# The Jemez Insurance Agency > Compare multiple insurance quotes from your local independent insurance agency. The Jemez Insurance Agency serves Los Alamos, Santa Fe, and all of New Mexico. ## Sitemap - [Sitemap](https://www.thejemezagency.com/sitemap.xml): Contains all public and indexable URLs for this website. ## Pages - [How an Insurance Agent Shops for Their Own Family](https://www.thejemezagency.com/how-an-insurance-agent-shops-for-their-own-family/): When an insurance agent sits down to shop for their own family, they aren’t just looking at the monthly premium. They know that a “cheap”... - [How Insurance Companies Actually Determine Your Rate (And How to Lower It Without Cutting Coverage)](https://www.thejemezagency.com/how-insurance-companies-actually-determine-your-rate/): Most people think their insurance rate is based on just their driving record or the type of car they own. The truth is far more complex. Insurance com... - [The Smarter Way to Be Insured](https://www.thejemezagency.com/the-smarter-way-to-be-insured/) - [Independent Insurance Agent in Santa Fe, NM (How It Works and When It Matters)](https://www.thejemezagency.com/independent-insurance-agent-santa-fe/): An independent insurance agent in Santa Fe, New Mexico is a licensed professional who works with multiple insurance companies instead of just one. Thi... - [Auto Insurance in Santa Fe, NM (What Most People Miss)](https://www.thejemezagency.com/auto-insurance-santa-fe-nm/): If you are looking for car insurance in Santa Fe, New Mexico, the most effective way to find the right coverage is to compare multiple insurance compa... - [Instant Quote](https://www.thejemezagency.com/instant-quote/): Generate a Custom Quote Your information stays private. We never sell or share your details — your quote is secure and seen only by our licensed... - [Did You Know?](https://www.thejemezagency.com/did-you-know/): New Mexico is the fourth largest state for uninsured motorists with an estimated 21.8% of drivers driving uninsured, based on the latest study from th... - [Client Services](https://www.thejemezagency.com/client-services/): Login To Your Account, Report A Claim, or Pay Your Bill Online. Find Your Provider Below: Account Login Account Login Account Login Account Login Acco... - [ERIE’s YourTurn® Rewards Program](https://www.thejemezagency.com/eries-yourturn-rewards-program/): Every year, distracted driving causes thousands of deaths in the U.S. By measuring certain criteria like speeding, braking and phone usage, the YourTu... - [Accessibility Statement](https://www.thejemezagency.com/accessibility-statement/): The Jemez Insurance Agency recognizes the importance of ensuring our website is accessible to those with disabilities. We are committed to making our... - [Thank You](https://www.thejemezagency.com/secure-quote-request/thank-you/): Your information has been submitted. A representative will contact you shortly about your request. - [Thank You](https://www.thejemezagency.com/thank-you/): Your information has been submitted. A representative will contact you shortly about your request. Thank You. - [FAQs](https://www.thejemezagency.com/support/insurance-resources/faqs/): Get answers to some of our most important commonly asked questions that will help you make good decisions here. Each section is grouped by insurance t... - [Insurance Resources Glossary](https://www.thejemezagency.com/support/insurance-resources/glossary/): This is a list of terms designed to assist you while shopping or learning about insurance. It is not meant to be all-inclusive but should help with yo... - [Write a Review](https://www.thejemezagency.com/write-a-review/): We appreciate you taking the time to share your feedback! - [Secure Staff Contact Form](https://www.thejemezagency.com/secure-staff-contact-form/): We would love to hear from you! Please fill out this form and we will get in touch with you shortly. - [Annual Insurance Review](https://www.thejemezagency.com/support/annual-insurance-checklist/) - [Refer a Friend](https://www.thejemezagency.com/refer-a-friend/): Thank you for trusting us with your referrals. We promise to give them the same excellent service we have given you! - [Secure Quote Request](https://www.thejemezagency.com/secure-quote-request/) - [Secure Contact Form](https://www.thejemezagency.com/secure-contact-form/): Please complete this form and a member of our team will contact you as soon as possible. - [Home Page](https://www.thejemezagency.com/): Compare multiple insurance quotes from your local independent insurance agency. The Jemez Insurance Agency serves Los Alamos, Santa Fe, and all of New Mexico. - [Blog](https://www.thejemezagency.com/blog/) - [Auto ID Card Request](https://www.thejemezagency.com/support/auto-id-card-request/): Fill out the following form as completely as possible. Once you have completed the form, click “Submit Card Request” to send your informat... - [Certificate of Insurance Request](https://www.thejemezagency.com/support/certificate-of-insurance-request/): You have the option of requesting Certificates of Insurance on the following electronic form. It is important to include as much information as possib... - [Policy Change Request](https://www.thejemezagency.com/support/policy-change-request/): The following form is provided to you for making changes or requests on your existing policies. By submitting this form you understand that no coverag... - [Copyrights and Privacy Statement](https://www.thejemezagency.com/copyrights-and-privacy-statement/): 1. Authorization of Use The Jemez Insurance Agency (“we,” “us,” or “our”) authorizes you to access and use this website for informational purposes rel... - [Insurance Resources](https://www.thejemezagency.com/support/insurance-resources/): As an insurance customer, you deserve excellent service and information to assist you in choosing the insurance coverage you need to protect your fami... - [File A Claim](https://www.thejemezagency.com/support/file-a-claim/): The Jemez Insurance Agency is here to help you every step of the way to make your claim experience as simple and convenient as possible. - [Online Billing & Payments](https://www.thejemezagency.com/support/online-billing-payments/): The Jemez Insurance Agency makes it convenient to pay your insurance premiums directly with your insurance company. - [Support](https://www.thejemezagency.com/support/): Our support center allows policyholders to request policy changes, report claims, and make payments directly to your insurance company. - [About Us](https://www.thejemezagency.com/about-us/): Compare multiple insurance quotes from The Jemez Insurance Agency today. We're your local independent insurance agency, serving all of New Mexico. ## Posts - [When the Monsoon Rolls In: Getting Your Home Ready Before the First Big Storm](https://www.thejemezagency.com/when-the-monsoon-rolls-in-getting-your-home-ready-before-the-first-big-storm/): The sky is clear all morning. Then around three o’clock the clouds start stacking up dark over the mountains, the wind kicks up, and ten minutes... - [Before You Load Up the Car: What Your Auto Coverage Does on a Summer Road Trip](https://www.thejemezagency.com/before-you-load-up-the-car-what-your-auto-coverage-does-on-a-summer-road-trip/): The cooler’s packed, the kids are already arguing over the back seat, and you’ve got a route mapped to Durango, or the Grand Canyon, or do... - [Protecting Your Home from New Mexico’s Spring Winds](https://www.thejemezagency.com/protecting-your-home-from-new-mexicos-spring-winds/): Spring in New Mexico often brings beautiful weather, warmer afternoons, and unfortunately, some of the strongest winds of the year. In places like Alb... - [Northern New Mexico Fire Season Outlook (2026)](https://www.thejemezagency.com/northern-new-mexico-fire-season-outlook-2026/): If you’ve