New Mexico Homeowners Insurance

Living in the Land of Enchantment

Nuevo Mexico was given its name by 16th century Spanish explorers looking for the mythical Seven Cities of Gold. With the Sangre de Cristo Mountains, mesas, canyons and river gorges, New Mexicans call this unique region of the Southwest home. If your home is in Albuquerque or Taos, down near Carlsbad or Las Cruces, wherever you live in New Mexico Safeco offers insurance coverage for your home in the Land of Enchantment. When thinking about home insurance coverage in New Mexico, consider how the climate and severe weather of the Southwest can adversely affect your home and property. Get your New Mexico home insurance quote today.

New Mexico Home Insurance Choices

Safeco Essential™

With standard coverage to help pay for repairs or to rebuild your home and other buildings on your property, Safeco Essential™ offers New Mexico homeowners an affordable blend of home insurance coverage and value.

Safeco New Quality-Plus™

For New Mexico homeowners looking for more than our standard level of coverage, Safeco New Quality-Plus™ offers additional coverage and higher limits than Safeco Essential™.

Safeco Optimum™

New Mexico homeowners who need additional coverage for extensive assets and treasured belongings should consider Safeco Optimum™ with its increased levels of protection.

New Mexico Home Insurance Discounts

Safeco offers several ways for New Mexicans to lower your homeowners insurance rate. Talk to your local Safeco insurance agent about home insurance discounts available to homeowners in New Mexico.

New Mexico Home Insurance Coverage Options

All Safeco homeowners insurance policies come packed with standard coverage to help pay for repairs or to rebuild your home and other buildings on your property. Also called endorsements or riders, New Mexicoans have the option to choose even more types of home insurance coverage in addition to our many popular home insurance coverage options.

Above and Beyond

Get an additional 25% or 50% more protection than the limit stated in your policy. In the event of a major or total loss to your home, extended dwelling coverage extended dwelling coverage will help pay for unexpected repair or rebuilding costs that exceed the amount covered by your base New Mexico homeowners insurance policy.

Home Business

Coverage for property, merchandise and liability related to some types of home-based businesses such as music lessons, tutoring and accounting can be added to your New Mexico homeowners policy.

Home Day Care

Get liability coverage for home day care services provided in your home for up to three people.

Hobby Farm Insurance

If your farm is not your main source of income and meets certain eligibility requirements, incidental farming coverage helps cover the cost of damage to your farm property, tools and equipment and for animal collisions. Your home insurance liability coverage is extended to your hobby farm and adds medical payments for farm employees. Ask your Safeco agent if hobby farm insurance is right for you and your farm.

Libel and Slander

Protection for nonphysical injuries like libel and slander are not part of a standard home insurance policy. Add personal offense coverage personal offense coverage to help protect yourself against libel and slander liability.

Severe Weather and Acts of Nature in New Mexico

Flooding in New Mexico

Rain from brief but intense thunderstorms is the principal source of flash floods throughout New Mexico in the summer months.

Does home insurance cover flood damage in New Mexico?

Flood damage is not covered by a standard homeowners insurance policy. To insure your home against flood damage, you need to purchase flood insurance backed by the National Flood Insurance Program. Learn more about floods on the Flood Smart website.

Mudslides and Mudflows in New Mexico

Mudslides in New Mexico tend to happen after heavy, intense rain or as part of flash flooding. Mudflows are different than mudslides. According to the National Flood Insurance Program “mudflows are rivers of liquid and flowing mud on the surface of normally dry land.” Mudslides are a type of landslide typically caused by sloping ground inundated with water.

Does home insurance cover mudslides and mudflows?

Mudlfows and mudslides are not generally covered by a standard homeowners insurance policy. Mudflows are covered by flood insurance. Mudslides may be covered by flood insurance if they meet strict criteria.

Wildfires in New Mexico

Wildfires most commonly get started by lightning strikes, arson, sparks from machinery and through human carelessness./p>Does home insurance cover wildfire damage?

Most standard home insurance policies typically cover the cost to repair common wildfire damage to your home and personal belongings.

Thunderstorms, Hail and Lightning

Thunderstorms bring high winds, hail and lightning. Lightning can start fires and cause electrical surges that damage home electronics. Lightning and high winds can knock over trees and tree branches that can cause damage to your home or your neighbor’s home and property. Hail is capable of causing significant damage to roofing, skylights and windows.

Are lightning strikes and hail damage covered by home insurance?

The cost to repair common lightning and wind damage associated with thunderstorms is covered as part of a typical home insurance policy, as is the cost to repair common hail damage to your roof, siding and personal belongings.

Tornadoes in New Mexico

Though not in a region usually associated with tornado activity, in the past 50 years New Mexico had an average of 10 tornadoes per year touch down in the state. Though most tornadoes that touch down in New Mexico are rated F2 or below, all tornadoes should be considered dangerous.

Does home insurance cover tornado damage in New Mexico?

A typical home insurance policy covers the cost to repair damage caused by a tornado.

© 2014 Liberty Mutual Insurance, 175 Berkeley Street, Boston, Massachusetts, 02116

Insurance is offered by Safeco Insurance Company of America and/or its affiliates, with their principal place of business at 175 Berkeley Street, Boston, Massachusetts, 02116. This website provides a simplified description of coverage. Nothing stated herein creates a contract. All statements made are subject to the provisions, exclusions, conditions and limitations of the applicable insurance policy. Please refer to actual policy forms for complete details regarding the coverage discussed. If the information in these materials conflicts with the policy language that it describes, the policy language prevails. Coverages and features not available in all states. Eligibility is subject to meeting applicable underwriting criteria.