Ruidoso, NM homeowners insurance is approximately $584 to $802, about $48-$66/month. Our all inclusive analysis indicates shoppers can save as much as $277 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
| Home Insurance Company Near Ruidoso, NM | Homeowners Insurance Agency Near Ruidoso, NM | Address |
|---|---|---|
| State Farm | Edd Gauldin | 2904 N Wht Snds Blvd, Alamogordo, NM, 88310-6124 |
| State Farm | Greg Carey | 510 Mechem Dr, Ruidoso, NM, 88345-6907 |
| Liberty Mutual Independent | High Country Agency Inc | 706 MECHEM DR, RUIDOSO, NM, 88345 |
| Travelers | Shofner Lynch & Shulse Llc | 715 10Th Street, Alamogordo, NM, 88310 |
| Allstate | Turner Ins Agency | 503 Central Ave, Tularosa, NM, 88352 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Ruidoso Downs city, New Mexico | $101 | $134 | $201 |
| Mescalero CCD, Otero County, New Mexico | $99 | $132 | $198 |
| Bent CDP, New Mexico | $101 | $134 | $201 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Ruidoso, NM | 4.9% | 16% |
| Ruidoso Downs | 5.88% | 17.89% |
| Mescalero | 8.66% | 22.83% |
| Nogal | 5.32% | 23.38% |
| Ruidoso Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 28 | 2.0% | $345 |
| $200 to $299 | 60 | 4.0% | $795 |
| $300 to $499 | 122 | 10.0% | $1245 |
| $500 to $749 | 361 | 29.0% | $1920 |
| $750 to $999 | 363 | 29.0% | $2670 |
| $1,000 to $1,499 | 277 | 22.0% | $3795 |
| Streets in Ruidoso Area | Homeowners Insurance Cost |
|---|---|
| el Centro, Shaw Ln, Bull Elk Ct, Valley View Ln, Pine Haven Ct, Verde Rd, Dunagan Trl, Ridge Rd, River Ln, Slate Ct | $700 |
| Lipan Ct, la Junta Dr, Bonnie Ct, Diamond Dr, Catron Rd, 4th St, E Signal Hill Dr, Enchanted Forrest Loop, US Hwy 70, la Junta | $703 |
| Co Rd 002, Kingwood Pl, Flume Canyon Rd, Snowflake Rd, Elk Horn, Leon Farrar Dr, Drover Ct, Alto Rd, Eagle Ridge Rd, Butler St | $698 |
| Winter Park, Sierra Dr, la Canada, Lakeview Ct, Parkway, Cummings Way, Mogul Rd, Brentwood Dr, Cambridge Way, Forest Dr | $701 |
| Aileen, Jim Bob Trl, Keys Dr, Martin Rd, Birch Dr, Turnberry Ln, G H Stoneman Dr, Ginger Pl, Stable, Bishop Rd | $694 |
| High View St, Colorado Ln, Timber Ln, Elk Run Rd, Sierra Ln, Cam Alegro, Echo Dr, Mulligan Dr, Bonita Lake Rd, Silver Star Ln | $700 |
| Whitlock St, Mesa Vista Way, Poco Cielo Ct, Pheasant Ct, Sandstone Pl, 5th St, Mockingbird Ln, Snowbird Ct, Vienna Ter, Santiago Cir | $701 |
| North St, Spring Canyon Dr, Santa Maria Dr, Mulholland Rd, Racquet Dr, Fawn Ct, Nob Hill Dr, Meander Dr, Sudderth Dr, S Thomas B Rd | $691 |
| Crown Dr, White Ct, el Camino Dr, Alto Dr, High St, Mountain Breeze Dr, E Circle Dr, Silver Star Ct, Dove Ct, Marti Gras | $695 |
| Iron Mountain Rd, Flume Canyon Dr, Rainbow Dr, Blazers Mill Rd, Jasper Dr, Morgan Dr, Don Maurcio Loop, Porcupine Ct, Silver Fox Ln, Blue Spruce | $683 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Ruidoso | $103 to $106 |
| Ruidoso Downs | $100 |
| Mescalero | $99 |
| Nogal | $110 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,000 | $3,000 |
| Yearly Ruidoso Homeowner Insurance Premium Example | $1,300 | $800 |
| Out of Pocket Expense During Claim | $1,000 | $3,000 |
| Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim | $7,500 | $7,000 |
| Net Savings to Ruidoso Home Owner from High Deductible Plan | $500 | |
| Scenario | Ruidoso, NM Home Replacement Value MORE than Home Value | Ruidoso, NM Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $212,500 | $170,000 |
| Insurance Premium based on Replacement Value | $1,075 | $875 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $23,000 | Risk Exposure from Under Insuring Coverage is $19,500 |
| Premium Impact | Insurance cheaper by $100/year | Insurance costlier by $100/year |
| Insurance Company | Travelers | Allstate | Amica Mutual Insurance Company |
| Monthly Premium | 78 | 78 | 174 |
| Year Built | 1982 | 2010 | 1994 |
| Home Details | 3 Beds, 2 Baths | 4 Beds, 3 Baths | 5 Beds, 3 Baths |
| Coverage Amount | $200000-$250000 | $200000-$250000 | $400000-$500000 |
| Deductible | $500- $1000 Deductible | $2500-$5000 Deductible | $1000-$2500 Deductible |