felt like winter never really showed up this year, you’re not imagining it—and that’s exactly why fire officials are paying close attention... - [Why AI Might Not Be the Best Tool for Shopping Insurance](https://www.thejemezagency.com/why-ai-might-not-be-the-best-tool-for-shopping-insurance/): AI is quickly becoming a go to resource for answers, comparisons, and recommendations. In many situations, it works well. But when it comes to shoppin... - [Umbrella Coverage: The Ultimate Protection for Wealth](https://www.thejemezagency.com/umbrella-coverage-the-ultimate-protection-for-wealth/): At a certain point, building wealth becomes less about earning and more about protecting what you’ve already built. That’s exactly where umbrella cove... - [Captive vs. Independent Agents: The Decision That Quietly Shapes Your Financial Protection for Years](https://www.thejemezagency.com/captive-vs-independent-agents-the-decision-that-quietly-shapes-your-financial-protection-for-years/): Most people never think twice about who they buy insurance from. They compare a few prices, recognize a brand name, and sign up. Simple enough. But th... - [How Insurance Companies Actually Determine Your Rate (And How to Lower It Without Cutting Coverage)](https://www.thejemezagency.com/how-insurance-companies-actually-determine-your-rate-and-how-to-lower-it-without-cutting-coverage/): Most people think their insurance rate is based on just their driving record or the type of car they own. The truth is far more complex. Insurance com... - [Why Driving in Los Alamos Is Unlike Anywhere Else](https://www.thejemezagency.com/why-driving-in-los-alamos-is-unlike-anywhere-else/): Los Alamos isn’t just a town, it’s a landscape. The roads wind through canyons, hills, and mesas, where weather and wildlife create challenges that ou... - [How “Good Driver” Discounts Actually Work (And Why They’re Not What You Think)](https://www.thejemezagency.com/how-good-driver-discounts-actually-work-and-why-theyre-not-what-you-think/): “Good driver discount” sounds simple.Drive safely, pay less.That’s true… but not in the way most people think.It’s Not About Being “Good” — It’s About... - [The Parts of Your Policy That Matter More Than Your Monthly Price](https://www.thejemezagency.com/the-parts-of-your-policy-that-matter-more-than-your-monthly-price/): Most people shop insurance the same way they shop a subscription.“What’s the monthly cost?” It feels logical.But it’s often the least important part o... - [Insurance Trends in Santa Fe, NM](https://www.thejemezagency.com/insurance-trends-in-santa-fe-nm/): Quick Answer Insurance in Santa Fe is changing due to rising repair costs and regional risks. Key Changes Higher repair costs More claims Pricing vari... - [Independent Agency vs State Farm](https://www.thejemezagency.com/independent-agency-vs-state-farm/): Quick Answer Independent agencies provide multiple options, while State Farm offers one company’s policies. Takeaway Independent agencies allow for mo... - [Independent Agency vs GEICO](https://www.thejemezagency.com/independent-agency-vs-geico/): Quick Answer Independent agencies compare multiple companies, while GEICO offers only its own policies. Differences Independent Agency Multiple option... - [Why Two People With the Same Car Pay Completely Different Prices](https://www.thejemezagency.com/why-two-people-with-the-same-car-pay-completely-different-prices/): Direct Answer: Car insurance prices vary between individuals because insurance companies evaluate risk based on multiple personal and regional factors... - [What “Full Coverage” Doesn’t Tell You](https://www.thejemezagency.com/what-full-coverage-doesnt-tell-you/): Direct Answer: “Full coverage” is not a specific insurance policy. It typically includes liability, collision, and comprehensive coverage, but it does... - [Why Car Insurance Prices in New Mexico Keep Changing](https://www.thejemezagency.com/why-car-insurance-prices-in-new-mexico-keep-changing/): Direct Answer: Car insurance prices in New Mexico change frequently because insurance companies continuously adjust rates based on claims data, repair... - [The $2,000 “Fender Bender” That Used to Cost $200](https://www.thejemezagency.com/the-2000-fender-bender-that-used-to-cost-200-2/): Direct Answer: Minor car accidents cost significantly more today than they did 10–15 years ago, primarily due to advanced vehicle technology, expensiv... - [The $2,000 “Fender Bender” That Used to Cost $200](https://www.thejemezagency.com/the-2000-fender-bender-that-used-to-cost-200/): A small parking-lot bump used to mean a quick trip to the body shop and maybe a couple hundred dollars in repairs. Today, that same minor accident can... - [Why Wildfire Risk Is Changing Home Insurance in the Southwest](https://www.thejemezagency.com/why-wildfire-risk-is-changing-home-insurance-in-the-southwest/): Many homeowners are surprised to learn that wildfire risk is now one of the biggest forces shaping home insurance prices and availability across the r... - [How Insurance Companies Actually Determine Auto Rates](https://www.thejemezagency.com/how-insurance-companies-actually-determine-auto-rates/): How Insurance Companies Actually Determine Auto Rates Most people assume a car insurance quote is simple: plug in a few details, get a price.In realit... - [How Your Gender, Age, and Marital Status Affect Insurance Rates](https://www.thejemezagency.com/how-your-gender-age-and-marital-status-affect-insurance-rates/): How Your Gender, Age, and Marital Status Affect Insurance Rates (And When It Finally Stops Mattering) Most people don’t think about their personal det... - [Why Some Cars Keep Their Value — and Others Tank Immediately](https://www.thejemezagency.com/why-some-cars-keep-their-value-and-others-tank-immediately/): If you’ve ever wondered why some cars seem to hold their worth while others lose half their value the moment you drive off the lot, you’re not alone.... - [How “Peace of Mind” Became the Most Misunderstood Product in America](https://www.thejemezagency.com/how-peace-of-mind-became-the-most-misunderstood-product-in-america/): You hear it in almost every commercial. “Protect what matters.” “Get peace of mind.” It’s become the go-to phrase for selling everythin... - [Why “Full Coverage” Often Isn’t What You Think It Is](https://www.thejemezagency.com/why-full-coverage-often-isnt-what-you-think-it-is/): If you’ve ever told someone you have “full coverage,” you’re not alone. It’s one of the most common phrases in the insurance world—and one of the most... - [What We Wish Every Client Knew About Insurance Agents](https://www.thejemezagency.com/what-we-wish-every-client-knew-about-insurance-agents/): Most people think insurance agents just sell policies and collect commissions. The reality is far more complex. Here’s what we wish every client... - [Why the Cheapest Policy Often Costs You the Most](https://www.thejemezagency.com/why-the-cheapest-policy-often-costs-you-the-most/): A Reminder That in Insurance — Like in Life — You Often Get What You Pay For It’s human nature to look for a deal.Whether it’s groceries, travel, or a... - [What Exactly Is Road Rage?](https://www.thejemezagency.com/what-exactly-is-road-rage/): What Exactly Is Road Rage? Road rage isn’t just getting mad behind the wheel. It refers to aggressive driving that escalates into intentional act... - [Do You Have Enough Coverage to Rebuild in 2025?](https://www.thejemezagency.com/do-you-have-enough-coverage-to-rebuild-in-2025/): Why Homeowners Should Be Asking This Right Now Imagine waking up to news of a wildfire, flood, or major storm nearby. It’s the kind of story that remi... - [5 Things That May Be Missing from Your Home Insurance Policy](https://www.thejemezagency.com/5-things-that-may-be-missing-from-your-home-insurance-policy/): Why Reviewing Your Coverage Matters More