Agape Insurance Services
1301 S St Francis Dr, Ste D, Santa Fe, NM 87505
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1301 S St Francis Dr, Ste D, Santa Fe, NM 87505
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1301 St. Francis Dr., Suite D, Santa Fe, NM 87505
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850 Gilmore St, Santa Fe, NM 87505
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4641 Airport Rd, Ste 3, Santa Fe, NM 87507
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2905 Rodeo Park Dr E Building 6, Suite 100, Santa Fe, NM 87505
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33 Plaza La Prensa, Suite 101, Santa Fe, NM 87507
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1251 S Saint Francis Dr, Ste 2, Santa Fe, NM 87505
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1251 South St Francis Drive, Suite, #2, Santa Fe, NM 87505
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1231 S Saint Francis Dr, Ste A, Santa Fe, NM 87505
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1231 S. St. Francis Dr. Bldg A, Ste. A, Santa Fe, NM 87505
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Learn about insurance coverage options specific to Santa Fe residents.
Santa Fe home insurance requires adobe construction coverage, wildfire protection & historic property endorsements. Average cost $1,434-$4,000. Get the right policy.
Car InsuranceSanta Fe drivers pay $2,069/year for full coverage. Learn how elevation, weather, and crash rates affect your car insurance costs in New Mexico's capital.
General Insurance EducationComplete insurance guide for Santa Fe residents. Learn about auto rates, adobe home coverage, wildfire risk, and elevation impacts on insurance costs.
Car InsuranceSanta Fe auto insurance averages $172/month. Learn about NM's 25/50/10 minimums, at-fault rules, mountain driving risks, and how to get the coverage you need.
Wildfire risk is driving major insurers to decline new policies or non-renew existing ones in Santa Fe. The entire city is classified as a wildland-urban interface, and with over 10,000 non-renewals statewide from 2021-2024, carriers are pulling back from high-risk areas. You may need to work with specialty insurers or use the NM FAIR Plan if you can't find coverage in the standard market.
Not adequately. Many insurers won't write policies for adobe homes at all, and those that do often require Ordinance or Law Coverage to account for specialized materials and techniques needed for repairs. Adobe reconstruction typically costs more than standard frame construction, so you need extended replacement cost coverage and the right endorsements to avoid significant out-of-pocket expenses after a claim.
The New Mexico FAIR Plan is a state-mandated insurance program that provides coverage when you can't get it from private insurers due to high risk factors like wildfire exposure. As of March 2025, it offers up to $750,000 in residential dwelling coverage. Premiums are higher than standard market policies, but it's your safety net if you've been declined or non-renewed by multiple carriers.
The average is $1,434 annually for $300,000 in dwelling coverage, but that's before accounting for wildfire risk surcharges, adobe construction, or historic properties. In 2024, many homeowners are seeing 60-90% premium increases, pushing costs to $2,500-$4,000+ per year. Your actual rate depends on location, construction type, coverage limits, and whether you're in a high wildfire risk area.
Yes. Standard home insurance policies cap coverage for valuable items like artwork, jewelry, and collectibles at $1,500-$2,500 per item. If you own valuable art—common in Santa Fe—you need scheduled personal property coverage that specifically lists each high-value item with agreed-value protection. Get professional appraisals and update them every 2-3 years to ensure adequate coverage.
Ordinance or Law Coverage pays for the increased cost of rebuilding your home to meet current building codes after a covered loss. This is critical in Santa Fe for adobe homes and historic properties, where repairs may require specialized materials, preservation standards, or code upgrades that cost significantly more than standard construction. Without this coverage, you could face tens of thousands in out-of-pocket expenses to rebuild properly.
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