Los Alamos, NM homeowners insurance is roughly $620 to $848, about $51-$70/month. Our detailed research indicates shoppers can save upto $293 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
| Home Insurance Company Near Los Alamos, NM | Homeowners Insurance Agency Near Los Alamos, NM | Address |
|---|---|---|
| Farmers | Bernadette Naranjo Csp | 935 Central Ave Ste A, Los Alamos, NM, 87544 |
| Liberty Mutual Independent | El Valle Ins Agency | 919 N RIVERSIDE DR, ESPANOLA, NM, 87532 |
| State Farm | John Sapien | 801 S Cam Del Pueblo, Bernalillo, NM, 87004-5928 |
| Allstate | Tina Quezada Jacobs | 1547 S Saint Francis Dr Unit A, Santa Fe, NM, 87505 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Los Alamos County, New Mexico | $110 | $146 | $219 |
| White Rock CDP, New Mexico | $109 | $145 | $218 |
| San Ildefonso Pueblo CDP, New Mexico | $106 | $141 | $212 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Los Alamos, NM | 3.2% | 14.9% |
| Los Alamos County | 3.24% | 15.02% |
| White Rock | 3.36% | 15.17% |
| San Ildefonso Pueblo | 3.87% | 25.51% |
| Los Alamos Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 15 | 1.0% | $321 |
| $200 to $299 | 18 | 1.0% | $771 |
| $300 to $499 | 45 | 3.0% | $1221 |
| $500 to $749 | 313 | 21.0% | $1896 |
| $750 to $999 | 514 | 35.0% | $2646 |
| $1,000 to $1,499 | 433 | 29.0% | $3771 |
| $1,500 or more | 120 | 8.0% | $5421 |
| Streets in Los Alamos Area | Homeowners Insurance Cost |
|---|---|
| Totavi St, Cheyenne St, Walnut St, Kristi Ln, Elderberry St, Circle Dr, Airport Rd, Encino St, Cam Medio, Gold St | $764 |
| el Nido St, 11th St, Coyote St, Ridgeway Dr, Cam Encantado, Chamisa St, Short Dr, S Sol, Escondido St, Tunyo St | $753 |
| Laguna St, 43rd St, Ponderosa St, Sinuoso, Cam Cereza, 38th St, Canyon Glen, 19th St, Pueblo Dr, Barranca Rd | $717 |
| Hawk Dr, 42nd St, 6th St, S Peach St, Central Park Sq, Nugget St, 35th St, Urban St, 49th St, 7th St | $718 |
| 18th St, 44th St, Torreon, N Peach St, Manzanita, el Viento St, Sandia Dr, Los Arboles Dr, University Dr, North Rd | $736 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Los Alamos | $109 to $112 |
| Los Alamos County | $109 |
| San Ildefonso Pueblo | $106 |
| Santa Clara Pueblo | $103 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $500 | $2,500 |
| Yearly Los Alamos Homeowner Insurance Premium Example | $1,500 | $1,100 |
| Out of Pocket Expense During Claim | $500 | $2,500 |
| Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim | $11,000 | $10,200 |
| Net Savings to Los Alamos Home Owner from High Deductible Plan | $800 | |
| Scenario | Los Alamos, NM Home Replacement Value MORE than Home Value | Los Alamos, NM Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $422,500 | $322,000 |
| Insurance Premium based on Replacement Value | $1,975 | $1,525 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $36,000 | Risk Exposure from Under Insuring Coverage is $64,500 |
| Premium Impact | Insurance cheaper by $300/year | Insurance costlier by $150/year |
| Insurance Company | Travelers | Liberty Mutual | GEICO Insurance |
| Monthly Premium | 82 | 93 | 112 |
| Year Built | 1979 | 1990 | 1980 |
| Home Details | 3 Beds, 1 Baths | 4 Beds, 1 Baths | 5 Beds, 4 Baths |
| Coverage Amount | $400000-$500000 | $250000-$300000 | $400000-$500000 |
| Deductible | > $10,000 Deductible | $2500-$5000 Deductible | $5000 to $10,000 Deductible |