Than You Think Homeowners often assume they’re fully protected — but insurance isn’t one-size-fits-all.Here a... - [Can Parking or Speeding Tickets Affect Your Car Insurance Rates?](https://www.thejemezagency.com/can-parking-or-speeding-tickets-affect-your-car-insurance-rates/): What Drivers Should Know Before Paying That Fine Almost every driver has been there — a surprise ticket under the wiper or a fine arriving in the mail... - [What to Do If a Neighbor’s Tree Damages Your Property](https://www.thejemezagency.com/what-to-do-if-a-neighbors-tree-damages-your-property-2/): Understanding Liability — and Protecting Yourself the Right Way A strong storm hits. You look outside — and there it is. A huge branch (or even the wh... - [Smart Devices That Lower Your Home Insurance (And the Ones That Don’t)](https://www.thejemezagency.com/smart-devices-that-lower-your-home-insurance-and-the-ones-that-dont/): What’s Worth Installing — and What’s Just Hype Smart home technology has changed how we live — and in some cases, it’s also changing how much we pay f... - [What Happens If You Lend Your Car to a Friend and They Crash?](https://www.thejemezagency.com/what-happens-if-you-lend-your-car-to-a-friend-and-they-crash/): What You Should Know Before Handing Over the Keys It’s a familiar situation: a friend’s car is in the shop, a family member needs a quick errand, or s... - [Should You File a Claim?](https://www.thejemezagency.com/should-you-file-a-claim/): When It Makes Sense — and When It Might Backfire Something unexpected happens. A fender bender. A roof leak. A broken window.It’s not catastrophic, bu... - [What to Do If a Neighbor’s Tree Damages Your Property](https://www.thejemezagency.com/what-to-do-if-a-neighbors-tree-damages-your-property/): Understanding Liability — and Protecting Yourself the Right Way A strong storm hits. You look outside — and there it is. A huge branch (or even the wh... - [How to Lose Your Identity in a Day](https://www.thejemezagency.com/how-to-lose-your-identity-in-a-day/): When our lives move quickly, we sometimes risk data security in exchange for convenience or instant gratification. However, seemingly small decisions... - [What Is a Smart Alarm System and Why Should I Consider One?](https://www.thejemezagency.com/what-is-a-smart-alarm-system-and-why-should-i-consider-one/): What is a smart alarm system? As recently as 10 years ago, consumers did not have access to technology that let them manage their own home security sy... - [Distracted Driving: Why We Do It](https://www.thejemezagency.com/distracted-driving-why-we-do-it/): We all know we shouldn’t give into distractions when driving, so why is it so tempting to reach for the phone the moment you hear that little ding? Ju... - [The Most Common DIY Mistakes That Actually Cost Homeowners More in the Long Run](https://www.thejemezagency.com/the-most-common-diy-mistakes-that-actually-cost-homeowners-more-in-the-long-run/): DIY projects can be a great way to save money—until they aren’t. While tackling home repairs yourself can seem like a cost-effective and satisfy... - [Is Your Teen Ready to Drive? What Parents Need to Know Before Handing Over the Keys](https://www.thejemezagency.com/is-your-teen-ready-to-drive-what-parents-need-to-know-before-handing-over-the-keys/): Let’s be honest—handing over the keys to your teenager is terrifying. One day, they’re in a car seat in the back; the next, they’re adjusting the mirr... - [The Hidden Cyber Risks of Filing Taxes & Handling Payments](https://www.thejemezagency.com/the-hidden-cyber-risks-of-filing-taxes-handling-payments/): Let’s be honest—tax season isn’t exactly something we look forward to. It’s stressful enough to track down paperwork, crunch numbers, and hope you did... - [When a Mechanic Messes Up: What You Can Do and What Your Options Are](https://www.thejemezagency.com/when-a-mechanic-messes-up-what-you-can-do-and-what-your-options-are/): You drop your car off at the shop, expecting to get it back in better shape. Instead, something feels off. Maybe the problem you went in for wasn’t ac... - [The Shocking Reality of Emergency Room Costs After a Car Accident](https://www.thejemezagency.com/the-shocking-reality-of-emergency-room-costs-after-a-car-accident/): Car accidents can turn an ordinary day into a nightmare in an instant. The chaos, the adrenaline, and the uncertainty of injuries often push one criti... - [The Hidden Truth About Luxury Cars: What They Don’t Tell You](https://www.thejemezagency.com/the-hidden-truth-about-luxury-cars-what-they-dont-tell-you/): Owning a luxury car seems like the ultimate reward—sleek design, cutting-edge technology, and a driving experience unlike any other. But before you co... - [Mastering Winter Roads: Drive Smart, Stay Safe](https://www.thejemezagency.com/mastering-winter-roads-drive-smart-stay-safe/): Winter driving isn’t just about getting from point A to point B—it’s about surviving the battlefield of black ice, snowdrifts, and the occasional over... - [Don’t Let Winter Turn You Into a Snowflake on Ice](https://www.thejemezagency.com/dont-let-winter-turn-you-into-a-snowflake-on-ice/): Winter is magical, but slipping on snow and ice? Not so much. Ice is fantastic in your lemonade, but when it’s under your feet and you’re doing an unp... - [The Hidden Dangers of Deferred Home Maintenance in New Mexico](https://www.thejemezagency.com/the-hidden-dangers-of-deferred-home-maintenance-in-new-mexico/): In New Mexico, where the climate ranges from arid deserts to snowy mountain regions, homeowners face unique challenges in maintaining their properties... - [High-Tech Cars: What’s New in Car Safety Features?](https://www.thejemezagency.com/high-tech-cars-whats-new-in-car-safety-features-3/): High-tech cars are here to stay. Car safety technology is evolving quickly, bringing scores of often unpronounceable abbreviations for new systems tha... - [Be prepared for a wildfire](https://www.thejemezagency.com/be-prepared-for-a-wildfire/): With wildfires raging in California and almost all of Los Alamos and parts of Santa Fe considered to be in a wildfire hazard zone, I thought I would p... - [The Naughty List: Three Holiday Scams to Watch Out for this Season](https://www.thejemezagency.com/the-naughty-list-three-holiday-scams-to-watch-out-for-this-season-2/): The most wonderful time of the year is officially upon us, but along with the hustle, bustle and holiday shopping comes a whole new wave of seasonal s... - [8 Ways to Protect Yourself Against Scams on Black Friday and Cyber Monday](https://www.thejemezagency.com/8-ways-to-protect-yourself-against-scams-on-black-friday-and-cyber-monday/): The holidays are the most wonderful time of the year, especially for scammers. Consumers are typically spending more, doing it quickly, and not paying... - [It Won’t Happen to Me…](https://www.thejemezagency.com/it-wont-happen-to-me-2/): It’s been a long, dreary and rainy workday.  On a whim, you decide to make an unspectacular day just a little bit brighter by taking the family o... - [The Science Behind Winter Driving](https://www.thejemezagency.com/the-science-behind-winter-driving/): Have you ever wondered why black ice forms, how traction control works or what causes hydroplaning? Let’s take a look at the science behind some commo... - [House fires – $1.1 Billion property damage per year](https://www.thejemezagency.com/house-fires-1-1-billion-property-damage-per-year/): With colder weather now arriving, house fires become more prevalent.  