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Protect Your Manufactured Home in Roswell, NM

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The data in the Covertree Resources section is from publicly available sources last updated in December 2022. We provide source links for verification. However, we can’t guarantee accuracy. Rely on this data at your own discretion. For specific advice, consult professionals.

A Guide to Mobile Home Insurance in Roswell, NM: Costs, Coverage, and Considerations

A Guide to Mobile Home Insurance in Roswell, NM: Costs, Coverage, and Considerations

Welcome to Roswell, New Mexico- a city that has captivated the imagination of the world with its blend of otherworldly mysteries and the grounded charm of the Southwest. Situated in the southeastern expanse of New Mexico, Roswell offers a unique journey through the enigmatic, the historical, and the beauty of desert life.

Roswell’s name resonates globally due to the famed 1947 UFO incident, an event that has forever woven the cosmic and the mysterious into the city’s fabric. The International UFO Museum and Research Center stands as a beacon for the curious, offering a deep dive into the event that sparked a thousand theories and solidified Roswell’s place in extraterrestrial lore.

Yet, beyond its interstellar fame, Roswell is steeped in rich historical and cultural significance. The city’s Western heritage comes to life at the Historical Center for Southeast New Mexico, where tales of cowboys, ranchers, and early settlers paint a vivid picture of the region’s past. The Roswell Museum and Art Center showcases a diverse collection that spans from the early days of the American West to contemporary art, highlighting the artistic pulse of the city.

Roswell’s natural landscape offers a stark and stunning beauty unique to the Chihuahuan Desert. The Bitter Lake National Wildlife Refuge, with its diverse array of wildlife and rare habitats, is a haven for birdwatchers and nature lovers. Here, amid the whispering reeds and shimmering waters, the tranquility of nature offers a resounding counterpoint to Roswell’s cosmic fame.

The city’s culinary scene is a delightful exploration of traditional Southwestern flavors, where local chile, pecans, and authentic Mexican cuisine play starring roles. Roswell’s eateries, ranging from quaint diners to sophisticated restaurants, invite you to savor the rich tastes and warm hospitality that are hallmarks of this region.

Community life in Roswell thrives through its festivals and events. The annual Roswell UFO Festival draws visitors from around the globe, celebrating the city’s unique place in UFO history with a blend of fun, education, and entertainment. Local events like the Eastern New Mexico State Fair and the Roswell Jazz Festival showcase the city’s diverse interests and talents, from agriculture to music.

In Roswell, education and progress are intertwined with tradition. The city’s schools and Eastern New Mexico University-Roswell campus foster a spirit of learning and exploration, preparing the next generation for the future while remaining rooted in the rich soil of the Southwest.

Discover Roswell, New Mexico, a city where the mysteries of the universe meet the grounded beauty of desert life. Whether you’re drawn by its otherworldly fame, captivated by its historical depth, or enchanted by its natural splendor, Roswell invites you to be part of a story that spans from the cosmic to the core of the American Southwest. Welcome to Roswell, where every star in the sky and grain of desert sand tells a tale of wonder, history, and the enduring spirit of exploration.

Understanding Mobile Home Insurance in New Mexico

Understanding Mobile Home Insurance in New Mexico

Understanding the Essentials:

Mobile and manufactured homes in New Mexico are popular, affordable housing choices that, like traditional homes, need insurance for protection. Coverage typically includes damages to the home, personal property, and liability in case of injuries on the property.

Choosing the Right Policy:

It’s crucial to pick insurance that reflects the specific needs of your mobile home based on location, age, and other factors like claims history and credit score.

Finding Your Insurance Provider

Select an insurer with a strong reputation for mobile home coverage. Options range from national providers to local specialists.

Finding Your Insurance Provider

Offers financial protection if someone gets hurt on your property.

Secures your belongings against theft or disaster-related damage.

Consider coverage for extra costs if you’re displaced from your home due to a covered event.

Ensure your policy aligns with the unique aspects of your mobile or manufactured home, taking into account New Mexico’s specific conditions and risks.

Insurance Rates:

Factors like location and the home’s condition can influence your insurance premium, which averages around $1,000 annually in New Mexico.

