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New Mexico Homeowners Insurance

Western Mutual Insurance Group offers a variety of dwelling protection starting with our preferred homeowners’ protection. Through the same reliable Homeowners’ Insurance we offer in other states as well as New Mexico, you will have straightforward coverage that’s there when you need it.

Our Benefits

Our base homeowners’ insurance protection includes the following benefits:

  • Extended Replacement Cost (ERC), which increases your dwelling coverage by 200% for no additional cost. ERC safeguards against a higher than expected construction cost for damages to your dwelling structure.
  • When applying for a New Mexico Homeowners Insurance quote online you will automatically qualify for our Web User Discount which provides 20% off first year’s premium and 10% off at renewal.

By choosing Western Mutual Insurance Group for your New Mexico property, you will also have access to our Seasonal Insurance. For more details about any of our coverages please give us a call at 1-877-968-8825.

How Do We Decide Our Coverage?

The base Dwelling Structures coverage is based on:

  • Age of the Home
  • Size of the Home
  • Location of the Home

We gather and verify this information through public county records. If you notice a discrepancy between county records and your actual home please contact us at 1-877-968-8825. Our helpful insurance agents will work with you to make sure you have the coverage tailored to your needs.



Whether you’re a first time home buyer looking for the most affordable Homeowners’ Insurance in New Mexico or looking to change to a provider who can offer more with an acclaimed quality of service, Western Mutual has you covered. Find out in more detail the coverage we’ve been offering New Mexico for over 10 years here.



Finding the right coverage for your vacation home can be stressful since you’re often away from it for long stretches of time. Find out here how Western Mutual can put your mind at ease about your property while providing comprehensive and affordable coverage.