From cozy fires and candlelight dinners to space heaters to warm up a cold... - [‘Tis the Season to be Scam Savvy](https://www.thejemezagency.com/tis-the-season-to-be-scam-savvy/): It is almost time for the Thanksgiving and Christmas season, but along with the hustle, bustle and holiday shopping comes a whole new wave of seasonal... - [Pet-friendly Fall Activities for the Whole Family From Rio The Insurance Guru & The Animal Humane Society](https://www.thejemezagency.com/pet-friendly-fall-activities-for-the-whole-family-from-rio-the-insurance-guru-the-animal-humane-society/): There are a ton of ways to embrace the beauty of fall and spend quality time with your loved ones, both two-legged and four-legged. From scenic hikes... - [Fire Seasons Explained](https://www.thejemezagency.com/fire-seasons-explained/): Wildfire season typically starts in May and ends in November, with most fires occurring during the summer months. In the early 1950s, the season laste... - [8 Important Car Maintenance Services Drivers Need to Know](https://www.thejemezagency.com/8-important-car-maintenance-services-drivers-need-to-know/): Whether you’re a new or experienced driver, here are eight auto components that require regular maintenance to help you keep your vehicle in road-read... - [High-Tech Cars: What’s New in Car Safety Features?](https://www.thejemezagency.com/high-tech-cars-whats-new-in-car-safety-features-2/): High-tech cars are here to stay. Car safety technology is evolving quickly, bringing scores of often unpronounceable abbreviations for new systems tha... - [Car Safety Technologies That May Save Your Life](https://www.thejemezagency.com/car-safety-technologies-that-may-save-your-life/): We take it for granted, the automatic way we take the wheel and set out to drive from Point A to Point B expecting to have a smooth, uneventful ride.... - [What Is Flood Insurance, and What Does It Cover?](https://www.thejemezagency.com/what-is-flood-insurance-and-what-does-it-cover/): With the devastating damage coming from Hurricane Helene, I thought I would provide some of the insurance challenges these folks will be dealing with.... - [6 tips for identifying asphalt shingle damage](https://www.thejemezagency.com/6-tips-for-identifying-asphalt-shingle-damage/): Ever heard someone refer to a home as “a roof over your head”? It makes sense, because the roof is the part of your home that provides you with actual... - [5 Steps to Create a Home Inventory Checklist](https://www.thejemezagency.com/5-steps-to-create-a-home-inventory-checklist/): After a fire, burglary or another event in which you lost possessions from your home, it may be difficult to remember the details of every one of the... - [Hiring a roofer? Best practices](https://www.thejemezagency.com/hiring-a-roofer-best-practices/): Hiring a contractor to work in your home can be nerve-wracking. You have to find someone with the skills and knowledge to do the work well—and you wan... - [14 steps to protect your home from wildfire](https://www.thejemezagency.com/14-steps-to-protect-your-home-from-wildfire/): Could smoke and embers from a wildfire put your home in danger? Here’s how to stay safe. Climate change has created warmer, drier weather conditions i... - [Basic Home Maintenance Tips to Help Protect Against Water Damage](https://www.thejemezagency.com/basic-home-maintenance-tips-to-help-protect-against-water-damage-2/): If you’re a homeowner, you may be surprised to learn that the bulk of water damage to a home isn’t due to natural disasters or flooding. It’s actually... - [The Not-So-Scary Truth about the Reconstruction Cost of Your Home](https://www.thejemezagency.com/the-not-so-scary-truth-about-the-reconstruction-cost-of-your-home/): Many people believe their insurance coverage should be based on the price they paid for their home.  Others believe they’re adequately insured if... - [Choosing Safe Cars for Teens](https://www.thejemezagency.com/choosing-safe-cars-for-teens/): If your teenager has just gotten a driver’s license, it may be hard to imagine handing over the keys to your brand new car, but that may be the... - [Identifying Hail Damage to Your Roof](https://www.thejemezagency.com/identifying-hail-damage-to-your-roof/): With heavy rain falling, I thought it might be a good time to send out an article on hail and the damage it may cause. Are you aware that during a hai... - [Does Home Insurance Cover a Damaged Refrigerator?](https://www.thejemezagency.com/does-home-insurance-cover-a-damaged-refrigerator/): Your homeowners insurance policy covers much of your personal property, including large appliances, from specific perils like theft, fire or damage fr... - [Does Homeowners Insurance Cover Damage From Fallen Trees?](https://www.thejemezagency.com/does-homeowners-insurance-cover-damage-from-fallen-trees/): Heavy winds can lead to a significant increase in claims for downed trees. In 2023, severe storms and high winds caused thousands of trees to fall, le... - [School Safety Saves Lives](https://www.thejemezagency.com/school-safety-saves-lives-2/): This is the time of the year when we say goodbye to the leisurely summer traffic, and start sharing the road with hurried parents, new teen drivers, s... - [Ways to Protect Your Car from Theft](https://www.thejemezagency.com/ways-to-protect-your-car-from-theft-2/): Technology has helped to prevent auto theft in significant ways. Engine immobilizers, keyless entry and ignition, audible alarms and vehicle recovery... - [Hot Weather Safety Tips](https://www.thejemezagency.com/hot-weather-safety-tips/): We all love spending the long, sunny days of summer outdoors with our furry companions, but it’s important to remember that like any season, summer co... - [Did the hail storm cause hail damage to my roof?](https://www.thejemezagency.com/did-the-hail-storm-cause-hail-damage-to-my-roof/): Early spring is usually the kick-off to hail season.  As you are likely aware, hail can do significant damage to anything it comes in contact wit... - [How to Stop Fraud: Check for a Contractor License](https://www.thejemezagency.com/how-to-stop-fraud-check-for-a-contractor-license/): Contractor fraud is a growing issue across the country as fraudulent contractors find new and expansive methods of tricking homeowners into paying for... - [Does Homeowners Insurance Cover Fallen Trees?](https://www.thejemezagency.com/does-homeowners-insurance-cover-fallen-trees/): Homeowner’s insurance covers the cost of any damage caused by a tree falling onto your home, whereas auto insurance will cover the cost of damage from... - [How the Home Insurance Claim Process Works](https://www.thejemezagency.com/how-the-home-insurance-claim-process-works-2/): Owning a home can mean dealing with the unexpected – from a tree falling on your roof to a pipe bursting in your bathroom. Because you likely can’t pr... - [Does Car Insurance Follow the Car or the Driver?](https://www.thejemezagency.com/does-car-insurance-follow-the-car-or-the-driver/): It’s not an uncommon scenario: Your car is at the mechanic’s shop being repaired and your mother-in-law has offered her car to you until yours is road... - [Share the Road](https://www.thejemezagency.com/share-the-road/): We have all encountered scenarios in which other drivers make us shake our heads. People often are quick to accuse other drivers of being reckless, bu... - [Beware of Home Scams this Summer](https://www.thejemezagency.com/beware-of-home-scams-this-summer-2/): Summertime may be a time of relaxation and vacations for most, but unfortunately fraudulent contractors don’t take the summer months off. Instead, the... - [Telematics: 5 Reasons You Should Try “Pay How You Drive” Car Insurance](https://www.thejemezagency.com/telematics-5-reasons-you-should-try-pay-how-you-drive-car-insurance-2/): With the ongoing development of technology in cars to help us drive safely, there is an opportunity that is being offered by some insurance companies... - [7 reasons why your home insurance rates went up](https://www.thejemezagency.com/7-reasons-why-your-home-insurance-rates-went-up/): If you’re one of the many homeowners who renewed their policy last year just to find out your home insurance