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2407 N White Sands BlvdAlamogordo, NM 88310
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Protect What Matters Most
Whether it's your home, your family, your bike or your boat, see how Allstate can help protect the things that matter most to you in life.
What's Covered by Homeowners Insurance?
There's no stock answer to what homeowners insurance covers, as policies vary from customer to customer and from state to state. But there are some standard coverages included in most homeowners policies, such as protection for your dwelling and personal property for certain natural disasters and personal liabilities. It's important to know exactly what is and isn't covered by your policy and to understand your coverage limits. If you'd like to talk through your current policy or get coverage tailored to life in NM, I'd be happy to help.
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Rental Car Insurance
You found a great deal online for a car rental. But now you're standing at the rental counter, wondering if you need all the rental insurance offered and whether it's worth paying the higher price. Chances are you can avoid the unexpected expense, because the rental company's coverage may duplicate the auto insurance coverage you already have. Your credit card company may also offer insurance if you use their card for the rental. Avoid the confusion and stay in your vacation budget - talk to me about what's covered before you get to the rental counter.
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Does Renters Insurance Cover a Laptop Computer or Mobile Device?
You can be connected just about anywhere these days. You probably don't think much of checking your email in a coffee shop, walking around the office with your laptop computer or even watching a movie on your patio. Whether you're working at the kitchen table or finishing a project in the library, your laptop may go as many places as you do. But did you know that your renters insurance policy may be able to help if your laptop is stolen or damaged? Here are a few things to consider about protecting your laptop.
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Retirement & Life Insurance
You've planned for your retirement so that you can afford what's important to you, whether it's travel, hobbies or time with the grandkids. But have you included life insurance in your planning, too? Retirement may affect your life insurance needs, from the cost of premiums on a new budget to how long you need a policy or if you need an emergency fund. Whether retirement is around the corner or you're already enjoying your new freedom, make sure you have a life insurance policy that will fit your needs during retirement.
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Is Your Office Rental Covered?
Renting an office for your business makes sense - you have the space you need without the costs or maintenance of owning the building. But relying on the landlord's insurance to cover your business if a fire or break-in should occur is not a savvy decision. The landlord's policy typically covers the building but not your company's equipment or the business if there is an accident in the office. Whether it's making sure your computers would be replaced or recouping potential losses after a disaster, let's talk about insuring your business before you sign that lease.
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Safety Vs. Style
The choice between stylish riding gear and truly protective gear should be easy - whatever makes it more likely you'll walk away from an accident safely. Thankfully there is a lot of gear that is both safe and stylish these days. And while I certainly hope you're never in an accident, choosing your protective wear wisely can make a big different if you are. From helmet guidelines to leather jackets to armor, here are some helpful tips on choosing the right gear for your ride.
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Renting A Motorhome?
Whether it's for a weekend getaway or a summer touring the country, renting a motorhome can be a great way to travel. While you're researching the motorhome and rental company that are right for your trek, don't forget to look into insurance, too. Your current auto and homeowners policies may offer some coverage for a motorhome rental, but supplemental insurance can be a good idea. Here are the basics on what your policies may cover and why you might want to consider additional insurance before hitting the road.
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Fire Damage To Your Condo
Living in a condominium has its perks, especially if the condo board manages upkeep of the building. But you're still at risk when things go wrong in common areas or neighboring units, especially when it comes to a fire. The damage can be hard enough to deal with, but you could also be left wondering whose insurance will cover the costs of repairs and replacing your belongings. While you hopefully never experience a fire in or near your condo, it is important to be familiar with not only your condo insurance's fire coverage but also with the association's coverage.
Learn More Javier Lerma is insurance licensed in the state(s) of New Mexico and Texas. If you do not reside in the state(s) of New Mexico or Texas, please go to the Find an Agent section on allstate.com to search for another Allstate Agent or Personal Financial Representative.
Subject to terms, conditions & availability.
This material is intended for educational purposes only. Auto and homeowners insurance, and other property and casualty insurance products, are available from Allstate Insurance Company, Allstate Indemnity Company, Allstate Property and Casualty Insurance Company and Allstate Fire and Casualty Insurance Company (Home Offices: Northbrook, IL); Allstate New Jersey Insurance Company and Allstate New Jersey Property and Casualty Insurance Company (Home Offices: Bridgewater, NJ); and Allstate County Mutual Insurance Company and Allstate Texas Lloyd's (Home Offices: Irving, TX). Life insurance issued by Allstate Life Insurance Company: Northbrook, IL; and American Heritage Life Insurance Company: Jacksonville, FL. In New York, Allstate Life Insurance Company of New York: Hauppauge, NY. Securities offered by Personal Financial Representatives through Allstate Financial Services, LLC (LSA Securities in LA and PA). Registered Broker-Dealer. Member FINRA, SIPC. Main Office: 2920 South 84th Street, Lincoln, NE 68506. (877) 525-5727.
Check the background of this firm on FINRA's BrokerCheck website.
Subject to terms, conditions & availability.
This material is intended for educational purposes only. Auto and homeowners insurance, and other property and casualty insurance products, are available from Allstate Insurance Company, Allstate Indemnity Company, Allstate Property and Casualty Insurance Company and Allstate Fire and Casualty Insurance Company (Home Offices: Northbrook, IL); Allstate New Jersey Insurance Company and Allstate New Jersey Property and Casualty Insurance Company (Home Offices: Bridgewater, NJ); and Allstate County Mutual Insurance Company and Allstate Texas Lloyd's (Home Offices: Irving, TX). Life insurance issued by Allstate Life Insurance Company: Northbrook, IL; and American Heritage Life Insurance Company: Jacksonville, FL. In New York, Allstate Life Insurance Company of New York: Hauppauge, NY. Securities offered by Personal Financial Representatives through Allstate Financial Services, LLC (LSA Securities in LA and PA). Registered Broker-Dealer. Member FINRA, SIPC. Main Office: 2920 South 84th Street, Lincoln, NE 68506. (877) 525-5727.
Check the background of this firm on FINRA's BrokerCheck website.
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