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Property Spotlight
1 of 2 photos Placitas For Sale $125,000 0 Beds / 0 Baths
Phenomenal view lot nestled in gated community. Located at end of cul-de-sac for maximum privacy. Overlooks valley, mountains & mesa for a truly unique Land of Enchantment lifestyle...
1 of 8 photos Rio Rancho For Sale $137,000 3 Beds / 2 Baths
Spacious corner lot with home set back on the property gives plenty of room & privacy. Fully landscaped front and back, front yard needs no care as it is beautifully maintained by the HOA...
1 of 0 photos Rio Rancho For Sale $139,900 2 Beds / 1 Baths
You wont find a better buy availabe on the market than this beautiful home in a park-like setting on almost 1/3 acre lot with mountain views and landscaping that will take your breath away!..
1 of 8 photos Albuquerque For Sale $143,900 3 Beds / 2 Baths
Charming and Gracious this Petitte Retreat Offers: Wonderful open floorplan, large living room with cozy fireplace, sunny kitchen with pantry and dining area which opens to rear yard...
1 of 3 photos Placitas For Sale $149,500 0 Beds / 0 Baths
Beautiful views from this Placitas/Sundance Mesa vacant land. Build your dream home. Enjoy sunset, mesa And mountain views. Surrounded by beautiful custom homes...
1 of 6 photos Placitas For Sale $150,000 0 Beds / 0 Baths
Best priced lot in Anasazi Trails and best deal in all of Placitas! Amazing private view lot with mountain and mesa views overlooking the arroyo with EZ access to I-25...
1 of 0 photos Albuquerque For Sale $162,000 3 Beds / 2 Baths
Spacious, light bright two story with master bedroom downstairs for privacy. Large backyard with lovely landscaping. Enjoy this conveniently located terrific neighborhood in a gated community...
1 of 8 photos Rio Rancho For Sale $164,000 3 Beds / 2 Baths
Fantastic 3 BR home on cul de sac lot w/unobstructed views of mnts from living room/front bdrm! Features incl. living area w/vaulted ceilings/frml dining/ceiling fans thruout & ceramic tile/carpet...
1 of 8 photos Albuquerque For Sale $165,000 3 Beds / 2 Baths
Great Sivage single story home on corner cul-de-sac lot in West Pointe Sub at Ventana Ranch. Open, light & bright, versatile floorplan. The dining room could be used as second living area...
1 of 0 photos Albuquerque For Sale $169,900 3 Beds / 2 Baths
Really the best our market has to offer. Priced to sell. True pride of ownership + lots of extras that puts this WAY above the rest. Pitched tile roof, ...
1 of 0 photos Rio Rancho For Sale $169,900 3 Beds / 2 Baths
It doesnt get any better! Incredible curb appeal invites you into this fabulous 3 BR home in Western Hills w/many updates & recent paint. Great kitchen w/breakfast bar & newer appliances...
1 of 8 photos Albuquerque For Sale $175,000 4 Beds / 2 Baths
Wide open spaces! Traditional brick home on 1 acre of property, well situated on a corner lot. Gather at the breakfast bar in your country eat-in kitchen. New countertop in bathroom...
1 of 6 photos Albuquerque For Sale $175,000 3 Beds / 2 Baths
Charming and Gracious this lovely home features: Open spacious rooms, complete kitchen remodel with tons of counter space, gorgeous custom cabinetry and wonderful sunny eating area, large living room, ..
Home Insurancethings to
consider when buying home insurance
There are a number of factors you should
consider when purchasing any product or service, and insurance is no
different. Here is a checklist of things you should consider when you
purchase home owners insurance.
The first thing is to purchase the amount and type of insurance that you
need. Remember that if your policy limit is less than 80% of the replacement
cost of your home, any loss payment from your insurance company will be
subject to a coinsurance penalty. Also, determine the amount of personal
property insurance and personal liability coverage that you need.
The second thing is to determine which, if any, additional endorsements
you want to add to your policy. For example, do you want the personal
property replacement cost endorsement or the earthquake endorsement?
The last thing is once you have decided on the coverage you want in your
homeowners insurance policy, you can now decide which insurer you would like
to purchase the insurance from. Some people like the idea of purchasing
insurance from a mutual company rather than a stock company. Also
decide whether you would like an insurance agent to assist you in your
purchasing decision or if you would like to buy the product directly from an
insurer without the assistance of an agent.
Is all home
insurance the same?
Not, all Insurance policies are not the same.
The areas and level of protection offered to your home will vary from policy
to policy. As a result the home insurance policies will also vary in price.
It's best to disuse with your insurance agent which home insurance policy
fits you best.
what is an
umbrella policy?
Umbrella policies supplement the liability coverage you already have
through your home and auto insurance and provide an extra layer of
protection. Umbrella policies aren't just for the wealthy they're for
anyone who has assets that might be at risk if they are responsible for a
serious accident.
If you don't have enough liability coverage to resolve a claim or a
lawsuit, the person bringing the action might go after your home or your
other assets to pay for damage. Umbrella policies cover damage claims that
you, your dependents, or even your pets may cause.
Umbrella policies kick in after the liability insurance in your
homeowners and auto policy runs out. For example, if you have a home
insurance policy with liability coverage of $300,000, the umbrella policy
will pay claims above that amount up to the limit selected.
Most of the risk is assumed under the primary auto or home policy, which
is why personal liability umbrella is so inexpensive. You can buy a $1
million or larger umbrella policy for less than $200 a year.
There are a number of factors you should
consider when purchasing any product or service, and insurance is no
different. Here is a checklist of things you should consider when you
purchase home owners insurance.
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