rates went up, here are a few reaso... - [Beware of Home Scams this Summer](https://www.thejemezagency.com/beware-of-home-scams-this-summer/): Summertime may be a time of relaxation and vacations for most, but unfortunately fraudulent contractors don’t take the summer months off. Instead, the... - [What factors can change the extent of hail damage on neighboring homes?](https://www.thejemezagency.com/what-factors-can-change-the-extent-of-hail-damage-on-neighboring-homes-3/): As the beginning of summer is approaching, now is a good time to revisit the phenomenon of hail and the possible damage it can do. As the National Sev... - [How To Prevent Vehicle Break-Ins](https://www.thejemezagency.com/how-to-prevent-vehicle-break-ins-2/): Have you ever parked your vehicle at a shopping mall, airport or other public venue and feared it may get broken into, or worse, will be gone when you... - [Tree Damage Repair](https://www.thejemezagency.com/tree-damage-repair/): A severe weather-related event can cause significant damage to the trees on your property. Learn how to repair trees that have become damaged in the a... - [Safety Tips for Riding on Two Wheels](https://www.thejemezagency.com/safety-tips-for-riding-on-two-wheels-3/): Motorcycles are a big part of summer driving. Many people prefer the freedom of two wheels on the open road during the summer months. Whether it be di... - [Dwelling Coverage vs Market Value: What’s the Difference?](https://www.thejemezagency.com/dwelling-coverage-vs-market-value-whats-the-difference/): With home values significantly rising across the country over the past few years, it’s important to understand the difference between dwelling coverag... - [What’s behind the rapid increase in car insurance rates](https://www.thejemezagency.com/whats-behind-the-rapid-increase-in-car-insurance-rates/): A lot has changed in the time since Gerald Ford was president and Steve Jobs and Steve Wozniak founded Apple. But here’s something that hasn’t changed... - [Identifying Hail Damage to Your Asphalt and Wood Shingle Roof](https://www.thejemezagency.com/identifying-hail-damage-to-your-asphalt-and-wood-shingle-roof/): Are you aware that during a hailstorm more than just your vehicles are potentially vulnerable to damage and future repairs? When hail hits, it can dam... - [FCW: Why You Want Forward Collision Warning in Your Car](https://www.thejemezagency.com/fcw-why-you-want-forward-collision-warning-in-your-car-2/): Forward-collision warning systems (FCW) are an innovative safety technology in cars that can help reduce the risk of rear-end collisions. Available wi... - [Preventing Automatic Garage Door Injuries](https://www.thejemezagency.com/preventing-automatic-garage-door-injuries-2/): Automatic garage doors. Many of us have them and probably take for granted that our garage door will open and shut with the click of a button. While t... - [SPRINGTIME DOG CARE](https://www.thejemezagency.com/springtime-dog-care/): Spring isn’t just about sprucing up your home—it’s also a perfect time to freshen up your furry friend’s space. Here’s how: TO... - [8 Steps to Protect Your Home From Wildfires](https://www.thejemezagency.com/8-steps-to-protect-your-home-from-wildfires/): You have been hearing a lot of talk recently (and hopefully read some of my articles) about wildfires and how they are impacting both homeowners premi... - [SHOULD I HAVE AN UMBRELLA INSURANCE POLICY?](https://www.thejemezagency.com/should-i-have-an-umbrella-insurance-policy/): Anyone who wishes to protect themselves from major claims or lawsuits, or would like to protect their assets or earnings would benefit from an umbrell... - [Hail: Yes, No or Maybe So?](https://www.thejemezagency.com/hail-yes-no-or-maybe-so/): Early spring is usually the kick-off to hail season.  As you are likely aware, hail can do significant damage to anything it comes in contact wit... - [Car repair costs are up almost 20% over the past year. Here are 6 reasons why](https://www.thejemezagency.com/car-repair-costs-are-up-almost-20-over-the-past-year-here-are-6-reasons-why/): I have written several articles about car insurance rates skyrocketing this year, some 40% or more higher.  In this article I found on CNBC, the... - [Dangers of Distracted Driving](https://www.thejemezagency.com/dangers-of-distracted-driving/): Distracted driving is any activity that could divert your attention away from the main task of driving.  It is something that is both dangerous a... - [Pets and Homeowner Insurance Policies](https://www.thejemezagency.com/pets-and-homeowner-insurance-policies/): As a refresher to those of you who aren’t in the insurance industry, homeowner insurance policies are essentially split into two sections – property a... - [How Telematics Can Help Improve Driver Safety](https://www.thejemezagency.com/how-telematics-can-help-improve-driver-safety/): What Is Telematics? Telematics, also known as usage-based insurance or “Pay How You Drive” car insurance, tracks driving habits, including driving dis... - [The 4 Key Factors Contributing to Rising Insurance Rates](https://www.thejemezagency.com/the-4-key-factors-contributing-to-rising-insurance-rates/): The insurance marketplace is really struggling with pricing and availability right now.  30%, 40%, 50% and more rate increases are coming. ... - [The Independent Advantage](https://www.thejemezagency.com/the-independent-advantage/): A word from the owner I was watching the TV a while back and it seemed like every other commercial was selling car insurance for $781 less than you ar... - [Radon: The Invisible Danger in Your Home](https://www.thejemezagency.com/radon-the-invisible-danger-in-your-home/): Radon. While maybe not as well-known as it cousins carbon monoxide or natural gas, this colorless, odorless, tasteless gas is just as deadly.  Pr... - [When Things Go (Really) Wrong, Your Umbrella Has You Covered](https://www.thejemezagency.com/when-things-go-really-wrong-your-umbrella-has-you-covered-2/): Over the past few weeks, I’ve had the same discussion with two sets of family and friends about the importance of umbrella policies and what they actu... - [What Is a Smart Alarm System and Should I Consider One?](https://www.thejemezagency.com/what-is-a-smart-alarm-system-and-should-i-consider-one/): As recently as 10 years ago, consumers did not have access to technology that let them manage their own home security systems. Smart alarm systems cha... - [Car Insurance Rates Skyrocket 17.8%—Why Is This Happening?](https://www.thejemezagency.com/car-insurance-rates-skyrocket-17-8-why-is-this-happening/): I came across this article in Forbes magazine and thought I would pass it along.  The article was originally published in August of 2023 and upda... - [Recruiting Quality Employees To Your Small Business](https://www.thejemezagency.com/recruiting-quality-employees-to-your-small-business/): In a competitive job market, it may seem like a challenge for small businesses to compete for top talent, but it might not be as difficult as once pre... - [Does Homeowners Insurance Cover Remodeling?](https://www.thejemezagency.com/does-homeowners-insurance-cover-remodeling/): Your homeowners insurance may provide coverage for minor renovations you made to your home (like painting updating/replacing carpet) prior to a covere... - [The Science of Traffic Patterns](https://www.thejemezagency.com/the-science-of-traffic-patterns/): Some traffic scenarios seem to defy logic, such as how roundabouts can actually be more efficient than traditional intersections, and how waiting to m... - [Will homeowners insurance rates increase in 2024?](https://www.thejemezagency.com/will-homeowners-insurance-rates-increase-in-2024/): When your homeowners insurance policy comes up for renewal in 2024, be prepared for an unpleasant shock: You’re likely to face a premium increase of 1... - [Are You Covered for the Havoc Old Man Winter Can Wreak?](https://www.thejemezagency.com/are-you-covered-for-the-havoc-old-man-winter-can-wreak/): For many of us across the U.S., the first blast of cold wintry weather hit us.  