New Mexico HO8 Insurance

New Mexico HO-8 Insurance policy is designed for older homes in New Mexico. The New Mexico HO8 insurance companies usually only cover the actual cash value of the home in the event of a claim. Leading homeowners insurance companies in New Mexico are Prudential, Safeco, Farmers Insurance and Nationwide and they operate in cities such as Albuquerque, Las Cruces, Silver City or Santa Fe.


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What Will HO8 Insurance Cover in New Mexico?

A standard home insurance policy in New Mexico whether you live in Albuquerque, Santa Fe or Las Cruces will cover most damages to your NM home and your personal belongings from perils such as fire, vandalism damage from falling objects, riots, theft, trucks or vehicles.

What is New Mexico HO8 Insurance?

Useful on older buildings that may be of historic importance and has a lower market value than pure replacement cost.

What is the main difference between HO3 and HO8 Insurance?

HO3 insurance is the most common for of coverage in New Mexico. HO8 is designed for older homes where you get cash value for the home after deducting any depreciation against the property.

What areas can qualify for HO8 Home Insurance in New Mexico?

The policy will cover any home in the state New Mexico such as:
  • Albuquerque, NM
  • Santa Fe, NM
  • Las Cruces, NM
  • Gallup, NM
  • Silver City, NM
  • Hobbs, NM
  • Anthony, NM
  • Farmington, NM
  • Roswell, NM
  • Clovis, NM
  • La Mesa, NM
  • Deming, NM
  • Eagle Nest, NM
  • Carlsbad, NM
  • Las Vegas, NM
  • Continental Divide, NM
  • Chaparral, NM
  • Alamogordo, NM
  • Cochiti Pueblo, NM
  • Cloudcroft, NM