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.
| Home Insurance Company Near Gallup, NM | Homeowners Insurance Agency Near Gallup, NM | Address |
|---|---|---|
| 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 |
| 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 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Gallup, NM | 4.5% | 17.3% |
| Rock Springs | 8.4% | 20.29% |
| Yah-ta-hey | 4.92% | 16.74% |
| Church Rock | 5.32% | 22.1% |
| 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 |
| 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 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Gallup | $100 to $102 |
| Rock Springs | $95 |
| Yah-ta-hey | $97 |
| Lupton | $85 |
| Low Deductible | High 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 | |
| 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 |
| Insurance Company | GEICO Insurance | Amica Mutual Insurance Company | Travelers |
| Monthly Premium | 60 | 74 | 57 |
| Year Built | 1984 | 1971 | 1994 |
| Home Details | 3 Beds, 2 Baths | 4 Beds, 1 Baths | 5 Beds, 3 Baths |
| Coverage Amount | $125000-$150000 | $200000-$250000 | $125000-$150000 |
| Deductible | $500 Deductible | $1000-$2500 Deductible | $500 Deductible |