Love it or hate it, it’s here. We often post tips on our monthly... - [What to Do If Your Identity Is Stolen](https://www.thejemezagency.com/what-to-do-if-your-identity-is-stolen/): The fastest-growing white-collar crime in the United States is identity fraud. ID fraud is when someone commits a crime or fraud in your name using yo... - [5 Steps to Improve Your Customer Service](https://www.thejemezagency.com/5-steps-to-improve-your-customer-service/): So how can you start investing in customer service within your organization? In this article, we explore the H.E.A.T. model of customer service—a trie... - [Is Your Home Insured to Its Replacement Cost?](https://www.thejemezagency.com/is-your-home-insured-to-its-replacement-cost-3/): If you lost your home in a fire, how much would it cost to rebuild it? The answer may be different than you think. And if your home isn’t insured to i... - [5 Reasons You Should Try “Pay How You Drive” Car Insurance](https://www.thejemezagency.com/5-reasons-you-should-try-pay-how-you-drive-car-insurance/): With the ongoing development of technology in cars to help us drive safely, there is an opportunity that is being offered by some insurance companies... - [How to Prepare your Home for Winter](https://www.thejemezagency.com/how-to-prepare-your-home-for-winter-2/): The worst part about the fall season is that it goes too fast and all of a sudden, winter is here. Freezing temperatures, snowy and icy weather, more... - [One Second in Time Could Last a Lifetime](https://www.thejemezagency.com/one-second-in-time-could-last-a-lifetime/): With the start of the holiday season upon us, I thought I would remind the large number of people who will be driving to see friends and relatives, it... - [High-Tech Cars: What’s New in Car Safety Features?](https://www.thejemezagency.com/high-tech-cars-whats-new-in-car-safety-features/): High-tech cars are here to stay. Car safety technology is evolving quickly, bringing scores of often unpronounceable abbreviations for new systems tha... - [Why Are Auto Insurance Premiums Going Up and What Can I Do About It?](https://www.thejemezagency.com/why-are-auto-insurance-premiums-going-up-and-what-can-i-do-about-it/): Why Are Car Insurance Rates Going Up? There are many reasons for the current auto insurance rate increases across the market. Here are some of the not... - [Tips to Protect Your Possessions with Valuable Items Insurance Coverage](https://www.thejemezagency.com/tips-to-protect-your-possessions-with-valuable-items-insurance-coverage/): You may think that a homeowners insurance policy provides adequate coverage for all your valuables, but policies may provide limited or no coverage fo... - [Rio’s Quick Bite](https://www.thejemezagency.com/rios-quick-bite-2/): Time to Fall Back (and Check Your Smoke Alarms) Daylight Savings time will be here soon when we “fall back” an hour. A general rule of thumb is to rep... - [Homeowners Face Rising Insurance Rates as Climate Change Makes Wildfires, Storms More Common](https://www.thejemezagency.com/homeowners-face-rising-insurance-rates-as-climate-change-makes-wildfires-storms-more-common/): I came across this article and thought I might pass it on.  We are starting to see most insurance companies pull out of places like Jemez Springs... - [Tips for Handling a Tire Blowout](https://www.thejemezagency.com/tips-for-handling-a-tire-blowout/): Experiencing a tire blowout while you’re driving can be a scary and potentially dangerous situation. To be able to respond appropriately, you’ll need... - [How Smart Thermostats Can Help Protect Your Home](https://www.thejemezagency.com/how-smart-thermostats-can-help-protect-your-home/): Did you ever leave for work without turning down the heat on a blustery winter day? Or head out for a day trip in the middle of summer without dialing... - [As Your Life Changes, So Should Your Insurance Policy](https://www.thejemezagency.com/as-your-life-changes-so-should-your-insurance-policy-2/): One of the most exciting times in life is purchasing a new home, whether it’s your first starter home or your final retirement home.  It’s an inv... - [Now’s the Time.  Prep Your Property for the Coming Cold Weather](https://www.thejemezagency.com/nows-the-time-prep-your-property-for-the-coming-cold-weather-2/): The thought of doing outdoor work in the cold weather isn’t overly appealing. With the fall season here and some cooler weather in store, it’s time to... - [Online Identity Theft Prevention](https://www.thejemezagency.com/online-identity-theft-prevention/): Going online has become part of everyday life, whether it is for everyday activities such as shopping, sending email or paying bills, and managing you... - [Is Your Home Insured to Its Replacement Cost?](https://www.thejemezagency.com/is-your-home-insured-to-its-replacement-cost-2/): If you lost your home in a fire, how much would it cost to rebuild it? The answer may be different than you think. And if your home isn’t insured to i... - [4 Auto Insurance Myths Busted](https://www.thejemezagency.com/4-auto-insurance-myths-busted/): When it comes to auto insurance, there are many myths floating around. Throughout the years, I have heard a lot of reasons why someone believes their... - [Answers to 5 Common Insurance Questions About Home Water Damage](https://www.thejemezagency.com/answers-to-5-common-insurance-questions-about-home-water-damage/): Water can quickly cause major problems in your home with a sudden, unexpected event like a burst pipe. While many homeowners underestimate the frequen... - [The Science of Car Crashes](https://www.thejemezagency.com/the-science-of-car-crashes/): From lane departure warnings to automatic emergency braking, drivers today have more technology than ever to help avoid car accidents. But with more c... - [Why Homeowners Insurance Premiums Are Rising and What You Can Do](https://www.thejemezagency.com/why-homeowners-insurance-premiums-are-rising-and-what-you-can-do-2/): Most people can expect their homeowners insurance rates to go up this year — along with the cost of materials and supplies — in this economy.  Se... - [Man’s Best Friend or a Liability?](https://www.thejemezagency.com/mans-best-friend-or-a-liability/): I am an animal lover, but dogs are my personal favorite. They are great company and it’s in their nature to seek your approval and love. Dogs are said... - [Know the Signs of Heat Exhaustion](https://www.thejemezagency.com/know-the-signs-of-heat-exhaustion/): If you were to experience heat exhaustion or heat stroke, would you recognize the signs? I think it’s safe to say it’s already been a very hot and hum... - [5 Smart Home Automation Safety Tips](https://www.thejemezagency.com/5-smart-home-automation-safety-tips/): Smart home automation technology can offer homeowners peace of mind, convenience and efficiency, making it possible to automate systems and equipment... - [Why auto insurance rates are increasing](https://www.thejemezagency.com/why-auto-insurance-rates-are-increasing/): Repairing & replacing vehicles costs more The auto industry has seen its share of labor shortages and supply chain disruptions over the past year.... - [Traveling? Are You Covered by Insurance?](https://www.thejemezagency.com/traveling-are-you-covered-by-insurance/): My wife and I recently took a trip to Italy, one that we have been dreaming about for a while.  