Discounts and Savings:

Look out for discounts that can lower your premium, such as those for safety features or bundled policies.

Filing a Claim:

In case of damage, contact your insurer immediately, document repairs, and keep all receipts.

General Facts about Mobile Home Insurance in New Mexico

General Facts about Mobile Home Insurance in New Mexico

If you’re looking to include your manufactured home as part of your property in New Mexico, the NM 16 Endorsement has got you covered. It ensures your cozy prefab or mobile home is part of the “land” mentioned in your policy. Just make sure everything’s lined up—ownership, location, and that it’s snugly attached to your land (we’re talking no wheels and hooked up to utilities). And hey, don’t forget to check that any old titles are canceled and taxes are cleared. If it’s assessed as real property, you’re all set. This way, you can relax knowing your home sweet (manufactured) home is insured and secure.

Compliance with Local Laws: It’s not just about having insurance; it’s about ensuring your coverage meets the specific standards set by New Mexico law, ensuring that your mobile home is properly classified and protected under state regulations.

Customizing Your Safety Net: Whether it’s liability coverage for unforeseen accidents or comprehensive protection for personal belongings, tailoring your insurance to fit your lifestyle is key to enjoying peace of mind in your mobile home.

These sections aim to guide mobile homeowners in New Mexico through the various aspects of obtaining and understanding the insurance necessary to protect their unique homes and the lifestyle they cherish.

Coverage Options for Mobile Home Insurance in New Mexico

Here's a list of coverage options that are typically available for mobile and manufactured home insurance in New Mexico:

Coverage Options for Mobile Home Insurance in New Mexico

  • Dwelling Coverage: Protects the physical structure of your mobile or manufactured home from covered damages.
  • Personal Property Coverage: Safeguards your belongings inside the home in the event of theft, loss, or damage.
  • Liability Protection: Offers financial protection against legal responsibility if someone is injured on your property.
  • Additional Living Expenses: Helps cover the cost of temporary housing if your home is uninhabitable due to a covered loss.
  • Extended Coverage: Provides protection for structures attached to your home, like porches or carports.
  • Trip Collision Coverage: For mobile homes that will be moved, this covers damage that may occur during transit.
  • Fire Department Service Charge Coverage: Covers the charges incurred if the fire department is called to save or protect your home.
  • Flood Insurance: Separate from standard policies, necessary for homes in flood-prone areas.
  • Earthquake Coverage: Special coverage for damages caused by earthquakes, which may be a consideration in certain parts of New Mexico.
  • Scheduled Personal Property Endorsement: Additional coverage for high-value items such as jewelry, electronics, or art.

Remember to discuss with your insurance provider to tailor your coverage based on your specific needs and the location of your home in New Mexico.

Do I Need Mobile Home Insurance in New Mexico?

Do I Need Mobile Home Insurance in New Mexico?

While not mandatory in New Mexico, insurance is a wise choice, especially if you have a mortgage on your mobile home. With the heightened risks of wildfires as a stark reality, having mobile home insurance becomes not just a precaution but a necessity. The state’s increasing wildfire risk, which has led to an insurance bubble, signifies the urgency for homeowners to secure coverage that can help rebuild and recover in the event of such disasters. Mobile home insurance offers a safety net against these unpredictable forces of nature, ensuring that you have the means to restore your home and possessions while also providing vital liability protection.

Given New Mexico’s susceptibility to wildfires, it’s a prudent step to safeguard your investment and secure your family’s well-being. Choose wisely to ensure your peace of mind in the Land of Enchantment.

RV Insurance in New Mexico: A Guide for Outdoor Enthusiasts

RV Insurance in New Mexico: A Guide for Outdoor Enthusiasts

RV Insurance Essentials in New Mexico

  • Liability Coverage: This is mandatory and covers bodily injuries and property damage in the event of an accident.
  • Comprehensive and Collision: These options protect against physical damage to the RV, with settlement choices like Stated Value, Agreed Value, or Replacement Cost.
  • Vacation Liability: Useful when the RV is used as a temporary residence.
  • Personal Effect Coverage: Insures items within the RV against damage or loss.
  • Roadside Assistance: Provides help 24/7 for breakdowns or accidents.

