Ruidoso Insurance Rates:

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.

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Ruidoso, NM Homeowners Insurance By Home Value

Ruidoso, NM Home Value Total Homes % of Total Average Ruidoso, NM Homeowners Insurance
Less than $50,000 523 12.0% $97
$50,000 to $59,999 43 1.0% $200
$60,000 to $69,999 101 2.0% $249
$70,000 to $79,999 110 2.0% $291
$80,000 to $89,999 82 1.0% $332
$90,000 to $99,999 83 2.0% $367
$100,000 to $124,999 510 12.0% $429
$125,000 to $149,999 582 14.0% $533
$150,000 to $174,999 379 9.0% $637
$175,000 to $199,999 408 9.0% $734
$200,000 to $249,999 513 12.0% $880
$250,000 to $299,999 402 9.0% $1081
$300,000 to $399,999 366 8.0% $1372

Top Home Insurance Agents Near Ruidoso, NM

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

Cost Of Homeowners Insurance By Street Near Ruidoso, NM

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

Ruidoso, NM Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Ruidoso$103 to $106
Ruidoso Downs$100
Mescalero$99
Nogal$110

Ruidoso, 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
Ruidoso Downs city, New Mexico $101 $134 $201
Mescalero CCD, Otero County, New Mexico $99 $132 $198
Bent CDP, New Mexico $101 $134 $201

Ruidoso, 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
Ruidoso, NM4.9%16%
Ruidoso Downs5.88%17.89%
Mescalero8.66%22.83%
Nogal5.32%23.38%

Ruidoso Renters Insurance as a Percentage of Rent

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

Ruidoso, NM Home Insurance Costs With Deductible Scenario

Low DeductibleHigh 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

Ruidoso, NM Home Insurance Costs With Home Replacement Value Scenarios

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

Example Ruidoso Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company TravelersAllstateAmica Mutual Insurance Company
Monthly Premium 7878174
Year Built 198220101994
Home Details 3 Beds, 2 Baths4 Beds, 3 Baths5 Beds, 3 Baths
Coverage Amount $200000-$250000$200000-$250000$400000-$500000
Deductible $500- $1000 Deductible$2500-$5000 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1992 205,000 Metal Roof 1,650 4 $5000 to $10,000 Deductible 370 7 Stone Siding No
1989 245,000 Asphalt Shingles Roof 2,460 4 $500 Deductible 410 4 Brick siding No
2008 195,000 Metal Roof 2,030 3 $1000-$2500 Deductible 570 7 Fiber-Cement Siding yes
2014 195,000 Metal Roof 2,140 3 $500- $1000 Deductible 470 6 Fiber-Cement Siding No
2011 275,000 Wood Shake Roof 2,700 4 $5000 to $10,000 Deductible 80 1 Brick siding yes
2011 205,000 Wood Shake Roof 1,780 3 $5000 to $10,000 Deductible 200 3 Vinyl siding yes
1988 150,000 Membrane Roof 1,770 3 $2500-$5000 Deductible 110 3 Stone Siding yes
2012 140,000 Tile Roof 1,640 4 $2500-$5000 Deductible 100 3 Stucco siding No
1990 225,000 Asphalt Shingles Roof 2,300 5 $1000-$2500 Deductible 430 6 Brick siding yes
1998 325,000 Wood Shake Roof 3,170 5 > $10,000 Deductible 920 12 Fiber-Cement Siding No
1987 520,000 Slate Shingles Roof 4,990 5 $2500-$5000 Deductible 1100 8 Vinyl siding No
1997 200,000 Slate Shingles Roof 1,910 3 $5000 to $10,000 Deductible 160 3 Stucco siding No
2003 320,000 Asphalt Shingles Roof 2,780 4 $5000 to $10,000 Deductible 480 7 Stucco siding yes
2014 245,000 Asphalt Shingles Roof 2,980 4 $500 Deductible 1080 12 Wood siding yes
2004 245,000 Membrane Roof 2,280 4 $500 Deductible 210 2 Stucco siding No
2013 285,000 Wood Shake Roof 3,250 5 $5000 to $10,000 Deductible 480 7 Stucco siding No
1997 240,000 Composition Roof 2,080 3 $1000-$2500 Deductible 510 7 Wood siding yes
2010 140,000 Membrane Roof 1,560 3 $1000-$2500 Deductible 640 12 Wood siding yes
2011 280,000 Composition Roof 2,730 4 $5000 to $10,000 Deductible 470 6 Stone Siding yes
1997 160,000 Tile Roof 1,550 5 $2500-$5000 Deductible 480 9 Fiber-Cement Siding No
1989 270,000 Asphalt Shingles Roof 2,370 5 $500 Deductible 290 3 Stucco siding No
1997 505,000 Tile Roof 4,370 5 $2500-$5000 Deductible 180 1 Stucco siding No
2003 180,000 Composition Roof 1,890 4 $1000-$2500 Deductible 190 3 Stone Siding No
2000 235,000 Metal Roof 1,990 3 $500 Deductible 810 6 Stucco siding No
1995 115,000 Composition Roof 1,380 3 $1000-$2500 Deductible 320 7 Brick siding No
2007 165,000 Metal Roof 1,650 4 $2500-$5000 Deductible 430 8 Stucco siding yes
2014 370,000 Tile Roof 3,900 5 > $10,000 Deductible 790 9 Wood siding No
2014 165,000 Tile Roof 1,570 5 $5000 to $10,000 Deductible 230 5 Fiber-Cement Siding yes
2003 180,000 Tile Roof 1,850 5 $500- $1000 Deductible 820 10 Stone Siding No
1997 250,000 Wood Shake Roof 2,150 5 $2500-$5000 Deductible 330 5 Fiber-Cement Siding yes
2010 125,000 Slate Shingles Roof 1,460 3 $1000-$2500 Deductible 260 7 Fiber-Cement Siding yes
1995 300,000 Composition Roof 2,550 5 $2500-$5000 Deductible 600 9 Stone Siding yes
2001 235,000 Asphalt Shingles Roof 2,140 3 $500- $1000 Deductible 700 7 Stucco siding yes
1983 210,000 Shingles Roof 2,460 5 $1000-$2500 Deductible 820 9 Vinyl siding No