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.
| Home Insurance Company Near Raton, NM | Homeowners Insurance Agency Near Raton, NM | Address |
|---|---|---|
| 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 |
| 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 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Raton, NM | 5.5% | 18.1% |
| Colfax County | 5.23% | 17.95% |
| Maxwell | 11.17% | 20.99% |
| Starkville | 8.44% | 16.39% |
| 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 |
| 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 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Raton | $99 to $102 |
| Colfax County | $100 |
| Maxwell | $97 |
| Starkville | $125 |
| Low Deductible | High 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 | |
| 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 |
| Insurance Company | State Farm | Farmers Insurance | Amica Mutual Insurance Company |
| Monthly Premium | 79 | 54 | 100 |
| Year Built | 1984 | 1965 | 1992 |
| Home Details | 3 Beds, 2 Baths | 4 Beds, 3 Baths | 5 Beds, 4 Baths |
| Coverage Amount | $150000-$175000 | $125000-$150000 | $250000-$300000 |
| Deductible | $500 Deductible | $1000-$2500 Deductible | $500- $1000 Deductible |