Daniels Insurance Agency
Custom-Built Homeowners Insurance for New Mexico Residents
Whether you own one of the region’s original homes or you are moving into something new, you need homeowners insurance to protect what could be the biggest investment of your life. Daniels Insurance Agency serves clients throughout New Mexico, providing custom products to protect your home and assets.
We will assess your current coverage and what it will take to replace the structure in the event of a loss, the assets you have at risk if there were an injury or accident on your premises and other important issues. If you are purchasing a home, we understand how critical it is to get you the coverage you need on a timely basis. We also work with several insurance companies, including those who specialize in high-value homeowners that can best serve your specific needs.
Inside Your Home Insurance
A homeowners insurance policy is made up of several key components, designed to protect you in the event of a fire, theft or other loss as well as respond should you find yourself a target of a lawsuit because of an injury or accident in your home.
Property Insurance: Your property extends beyond just the house itself. You need coverage for your exterior structures and all your contents. Additionally, you need to consider costs associated with renting a living space if your house were to be damaged badly. And what about your special items, such as artwork, jewelry, collectibles, wine collections or other high-value possessions? Our professionals will talk to you about your house and all the things you own in it to make sure it’s covered from catastrophes, including fire, theft, vandalism, etc. You may also need flood insurance depending on where your home is located. We will review this with you as well.
Liability Insurance: While most people think about a fire destroying their home when they think of insurance, one of the most destructive occurrences can be a lawsuit alleging your liability for a serious injury or expensive property damage. A homeowners insurance liability policy will help in such a circumstance by protecting your assets. It will pay for your legal defense and monetary settlements and judgments up to the limits of your coverage.
If you have a swimming pool, a trampoline, or even teenagers, you need good liability insurance and may want to look into an umbrella insurance policy that will extend your limits of coverage.
High-Value Homeowners: We have customized options for contents, other structures and additional living expenses; high liability limits, guaranteed rebuilding cost for dwellings, coverage for sewer and drain backups, equipment breakdown protection, and more for luxury homes. Our staff can also discuss with you options that include incidental business coverage, identity theft, rebuilding to “green standards,” and enhanced personal liability insurance (including a high-value umbrella policy).
At Daniels Insurance Agency, we’re all about personal attention, and look forward to talking to you about your risks, safety measures, preferences, and appropriate deductibles and premiums.
We’ll help you prepare for tomorrow today.
Daniels Insurance Agency is poised to help you navigate the risks you face today while assisting you with solutions and strategies to support your business as it expands and grows. We are also an integral part of the communities we serve, understanding the issues of our region to effectively serve our business and individual clients. Give us a call at 800-530‑8885 to find out how we can assist you.