I thought I would use that trip to discuss travel... - [Is Your Home Insured to Its Replacement Cost?](https://www.thejemezagency.com/is-your-home-insured-to-its-replacement-cost/): If you lost your home in a fire, how much would it cost to rebuild it? The answer may be different than you think. And if your home isn’t insured to i... - [Does My Car Insurance Cover a Rental Car?](https://www.thejemezagency.com/does-my-car-insurance-cover-a-rental-car/): It’s a situation many of us have found ourselves in: you’re at the rental car counter, checking in to pick up a vehicle you booked months ago. But bef... - [5 Tips to Protect Your Possessions with Valuable Items Insurance Coverage](https://www.thejemezagency.com/5-tips-to-protect-your-possessions-with-valuable-items-insurance-coverage-2/): You may think that a homeowners insurance policy provides adequate coverage for all your valuables, but policies may provide limited or no coverage fo... - [Safety Tips for Riding on Two Wheels](https://www.thejemezagency.com/safety-tips-for-riding-on-two-wheels-2/): Motorcycles are a big part of summer driving. Many people prefer the freedom of two wheels on the open road during the summer months. Whether it be di... - [A word from the owner](https://www.thejemezagency.com/a-word-from-the-owner/): I was watching the TV a while back and it seemed like every other commercial was selling car insurance for $781 less than you are paying now. Then I s... - [5 Pet Toxins in your Home](https://www.thejemezagency.com/5-pet-toxins-in-your-home/): #1: Medications Pets, especially food-driven dogs, can be quite sneaky when it comes to finding dropped pills or pill bottles. Sadly, this often leads... - [What factors can change the extent of hail damage on neighboring homes?](https://www.thejemezagency.com/what-factors-can-change-the-extent-of-hail-damage-on-neighboring-homes-2/): With storm season approaching, now is a good time to revisit the phenomenon of hail and the possible damage it can do. As the National Severe Storms L... - [Preventing Automatic Garage Door Injuries](https://www.thejemezagency.com/preventing-automatic-garage-door-injuries/): Automatic garage doors. Many of us have them and probably take for granted that our garage door will open and shut with the click of a button. While t... - [April is Distracted Driving Month.](https://www.thejemezagency.com/april-is-distracted-driving-month/): Distracted driving is something that some of us forget to think twice about. Consider your daily commute or your weekly trip to the grocery store. The... - [Why Homeowners Insurance Premiums Are Rising and What You Can Do](https://www.thejemezagency.com/why-homeowners-insurance-premiums-are-rising-and-what-you-can-do/): Most people can and should expect their homeowners insurance rates to go up this year. Several factors are behind the rising rates. Increasing frequen... - [FCW: Why You Want Forward Collision Warning in Your Car](https://www.thejemezagency.com/fcw-why-you-want-forward-collision-warning-in-your-car/): Forward-collision warning systems (FCW) are an innovative safety technology in cars that can help reduce the risk of rear-end collisions. Available wi... - [Basic Home Maintenance Tips to Help Protect Against Water Damage](https://www.thejemezagency.com/basic-home-maintenance-tips-to-help-protect-against-water-damage/): If you’re a homeowner, you may be surprised to learn that the bulk of water damage to a home isn’t due to natural disasters or flooding. It’s actually... - [Daylight Savings Time is Time to Check Your Smoke Detectors](https://www.thejemezagency.com/daylight-savings-time-is-time-to-check-your-smoke-detectors/): Daylight savings time is coming up this Sunday. We’re going to “SPRING forward” our clocks (which means Spring is just around the corner. Yay). Anothe... - [5 Tips to Protect Your Possessions with Valuable Items Insurance Coverage](https://www.thejemezagency.com/5-tips-to-protect-your-possessions-with-valuable-items-insurance-coverage/): You may think that a homeowners insurance policy provides adequate coverage for all your valuables, but policies may provide limited or no coverage fo... - [Ways to Protect Your Car from Theft](https://www.thejemezagency.com/ways-to-protect-your-car-from-theft/): Technology has helped to prevent auto theft in significant ways. Engine immobilizers, keyless entry and ignition, audible alarms and vehicle recovery... - [How the Home Insurance Claim Process Works](https://www.thejemezagency.com/how-the-home-insurance-claim-process-works/): Owning a home can mean dealing with the unexpected – from a tree falling on your roof to a pipe bursting in your bathroom. Because you likely can’t pr... - [Apps to Help Keep Your Teen Driver Safe](https://www.thejemezagency.com/apps-to-help-keep-your-teen-driver-safe/): Obtaining a driver’s license is a major rite of passage for millions of young people across the country. Getting a license means freedom, self-relianc... - [Should I File a Property Damage Claim? Three Questions to Help You Decide](https://www.thejemezagency.com/should-i-file-a-property-damage-claim-three-questions-to-help-you-decide/): Homeowners insurance can protect you from the unexpected. If your home is damaged or your belongings are stolen, it can help cover repairs or replacem... - [SERVING NEW MEXICO FOR MORE THAN 60 YEARS](https://www.thejemezagency.com/serving-new-mexico-for-more-than-60-years/): In 1963 Dr. Martin Luther King delivered his I have a dream speech President John F Kennedy was assassinated The Los Alamos Monitor launched their fir... - [Online Car Buying: How Does It Work?](https://www.thejemezagency.com/online-car-buying-how-does-it-work/): If you’re in the market for a new car, online car buying might seem like a hassle-free (and haggle-free) way to put those wheels in your drivewa... - [Rio’s Quick Bite](https://www.thejemezagency.com/rios-quick-bite/): With winter settling in, my doggy thoughts turn to a vacation somewhere warm.  Vacations are for fun and relaxation. Help save yourself some worr... - [How to Help Prevent House Fires](https://www.thejemezagency.com/how-to-help-prevent-house-fires/): Using our claim data, Travelers Insurance has developed a list of the most common causes of fire-related losses as well as some things you can do to h... - [Telematics: 5 Reasons You Should Try “Pay How You Drive” Car Insurance](https://www.thejemezagency.com/telematics-5-reasons-you-should-try-pay-how-you-drive-car-insurance/): With the ongoing development of technology in cars to help us drive safely, there is an opportunity that is being offered by some insurance companies... - [New Car Insurance and 4 Other Items to Bring When You Purchase a Vehicle](https://www.thejemezagency.com/new-car-insurance-and-4-other-items-to-bring-when-you-purchase-a-vehicle/): The process of buying a new car can be stressful. It involves a lot of big decisions, such as what make and model to get, how much you’re willing to p... - [Smart Home Technology – Friend or Foe](https://www.thejemezagency.com/smart-home-technology-friend-or-foe-2/): Are you buying any cool tech gifts for yourself or for loved ones this holiday season? The possibilities are endless when it comes to “smart” devices... - [8 Things to Do Right After You Move In](https://www.thejemezagency.com/8-things-to-do-right-after-you-move-in/): So you’ve moved into a new home—yay! Maybe you’ve even celebrated with your first takeout meal in the middle of your fabulous (and empty) living room... - [Juice Jacking: What You Need to Know](https://www.thejemezagency.com/juice-jacking-what-you-need-to-know/):   We have probably all been to a public building where there are signs offering a free service to plug in your device at a charging location. Wit... - [The Hidden Costs of Cheap Insurance – What Are You Getting for Your Money?](https://www.thejemezagency.com/the-hidden-costs-of-cheap-insurance-what-are-you-getting-for-your-money/): It’s next to impossible to watch any type of TV programming without seeing a commercial advertising how you can save money on your insurance. So shoul... - [Carbon Monoxide Poisoning: How to Prevent the Silent Killer](https://www.thejemezagency.com/carbon-monoxide-poisoning-how-to-prevent-the-silent-killer-2/): According to the National Safety Council, more than 400 Americans die from unintentional carbon monoxide poisoning each year.  