Cost of RV Insurance:
  • Premiums can vary, with an average around $125 per month, influenced by factors like RV type, age, and usage.
Saving on Premiums:
  • Discounts for safe driving, original ownership, or bundling policies can lower insurance costs.
  • Insuring multiple items with a single company can lead to savings.

Why Rental Insurance Is Key:
  • RV rental insurance in New Mexico covers you for collision damage and liability, ensuring you’re not paying out of pocket for damages during your rental period.
Choosing the Right Rental Insurance:
  • Determine if your auto insurance extends to RV rentals.
  • Consider the RV’s value and your chosen deductible.
  • Look for comprehensive coverage options that suit your needs.
Finding the Best Provider:
  • Compare quotes from multiple companies.
  • Check if your personal possessions are covered by your home insurance while in the RV.

Safeguarding Against Natural Risks: New Mexico’s unique landscape presents certain risks, such as wildfires and flash floods, which are particularly relevant for RV owners. RV insurance is crucial in New Mexico to protect against the financial repercussions of these natural events.

Understanding RV Insurance Policy Types

A foundational coverage that’s legally required, it protects you from the costs associated with damage or injuries you may cause to others.

These coverages are vital for the protection of your RV itself, offering financial protection against a wide range of potential damages, from accidents to environmental hazards.

For the belongings inside your RV, this coverage ensures that you’re compensated for losses due to theft or damage, making it essential for peace of mind while you’re on the road.

Given the vast and remote areas of New Mexico, having a policy that includes roadside assistance can be a lifesaver if you find yourself stranded due to mechanical failure.

Special Considerations for RV Rentals in New Mexico

Special Considerations for RV Rentals in New Mexico

When renting an RV, insurance is not just a formality but a necessity that covers liability and collision, safeguarding your journey across the diverse terrains of New Mexico.

Whether you’re renting for a short trip or an extended period, ensure your rental insurance is tailored to your itinerary and the specific challenges you may encounter in New Mexico.

Unique Considerations for New Mexico Mobile Home Insurance

Unique Considerations for New Mexico Mobile Home Insurance

Proactive Protection for Your Home: In New Mexico, the arid climate increases the risk of wildfires, making it essential for owners of mobile, manufactured, and modular homes to ensure their insurance policies include coverage for such environmental damages. This coverage can help rebuild or repair your home without the financial stress that typically follows a natural disaster.

An Essential Add-On in Prone Areas: Given the risk of flash floods in certain regions, it’s critical to have flood insurance as an endorsement, as standard policies often exclude flood damage. This addition can be crucial in safeguarding your home against the destructive power of sudden water influx.

Securing Stability Against the Shakes: While less frequent, New Mexico can experience seismic activity. Earthquake insurance endorsements for mobile homes, which are particularly vulnerable to ground movement, can provide peace of mind and financial security.

Tailored Coverage for Your Treasures: Due to the mobile nature of these homes, ensuring your policy includes coverage for personal property, with specific endorsements for high-value items like electronics, jewelry, and family heirlooms, is crucial in New Mexico, where break-ins and theft can occur.

Unique Landscapes, Unique Liabilities: New Mexico’s varied terrain can pose unique liability risks, from uneven ground causing injuries to guests to overhanging trees damaging neighbor’s property. A comprehensive liability coverage tailored to the unique aspects of your property’s terrain is an important consideration for homeowners.

Choosing the Right Mobile Home Coverages for Roswell, NM

Choosing the Right Mobile Home Coverages for Roswell, NM

  • Description: While less frequent than in other parts of the U.S., Roswell still has a notable risk of tornadoes.
  • Implications:
    • Safety Plans: Mobile/manufactured homeowners and RV owners should have a tornado safety plan, including knowing the nearest shelter.
    • Structural Risks: These homes are particularly vulnerable to tornadoes. Regular inspection and maintenance are crucial.

  • Description: Hail, sometimes large, is a common occurrence in Roswell, NM.
  • Implications:
    • Property Damage: Potential for significant damage to the exterior of mobile/manufactured homes and RVs. Using protective coverings or shelters when hail is forecasted is advisable.
    • Vehicle Protection: RV owners should consider protective measures for their vehicles during hailstorms.

