Raton Insurance Rates:

Raton, NM homeowners insurance is roughly $563 to $770, about $46-$64/month. Our thorough guide reveals consumers can save as much as $266 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Raton, NM Homeowners Insurance By Home Value

Raton, NM Home Value Total Homes % of Total Average Raton, NM Homeowners Insurance
Less than $50,000 296 14.0% $166
$50,000 to $59,999 67 3.0% $346
$60,000 to $69,999 175 8.0% $432
$70,000 to $79,999 185 9.0% $499
$80,000 to $89,999 224 11.0% $566
$90,000 to $99,999 97 4.0% $632
$100,000 to $124,999 237 11.0% $732
$125,000 to $149,999 170 8.0% $912
$150,000 to $174,999 113 5.0% $1078
$175,000 to $199,999 112 5.0% $1245
$200,000 to $249,999 197 9.0% $1498
$250,000 to $299,999 75 3.0% $1831
$300,000 to $399,999 65 3.0% $2331

Top Home Insurance Agents Near Raton, NM

Home Insurance Company Near Raton, NM Homeowners Insurance Agency Near Raton, NM Address
NA Arthur Insurance Agency - Raton 126 South 3Rd Street, Raton, NM, 87740
Allstate Griego Ins Agy Inc 300 N Commercial St, Trinidad, CO, 81082
Travelers Griego Insurance Agency Inc 300 N COMMERCIAL ST, TRINIDAD, CO, 81082
State Farm Jose Archuleta 339 S 3rd St, Raton, NM, 87740-4003
Travelers Trindad Ins Center 417 UNIVERSITY ST, TRINIDAD, CO, 81082

Cost Of Homeowners Insurance By Street Near Raton, NM

Streets in Raton Area Homeowners Insurance Cost
Drive 3, Larson Ave, Iron St, State Hwy 72, Kelley Dr, Heartland Rd, S Linwood Dr, Co Rd 21, N 2nd St, Harkness Rd$668
A 10, W Maxwell Ave, Wishbone Cir E, N 3rd St, Hartmor Pl, Sugarite Ave, Brilliant St, N 4th St, Kaiser Dr, State Hwy 555$662
Cll de la Luna, Tinaja Rd, Tiger Cir, S 11th Ave, Letton Dr, Allen's Aly, State Hwy 526, Caviness East Rd, Guadalupe St, Parsons Ave$665
la Mesa Dr, Linwood Rd, Park Ave, Fairview Ave, N Linwood Dr, Cleveland Ave, Roosevelt St, Co Rd A-78, Colfax Ave, Colfax A23$672
Plum St, Miller Rd, E 5th St, Apache Ave, N Mesa Loop Rd, US Hwy 64, Arnold St, Jefferson St, Colfax A23E, Uracca St$671

Raton, NM Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Raton$99 to $102
Colfax County$100
Maxwell$97
Starkville$125

Raton, 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
Colfax County, New Mexico $101 $134 $201
Maxwell village, New Mexico $98 $130 $195
Starkville town, Colorado $125 $167 $251

Raton, 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
Raton, NM5.5%18.1%
Colfax County5.23%17.95%
Maxwell11.17%20.99%
Starkville8.44%16.39%

Raton Renters Insurance as a Percentage of Rent

Raton Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 56 5.0% $361
$200 to $299 75 7.0% $811
$300 to $499 197 18.0% $1261
$500 to $749 495 46.0% $1936
$750 to $999 156 14.0% $2686
$1,000 to $1,499 62 5.0% $3811
$1,500 or more 13 1.0% $5461

Raton, NM Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,700$2,700
Yearly Raton Homeowner Insurance Premium Example $2,000$1,500
Out of Pocket Expense During Claim$1,700$2,700
Total Home Insurance Premium for 4 years + Out of Pocket Expense for Claim $9,700$8,700
Net Savings to Raton Home Owner from High Deductible Plan $1,000

