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New Mexico Home Insurance
It is the American dream to own your own home. I remember after I had acquired my first home that I was filled with a sense of having arrived, I had really accomplished something. I no longer had to worry about somebody kicking me out of my house because they were selling the property or something similar. It was a massive sense of security. It was also the largest money investment that I ever made, and of course I purchased insurance on the property.
Now let’s inspect just what home insurance should and should not cover. The state of New Mexico, especially on the eastern side of the state, is subject to grim windstorms and sometimes hail tempests. These are easily covered under insurance in New Mexico ; additionally fire, explosion, lightning, smoke, and vandalism are covered under virtually all insurance policies. There are even some hazards that are covered that are especially unlikely in New Mexico,eg volcanic eruption, that are covered by almost all policies.
What is not covered under just about any policy is flood. Flood needs a special policy that is separate and apart from the homeowner’s policy. Not everybody in the state wishes to purchase New Mexico property insurance, but it’s a brilliant idea to take a look at the flood plain and inspect the flood history for your property. Remember too that with construction and the building of culverts the flood plain can change in a very large hurry. New Mexico is especially prone to flash floods and these are significantly influenced by construction and blocked culverts and drainage areas.
When asking for a homeowner’s policy ensure that you do in truth get a quote on a house owner’s policy and not a dwelling policy. The coverage difference can be substantial ; additionally, ensure that you request an HO3 policy. The HO stands for house owner’s policy, and the three stands for the policy form. There are many policy forms out there, specifically 1,2, and three, with one providing the smallest amount of coverage and form 3 providing the most amount of coverage. The price difference actually isn’t that much, so an HO3 is actually the only way to go.
Any policy form that starts with DP is a dwelling policy. These policies are often reserved for rental properties or properties found in a condition of disrepair. Try to keep away from these if at all practicable.
So that the best counsel that I am able to give is to be sure that you home is properly protected and ask your agent if the product offered is an HO3 or not.
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