  • Description: Capable of producing damaging winds and heavy rains.
  • Implications:
    • Wind Damage: Securing outdoor items and ensuring the stability of the home is key.
    • Flood Risk: Awareness of local flooding areas and preparation for potential water intrusion.

  • Description: Although the risk is very low, there is a volcano nearby.
  • Implications:
    • Awareness and Preparedness: Staying informed about volcanic activity and having an evacuation plan.

  • Description: Hail, thunderstorms, and occasional wildfires also pose risks.
  • Implications:
    • Hail Protection: Use protective coverings for vehicles and vulnerable parts of homes.
    • Wildfire Preparedness: Maintain a defensible space around homes and be prepared for evacuation.
    • Thunderstorm Safety: Install surge protectors and avoid outdoor activities during storms.

Residents in mobile/manufactured homes and RVs in Roswell, NM, should take these weather hazards seriously and prepare accordingly. This includes staying informed, ensuring homes are well-maintained, and having plans in place for evacuation or sheltering during severe weather events.

Crime Rates

Crime Rates

  • Overall Crime Rate: 45 per 1,000 residents.
  • Chance of Being a Victim in Roswell: 1 in 22.
  • State Comparison (New Mexico): Higher than 95% of New Mexico communities.

  • Rate: 1 in 121 residents.
  • Chance of Being a Victim: One in 121.
  • Types Tracked: Rape, murder, non-negligent manslaughter, armed robbery, aggravated assault.
  • National Comparison: One of the highest violent crime rates in the nation.

  • Rate: 37 per 1,000 residents.
  • Chance of Being a Victim: One in 27.
  • Types Tracked: Burglary, larceny over fifty dollars, motor vehicle theft, and arson.
  • National Comparison: Above average property crime risk.

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We do insurance better. And here’s how.

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Are you in Roswell, NM, looking for mobile home insurance?

RV Navigation in Mountainous Terrain

Prepare for driving your RV in New Mexico's mountainous areas. Consider additional RV insurance for navigating challenging terrains.

Monsoon Season Preparedness

Prepare for sudden heavy rains and flash floods common in monsoon season. Ensure proper sealing and waterproofing of your mobile home or RV.

Mobile Home Roof Maintenance

Regularly inspect and maintain roofs to withstand New Mexico's climate. Consider reflective coatings to reduce heat absorption.

Cultural Event RV Travel Tips

Visit New Mexico's cultural events in your RV. Be aware of parking regulations and respect local customs.

Pest Control in Arid Environments

Implement pest control measures suited for New Mexico's arid climate. Regularly inspect for common pests like scorpions and ants.

Efficient Heating Solutions for Mobile Homes

Invest in energy-efficient heating systems suitable for colder nights. Regular maintenance of heating systems is crucial.

New Mexico Mobile & Manufactured Home Facts

Mobile & Manufactured Home Living in New Mexico: A Snapshot

New Mexico Mobile & Manufactured Home Facts

  • Widespread Affordability: With 145,087 occupied mobile homes, representing 18.6% of New Mexico’s housing, mobile homes offer an accessible route to homeownership, especially vital in an economy that presents many with financial challenges.
  • Value Variances Across Cities: The worth of these homes varies significantly across major cities — from Albuquerque’s average of $43,922 to Rio Rancho’s $99,002, highlighting a diverse market that can cater to various financial capabilities.
  • Community Sizes: The average manufactured home community has 104 homes, with most established around 1976.

  • A Rich Heritage: Mobile homes have been part of New Mexico’s housing fabric since the 1940s, evolving significantly to meet modern living standards while retaining their historical charm.
  • Community Sizes and Amenities: The average manufactured home community in New Mexico consists of 104 homes, with developments typically dating back to 1976, offering a blend of vintage appeal and contemporary conveniences.

  • Navigating the Buying Journey: The New Mexico Manufactured Housing Association plays a pivotal role in guiding potential buyers through the process, from selecting the right home to understanding financing options.
  • Regulatory Framework for Peace of Mind: State standards ensure all manufactured homes are built safely and to industry benchmarks, providing consumers with confidence in their investments.