Raton, NM Home Insurance Costs With Home Replacement Value Scenarios

Scenario Raton, NM Home Replacement Value MORE than Home Value Raton, NM Home Replacement Value LESS than Home Value
Replacement Value $116,000 $82,500
Insurance Premium based on Replacement Value $475 $350
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $22,000 Risk Exposure from Under Insuring Coverage is $11,500
Premium Impact Insurance cheaper by $25/year Insurance costlier by $100/year

Example Raton Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmFarmers InsuranceAmica Mutual Insurance Company
Monthly Premium 7954100
Year Built 198419651992
Home Details 3 Beds, 2 Baths4 Beds, 3 Baths5 Beds, 4 Baths
Coverage Amount $150000-$175000$125000-$150000$250000-$300000
Deductible $500 Deductible$1000-$2500 Deductible$500- $1000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1967 140,000 Shingles Roof 2,260 3 $1000-$2500 Deductible 190 4 Stone Siding yes
1980 140,000 Tile Roof 1,640 5 $500- $1000 Deductible 420 9 Vinyl siding No
1982 205,000 Metal Roof 2,470 4 $500 Deductible 650 6 Vinyl siding No
1999 185,000 Shingles Roof 2,580 4 $2500-$5000 Deductible 100 2 Fiber-Cement Siding No
1997 130,000 Composition Roof 1,930 5 $1000-$2500 Deductible 370 12 Vinyl siding yes
1977 160,000 Slate Shingles Roof 2,170 3 $2500-$5000 Deductible 330 7 Wood siding No
1978 220,000 Shingles Roof 2,870 4 > $10,000 Deductible 90 2 Fiber-Cement Siding No
1999 115,000 Wood Shake Roof 1,380 3 $500 Deductible 120 3 Vinyl siding No
1993 200,000 Wood Shake Roof 2,520 5 $5000 to $10,000 Deductible 170 3 Stone Siding No
1988 120,000 Composition Roof 1,610 5 $500 Deductible 200 5 Stucco siding yes
1969 135,000 Metal Roof 2,320 5 $500- $1000 Deductible 90 2 Wood siding yes
1972 225,000 Slate Shingles Roof 2,690 4 > $10,000 Deductible 100 2 Fiber-Cement Siding yes
1945 125,000 Slate Shingles Roof 2,010 3 $1000-$2500 Deductible 150 4 Stone Siding No
1964 135,000 Membrane Roof 2,290 3 $500 Deductible 260 4 Stone Siding No
1966 165,000 Asphalt Shingles Roof 2,060 3 $5000 to $10,000 Deductible 470 12 Stucco siding No
1979 305,000 Wood Shake Roof 4,580 5 $500- $1000 Deductible 1200 7 Stucco siding No
1993 170,000 Slate Shingles Roof 2,150 3 $2500-$5000 Deductible 120 3 Fiber-Cement Siding No
1978 260,000 Membrane Roof 3,310 5 > $10,000 Deductible 150 3 Brick siding yes
1984 90,000 Shingles Roof 1,550 5 $500- $1000 Deductible 40 1 Brick siding No
1995 295,000 Metal Roof 3,830 5 $1000-$2500 Deductible 330 3 Fiber-Cement Siding No
1999 95,000 Tile Roof 1,530 3 $500 Deductible 130 3 Stone Siding No
1998 270,000 Composition Roof 3,520 5 > $10,000 Deductible 70 1 Stone Siding No
1981 225,000 Tile Roof 2,880 4 > $10,000 Deductible 50 1 Wood siding No
1940 125,000 Tile Roof 1,670 3 $500- $1000 Deductible 140 3 Fiber-Cement Siding yes
1980 115,000 Composition Roof 1,880 5 $500 Deductible 410 9 Stone Siding yes
1996 120,000 Slate Shingles Roof 2,050 4 $500- $1000 Deductible 550 9 Stucco siding yes
1969 175,000 Tile Roof 2,370 3 $5000 to $10,000 Deductible 290 7 Stone Siding yes
1966 295,000 Wood Shake Roof 4,470 5 $5000 to $10,000 Deductible 60 1 Brick siding No
1961 95,000 Metal Roof 1,370 3 $500- $1000 Deductible 80 2 Brick siding yes
1990 115,000 Shingles Roof 1,920 4 $500 Deductible 240 5 Stone Siding No