Agsure, Inc.
5501 Eagle Rock Ave NE, Ste A1, Albuquerque, NM 87113
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Albuquerque households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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5501 Eagle Rock Ave NE, Ste A1, Albuquerque, NM 87113
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6300 Riverside Plaza Lane NW, STE 100, Albuquerque, NM 87120
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10800 Cibola Loop NW, Apt 1028, Albuquerque, NM 87114
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11024 Montgomery Blvd NE, Ste 376, Albuquerque, NM 87111
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4801 Lang Ave NE, UNIT 110, Albuquerque, NM 87109
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6000 Uptown Blvd NE, Suite 100, Albuquerque, NM 87110
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5807 Trail Court NW, Albuquerque, NM 87107
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11000 Spain Road NE, Building E, Albuquerque, NM 87111
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4801 Lang Ave NE, Ste 110, Albuquerque, NM 87109
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5100 San Francisco Rd NE, Ste. D1, Albuquerque, NM 87110
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Learn about insurance coverage options specific to Albuquerque residents.
Albuquerque home insurance costs $1,442-$2,261/year. Learn about wildfire risk, monsoon floods, adobe home coverage, and what your policy should include.
Home InsuranceAlbuquerque wildfire insurance guide: Sandia foothills risks, Bosque fires, defensible space requirements, FAIR Plan options, and how to lower your costs.
Car InsuranceAlbuquerque drivers pay $2,676/year on average for car insurance. Learn about rates, uninsured driver risks, hail coverage, and ways to save.
Car InsuranceAlbuquerque's high theft rates and uninsured drivers make smart car insurance choices critical. Learn what coverage you need and how to save money.
Car InsuranceAlbuquerque auto insurance averages $1,920-2,676/year. Learn about NM's 25/50/10 minimums, 24% uninsured rate, and how to save on coverage.
General Insurance EducationEssential insurance guide for Albuquerque residents. Learn about NM's 25% uninsured rate, monsoon flood risks, and coverage needed in the Duke City.
Yes, you should seriously consider it. More than 20% of flood insurance claims come from properties outside designated flood zones, and Albuquerque is particularly vulnerable to flash flooding during monsoon season. The average policy costs only around $500 per year in Albuquerque, which is a small price for significant protection. Remember that flood insurance has a 30-day waiting period, so you need to purchase it well before monsoon season begins in mid-June.
Yes, standard homeowners insurance policies cover wildfire damage to your home and belongings. However, recent wildfire activity in New Mexico has made some insurers more cautious about offering coverage in high-risk areas near the Sandia Mountains. If you live in the Northeast Heights or East Mountains, maintain defensible space around your home and use fire-resistant materials to improve your chances of getting affordable coverage.
Adobe construction and flat roofs limit your insurance carrier options because many companies don't have experience with these traditional building methods. Adobe homes also require Ordinance or Law coverage, which pays the extra cost to rebuild using specialized materials and techniques that meet current building codes. Not all insurers offer this coverage, so you need to work with an agent who specializes in historic or traditional New Mexico homes.
Albuquerque homeowners pay between $1,442 and $2,261 per year on average for home insurance, depending on coverage levels and deductibles. This is about $200 less than the national average and roughly 20% cheaper than the New Mexico state average. Your actual cost will vary based on your home's age, construction type, roof condition, credit score, and claims history.
Ordinance or Law coverage pays the additional cost to bring your home up to current building codes if you need to rebuild after a covered loss. This is essential for adobe homes and historic properties in Albuquerque because rebuilding often requires specialized materials and traditional techniques. Without this coverage, you'd have to pay out of pocket for the difference between rebuilding to your home's original condition and meeting today's code requirements.
Monsoon season runs from June 15 through September 30 in Albuquerque, bringing heavy rainfall that can cause flash flooding. Since standard homeowners insurance doesn't cover flood damage, you need a separate flood policy. The critical detail is that flood insurance has a 30-day waiting period before coverage begins, so you must purchase it well before monsoon season starts—ideally in April or May.
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