Insurance Education & Resources
Practical guides written in plain English — so you can understand your coverage before you need it.
Sierra Blanca from Alto, NM · Photo: Jonathan Cutrer (CC BY 2.0)
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Insuring a Lincoln County Ranch: Livestock, Outbuildings, and the Fire Next Door
Lincoln County has 359 farms averaging nearly 4,000 acres. A homeowners policy stops at the yard — what a ranch policy covers, and where fire lives.
Rebuilding After the Fire: What Builder's Risk Covers (And Who Needs It)
Lincoln County authorized 111 new homes in 2025, many replacing houses lost to fire. A half-built house is the most exposed structure on the mountain.
One in Four New Mexico Drivers Is Uninsured. Here's What That Means for Your Auto Policy
New Mexico has the second-highest uninsured motorist rate in the country. The coverage that protects you is cheap, optional, and routinely set too low.
Why We Can't Bind Your Policy While a Fire Is Burning
Carriers block new coverage near an active wildfire or flood until it is contained. How binding restrictions work, and why you buy before the smoke.
Non-Renewed in New Mexico? Here's What Actually Happens Next
Over 10,000 New Mexico homeowners were non-renewed in three and a half years. What the letter means, your timeline, and the steps before it lapses.
The New Mexico FAIR Plan, Explained (And Why It May Not Be Enough for Your Mortgage)
Thousands of New Mexico homeowners now carry the state's insurer of last resort. Here is what the FAIR Plan is, what changed in 2025, and what it still leaves out.
Burn Scars and Flash Floods: Why Your Flood Zone Map Is Out of Date
The Rio Ruidoso set an all-time record in July 2025, and most homes that flooded sat outside a mapped flood zone. What a burn scar does to a watershed.
Can You Still Get Home Insurance in Ruidoso? What Carriers Look For Now
After two fires and a flood, most Lincoln County homeowners have been non-renewed at least once. What the carriers still writing here actually score.
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