  • Strict Transport Guidelines: New Mexico mandates a comprehensive checklist and route survey for mobile home transportation, ensuring every move is conducted safely and efficiently.
  • Zoning and Setup Regulations: Prospective homeowners must navigate local zoning laws and, interestingly, pass a homeowner’s examination for set-up and foundation, reflecting the state’s commitment to safety and proper installation.

  • Titling for Legal Clarity: Mobile homes are titled similarly to vehicles, but once placed on a permanent foundation and the wheels are removed, they can be reassessed as real property, affecting taxation and ownership rights.
  • Consumer Protection in Disputes: The state manages a dispute resolution program to address any issues with manufactured homes, ensuring consumer rights are upheld and assistance is readily available.

  • The Importance of Adequate Coverage: With environmental risks like wildfires posing a threat, mobile home insurance is not just a financial safeguard but a crucial aspect of responsible homeownership in New Mexico.
  • Customized Insurance Options: Policies must be tailored to the unique risks presented by the local climate, including additional coverage for floods, earthquakes, and personal valuables.

By understanding these facets of mobile and manufactured home ownership in New Mexico, prospective buyers can make informed decisions and invest in homes that not only meet their budget but also provide security and a sense of community.

Reverse mortgage loans offer a unique financial solution for homeowners, and for those living in manufactured homes, it’s essential to adhere to specific guidelines to qualify. Reverse mortgages allow homeowners aged 62 and older to convert part of their home equity into cash while retaining homeownership.

Manufactured homes must comply with Federal Housing Administration (FHA) standards to be eligible. Key requirements include being a double-wide or larger, built post-1976, affixed to a permanent foundation, and classified as real property. Additions must be compliant with HUD standards, and the home must have never been moved. An engineer’s report is often required, and the home must have a deactivated title.

This financial tool can offer a lifeline by tapping into the home’s equity, providing owners with additional income or a lump sum to enjoy their retirement years comfortably.

Yes, according to New Mexico state law, manufactured homes MUST be assessed for property taxes. The Assessor will require a copy of the mobile home vehicle registration or title, as well as the mobile home property address or location.

Know Your Rights

Know Your Rights

Finding the Best Mobile Home Insurance in Roswell, New Mexico

Finding the Best Mobile Home Insurance in Roswell, New Mexico

It’s essential to compare quotes from various insurance providers and work with local agencies that understand Roswell’s specific risks. You also need to be vocal about being able to customize your policy to cover specific needs like monsoon or dust storm damages. Always remember to ask about any available discounts that you may be eligible for!

These are some things you should look out for in an insurance plan for Roswell:

Here are some coverage options, endorsements, and add-ons specific to Roswell, NM, that you may consider for mobile/manufactured home owners and renters, and RV owners and renters, taking into account the unique needs of the area:

Roswell experiences frequent wind and dust storms. Look for coverage options that specifically protect against damage caused by strong winds and blowing dust.


Like other parts of New Mexico, Roswell is also prone to severe thunderstorms and hailstorms. Ensure your insurance policy includes coverage for hail damage and other severe weather events common in the area.

Roswell is famous for the 1947 UFO incident. While it may not be a realistic concern, if you have unique collectibles or artifacts related to the UFO phenomenon, consider endorsements that provide specialized coverage for these items.

This would be more of a novelty endorsement, as alien abductions are not covered events. However, some providers offer tongue-in-cheek endorsements as a fun addition to policies in Roswell.

Roswell experiences occasional heavy rainfall and flooding. Look for coverage options that provide protection against water damage, including damage caused by floods, leaks, or burst pipes.

Roswell has a significant agricultural industry. If you own a farm or ranch property, consider coverage options that protect your agricultural equipment, livestock, and outbuildings against various risks.

If you live in an area with frequent wildlife crossings, such as deer or other large animals, consider endorsements that offer coverage for damages resulting from collisions with animals.

If you host events or activities related to the annual UFO Festival in Roswell, consider liability coverage options that protect you in case of accidents or injuries during the event.





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