$658
Draco St, W Mesa Ave, Apache Cir, Anton St, Hog Back Rd, S Florence St, Nizhoni Blvd, Tohlakai Rd, Middleton Cir, Stagecoach Cir$659
Taos Rd, Western Plz, Alma Dr, Summit Ave, Grandview Dr, S Cliff Dr, Pretty Rock Rd, Manuelite Canyon Rd, S 3rd St, Cardinal Dr$658
Leo Canyon Rd, W Chee Dodge Blvd, Laguna Cir, Foothills Ave, N Ola Dr, Sunset Dr, Manuelito Childrens Home Dr, Hst US Hwy 66, Rico St, Painted Hill Rd$654

Gallup, NM Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Gallup$100 to $102
Rock Springs$95
Yah-ta-hey$97
Lupton$85

Gallup, 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
Rock Springs CDP, New Mexico $80 $106 $159
Yah-ta-hey CDP, New Mexico $82 $109 $163
Church Rock CDP, New Mexico $81 $107 $161

Gallup, 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
Gallup, NM4.5%17.3%
Rock Springs8.4%20.29%
Yah-ta-hey4.92%16.74%
Church Rock5.32%22.1%

Gallup Renters Insurance as a Percentage of Rent

Gallup Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 125 5.0% $354
$200 to $299 252 10.0% $804
$300 to $499 538 22.0% $1254
$500 to $749 811 33.0% $1929
$750 to $999 376 15.0% $2679
$1,000 to $1,499 298 12.0% $3804
$1,500 or more 30 1.0% $5454

Gallup, NM Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$600$1,600
Yearly Gallup Homeowner Insurance Premium Example $800$600
Out of Pocket Expense During Claim$600$1,600
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $7,000$6,400
Net Savings to Gallup Home Owner from High Deductible Plan $600

Gallup, NM Home Insurance Costs With Home Replacement Value Scenarios

Scenario Gallup, NM Home Replacement Value MORE than Home Value Gallup, NM Home Replacement Value LESS than Home Value
Replacement Value $110,500 $86,500
Insurance Premium based on Replacement Value $600 $475
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $13,000 Risk Exposure from Under Insuring Coverage is $11,000
Premium Impact Insurance cheaper by $75/year Insurance costlier by $50/year

Example Gallup Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company GEICO InsuranceAmica Mutual Insurance CompanyTravelers
Monthly Premium 607457
Year Built 198419711994
Home Details 3 Beds, 2 Baths4 Beds, 1 Baths5 Beds, 3 Baths
Coverage Amount $125000-$150000$200000-$250000$125000-$150000
Deductible $500 Deductible$1000-$2500 Deductible$500 Deductible

Sample Home Insurance Rates for Gallup, 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 245,000 Shingles Roof 2,430 4 > $10,000 Deductible 510 8 Brick siding yes
1990 245,000 Membrane Roof 2,780 4 $500 Deductible 930 10 Stone Siding No
1979 250,000 Membrane Roof 2,770 4 $2500-$5000 Deductible 740 10 Brick siding No
1976 195,000 Wood Shake Roof 2,300 4 $2500-$5000 Deductible 160 2 Stone Siding yes
1977 170,000 Membrane Roof 1,750 3 $500 Deductible 350 5 Fiber-Cement Siding yes
1962 130,000 Membrane Roof 1,680 4 $2500-$5000 Deductible 660 12 Fiber-Cement Siding No
1972 145,000 Membrane Roof 1,830 5 $500- $1000 Deductible 570 10 Vinyl siding yes
2002 220,000 Membrane Roof 2,240 4 $1000-$2500 Deductible 830 12 Fiber-Cement Siding yes
1977 355,000 Wood Shake Roof 4,870 5 > $10,000 Deductible 210 2 Stone Siding No
1998 155,000 Asphalt Shingles Roof 1,780 5 $5000 to $10,000 Deductible 210 5 Wood siding yes
1963 380,000 Composition Roof 4,910 5 $1000-$2500 Deductible 540 4 Fiber-Cement Siding No
1964 125,000 Tile Roof 1,700 3 $500- $1000 Deductible 500 12 Stone Siding No
1980 140,000 Wood Shake Roof 1,400 3 $500 Deductible 60 1 Stone Siding No
1991 160,000 Tile Roof 2,010 4 $1000-$2500 Deductible 60 1 Vinyl siding yes
2008 300,000 Membrane Roof 3,990 5 $2500-$5000 Deductible 320 3 Fiber-Cement Siding No
1970 120,000 Metal Roof 1,260 3 $2500-$5000 Deductible 50 1 Stucco siding No
1987 130,000 Shingles Roof 1,970 3 $2500-$5000 Deductible 300 8 Brick siding yes
1983 230,000 Shingles Roof 3,050 4 $500 Deductible 810 10 Stucco siding No
1979 385,000 Shingles Roof 4,840 5 $5000 to $10,000 Deductible 680 6 Stucco siding No
1986 130,000 Asphalt Shingles Roof 1,560 3 $1000-$2500 Deductible 380 9 Vinyl siding yes
1990 200,000 Wood Shake Roof 2,380 3 $500 Deductible 970 12 Vinyl siding No
1966 355,000 Membrane Roof 3,770 5 $2500-$5000 Deductible 460 3 Vinyl siding No
1963 115,000 Slate Shingles Roof 1,280 3 $500- $1000 Deductible 200 6 Brick siding No
1996 145,000 Wood Shake Roof 1,840 3 $1000-$2500 Deductible 240 4 Fiber-Cement Siding No
1975 180,000 Metal Roof 1,970 3 $2500-$5000 Deductible 380 6 Fiber-Cement Siding No
1969 275,000 Asphalt Shingles Roof 3,020 4 $2500-$5000 Deductible 830 8 Fiber-Cement Siding yes
2002 155,000 Asphalt Shingles Roof 1,830 3 $500- $1000 Deductible 370 6 Fiber-Cement Siding No
2005 190,000 Membrane Roof 2,860 5 $2500-$5000 Deductible 650 12 Brick siding No
1982 185,000 Tile Roof 2,150 3 $1000-$2500 Deductible 420 7 Fiber-Cement Siding No
2004 220,000 Composition Roof 2,640 5 $500- $1000 Deductible 940 10 Stucco siding yes