The top-rated home insurance agent in Gallup, New Mexico is Michael Kozeliski - State Farm Insurance Agent, rated 5.0 stars across 80 reviews. Other highly rated options include C&R Insurance, Gilbert Ramirez - State Farm Insurance Agent, Joshua Turney - State Farm Insurance Agent. This directory lists 20 home insurance agents serving Gallup.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Michael Kozeliski - State Farm Insurance Agent | 194 E Historic Hwy 66 | (505) 488-7116 |
| 2 | C&R Insurance | 401 W Coal Ave b | (505) 726-4600 |
| 3 | Gilbert Ramirez - State Farm Insurance Agent | 1615 S 2nd St | (505) 863-9361 |
| 4 | Joshua Turney - State Farm Insurance Agent | 921 W Aztec Ave | (505) 863-4483 |
| 5 | Chee Montano - State Farm Insurance Agent | 1114 E Hwy 66 | (505) 722-2944 |
| 6 | Clay Fultz Insurance Agency Inc | 201 E Aztec | (505) 722-4476 |
| 7 | Tanner Insurance Services | 1308 Metro Ave | (505) 399-3222 |
| 8 | Bobby with Rocky Mountain West Insurance Agency | 405 E Vega Ave | (505) 226-4442 |
| 9 | Red Rock Insurance | 212 W Coal Ave | (505) 591-3831 |
| 10 | Angela Biava: Allstate Insurance | 196 E Hwy 66 | (505) 722-6900 |
Michael Kozeliski - State Farm Insurance Agent in Gallup, NM offers a range of home insurance coverages including protection for dwelling, personal property, and liability. Service plans involve regular policy reviews to adjust coverage limits based on changing property values or renovations. Maintenance guidance is provided to help mitigate common risks such as fire and water damage. New policyholders receive assistance in documenting household inventories to ensure adequate personal property coverage. The agency services residences including single-family homes, apartments, retail locations, and restaurants.
C&R Insurance serves homeowners in Gallup, New Mexico, providing property insurance policies that help protect single-family houses and townhomes from common risks such as fire, theft, and weather-related damage. The agency also assists business owners with commercial coverage tailored to small shops and rental property managers seeking liability protection for their units. Policies typically include dwelling coverage, personal property protection, and liability limits. The agency extends its services to clients in the surrounding McKinley County area as well as neighboring communities like Zuni Pueblo.
Gilbert Ramirez - State Farm Insurance Agent in Gallup, NM offers both one-time policy reviews and ongoing coverage management for home insurance clients. Homeowners can choose a single evaluation of their dwelling and liability needs, or they can opt for continuous service with regular updates and policy adjustments. Coverage typically includes protection for the structure, personal belongings, and additional living expenses. The service operates on a one-time, scheduled, or as-needed basis depending on the client's preference for policy revisions or claims assistance.
Joshua Turney - State Farm Insurance Agent serves the Gallup, New Mexico area and surrounding communities, handling a range of home insurance policies to protect local homeowners. It addresses common coverage needs such as dwelling protection, personal property, and liability. For each typical job, the agency reviews the client’s property details and risk factors to recommend a policy that provides suitable safeguards while considering the homeowner’s budget and specific local concerns.
Chee Montano - State Farm Insurance Agent in Gallup, NM specializes in home insurance policies tailored to protect residential properties from common perils such as fire, theft, and liability claims. The agency also assists clients with general insurance needs like auto and life coverage to ensure comprehensive financial protection. Whether helping new homeowners secure their first policy or adjusting existing plans for renovations, the office provides practical guidance. It particularly helps residents prepare coverage for spring thunderstorms and flash flooding risks common in the Gallup area.
In Gallup, NM, where high winds and monsoon rains can threaten homes quickly, Clay Fultz Insurance Agency Inc helps property owners secure their coverage. This home insurance agent works to match policies with individual needs, addressing risks like hail or wildfire common to the region. The agency assists clients in reviewing existing plans and comparing options from standard insurers. A clear initial step involves a thorough inspection of the home's exterior, roof, and local surroundings to assess vulnerabilities and recommend appropriate limits before coverage begins.
Tanner Insurance Services provides home insurance coverage for properties in Gallup, New Mexico, helping homeowners protect their dwellings and belongings against common regional risks. The company also offers add-on endorsements for additional structures, personal liability, and replacement cost options. Policy structures can be tailored to include protection against weather-related perils specific to the area, including wind and hail. Commercial insurance options are available through the agency as well, serving sectors such as offices, warehouses, and food service establishments.
Bobby with Rocky Mountain West Insurance Agency provides residential home insurance services for property owners in Gallup, New Mexico. The agency also offers commercial coverage for local business structures and rental properties throughout the surrounding area. Every policy is crafted to protect against common regional risks like hail, wind, and fire damage. Clients receive detailed explanations of their coverage options during initial consultations. Follow-up appointments can be scheduled between regular policy review visits to update plans after home renovations or new purchases.
Red Rock Insurance in Gallup, NM provides coverage to protect residential properties and personal belongings. As a local home insurance agent, the company helps clients secure policies that address typical risks in the region, such as weather damage and liability. Services include policy review and personalized coverage recommendations. The agent also assists with filing claims and adjusting deductibles as needed. Additionally, it can arrange flood insurance policies for homes in susceptible areas.
Angela Biava: Allstate Insurance provides comprehensive home insurance coverage to protect residential and commercial properties from unexpected losses. The agency offers standard policies for dwellings and their contents, along with options for liability protection and additional living expenses. Services include customized policy reviews to help clients understand and adjust coverage based on their individual needs and property characteristics. Plans often extend to include deductible options and bundled discounts for policyholders. This Gallup agency services single-family homes, apartments, retail spaces, and restaurants.
What Does a a Home Insurance Agent in Gallup Cost?
The average cost of homeowners insurance in New Mexico is around 1,200 to 1,500 dollars per year for a standard policy. In Gallup, rates may be higher due to wildfire risk and older housing stock. Actual costs depend on your home value, construction type, deductible, and coverage limits. This is general information, not insurance advice.
About home insurance agents in Gallup
Home insurance agents in Gallup, New Mexico help you protect your property against risks like wildfire, hail, and wind. New Mexico law does not require homeowners insurance, but mortgage lenders usually do. Agents can explain coverage options for older homes and mobile homes common in McKinley County.
Frequently Asked Questions
What does a home insurance agent in Gallup do?
A home insurance agent in Gallup helps you compare policies from different companies. They explain coverage for your home structure, personal belongings, and liability. They also advise on riders for earthquake or flood damage which are not standard.
Do I need home insurance in New Mexico?
New Mexico state law does not require homeowners insurance. However, your mortgage lender will require it. Without a mortgage, you can choose to self-insure, but most homeowners buy a policy to protect against fire, theft, and liability.
How do I choose a home insurance agent in Gallup?
Look for an agent licensed in New Mexico who has experience with local property types like adobe or manufactured homes. Ask about their knowledge of New Mexico wind and hail exposure. Check their reviews and ask for quotes from multiple companies.
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