Carbon monoxide is call... - [Time to Fall Back (and Check Your Smoke Alarms)](https://www.thejemezagency.com/time-to-fall-back-and-check-your-smoke-alarms-2/): Soon it will be Daylight Savings time when we “fall back” an hour. A general rule of thumb is to replace the batteries in your smoke detectors when Da... - [Avoid deadly distractions behind the wheel](https://www.thejemezagency.com/avoid-deadly-distractions-behind-the-wheel/): Not texting is a start, but there’s more to safe driving Here’s the bad news: Distracted driving causes thousands of accidents every year,... - [Chip Into Security](https://www.thejemezagency.com/chip-into-security/): Most of our credit/debit cards now have chip technology, but sometimes it’s hard to know when and where to use them. Some merchants want you to use th... - [It’s Fall – Oh Deer](https://www.thejemezagency.com/its-fall-oh-deer/): The temperatures have gotten cooler, and the trees are getting vibrant with color. It is a beautiful time of year. Fall also means animal-related car... - [Have you Heard of Infotainment Data?](https://www.thejemezagency.com/have-you-heard-of-infotainment-data-2/): Most people are aware of the information that can be collected from a vehicle’s “black box.” However, the information that can be gained f... - [Vehicle Theft Prevention](https://www.thejemezagency.com/vehicle-theft-prevention-2/): Once every 43.8 seconds, a vehicle is stolen in the United States according to the National Highway Traffic Safety Administration (NHTSA). Thefts like... - [Safety First When Celebrating Labor Day](https://www.thejemezagency.com/safety-first-when-celebrating-labor-day/): Your Labor Day weekend can be fun and safe at the same time. It’s normally a fun-filled weekend because it’s one of the last chances to be in the wate... - [Bargain Insurance Coverage Could Leave You Broke](https://www.thejemezagency.com/bargain-insurance-coverage-could-leave-you-broke/): In today’s insurance climate, many people are looking for the lowest price on their insurance policies. Television and radio commercials bombard consu... - [What is Diminished Value?](https://www.thejemezagency.com/what-is-diminished-value/): After any accident, there is often damage. And that damage may include loss – not only physical loss but also inherent loss in value, commonly referre... - [6 Factors Affecting Your Homeowners Insurance Rate](https://www.thejemezagency.com/6-factors-affecting-your-homeowners-insurance-rate/): Ever wonder what dictates the rate you’re being charged for the insurance on your home? Every insurance company rates differently, but here are some f... - [School’s About To Start School Bus Safety](https://www.thejemezagency.com/schools-about-to-start-school-bus-safety/): Summer has come and gone once again. Parents are getting excited, but kids are dreading their final days before school starts again. As we gear up for... - [Thunder and Lightning: Very, Very Frightening!](https://www.thejemezagency.com/thunder-and-lightning-very-very-frightening/): After yesterday’s storm, I came across this article courtesy of Central Insurance Nearly all of us have probably had some sort of close encounter with... - [DID YOU KNOW?](https://www.thejemezagency.com/did-you-know/): 1.6 million accidents, more than 400,000 injuries and more than 3100 deaths are caused by some form of distracted driving each year Did you know over... - [Preventing the Risk of Distracted Driving](https://www.thejemezagency.com/preventing-the-risk-of-distracted-driving-3/): Kids will soon be walking to school and crossing busy streets. Distracted driving is something that some of us forget to think twice about. Consider y... - [What’s Credit Got To Do With It?](https://www.thejemezagency.com/whats-credit-got-to-do-with-it/): When I first heard about the use of credit in the insurance industry, I thought, “What’s credit got to do with it?” (Set to the tune of Tina Turner’s... - [Your Pet’s Emergency Plan](https://www.thejemezagency.com/your-pets-emergency-plan/): In light of the recent catastrophic events around our state and that have affected a large portion of the country, I wanted to write about preparing a... - [How To Mitigate New Driver Insurance Costs](https://www.thejemezagency.com/how-to-mitigate-new-driver-insurance-costs-2/): Anyone who has had a child of driving age knows all too well the substantial cost surrounding their child’s newfound four-wheeled freedom. Young drive... - [Storm Surges Yield Surges in Contractor Fraud](https://www.thejemezagency.com/storm-surges-yield-surges-in-contractor-fraud-2/): As our monsoon season begins, a cautionary warning. Following extreme weather events, dubious contractors descend on affected communities, offering qu... - [To File Or Not To File…That’s The Financial Question](https://www.thejemezagency.com/to-file-or-not-to-filethats-the-financial-question/): There are many types of coverage offered on a typical homeowner’s policy, but the question of whether or not to file a claim versus footing the bill y... - [Umbrella Coverage: What It Is and Why You Need It](https://www.thejemezagency.com/umbrella-coverage-what-it-is-and-why-you-need-it/): I thought I would post an article I found from Central Insurance Company. You might find yourself wondering, “Do I really need an umbrella policy?” Th... - [Memorial Day 2022](https://www.thejemezagency.com/memorial-day-2022/): After the dark, gloomy days of winter and the pollen and smoky haze of spring, there is probably nothing that sounds better than warmer weather, blue... - [Distracted Driving: Why We Do It & How To Stop](https://www.thejemezagency.com/distracted-driving-why-we-do-it-how-to-stop/): We all know we shouldn’t text and drive, so why is it so tempting to reach for the phone the moment you hear that little ding? Just a quick glance can... - [Safety Tips for Riding on Two Wheels](https://www.thejemezagency.com/safety-tips-for-riding-on-two-wheels/): Motorcycles are a big part of summer driving. Many people prefer the freedom of two wheels on the open road during the summer months. Whether it be di... - [This is a blog post with a really, really, really long title that can be difficult to work with](https://www.thejemezagency.com/this-is-a-blog-post-with-a-really-really-really-long-title-that-can-be-difficult-to-work-with/): This blog post has examples of various headings H2 – Benefits of Travel Insurance for a Cruise People generally book cruises to relax and unwind... - [How To Mitigate New Driver Insurance Costs](https://www.thejemezagency.com/how-to-mitigate-new-driver-insurance-costs/): Anyone who has had a child of driving age knows all too well the substantial cost surrounding their child’s newfound four-wheeled freedom. Young drive... - [Actual Cash Value vs. GAP Coverage](https://www.thejemezagency.com/actual-cash-value-vs-gap-coverage/): With the convenience of our daily driving comes the possibility and inconvenience of being involved in an auto accident. A total loss is possible, dep... - [Your Homeowners Policy May Need To Be Updated](https://www.thejemezagency.com/your-homeowners-policy-may-need-to-be-updated/): I would like to make you aware that the cost to rebuild your home, in the event you suffer a catastrophic loss, has increased dramatically. If you’ve... - [Do Not Disturb: The Dangers of Distracted Driving](https://www.thejemezagency.com/do-not-disturb-the-dangers-of-distracted-driving-2/): Nine. A relatively small number until you put it into context. Every day, nine lives are lost due to distracted driving. Driving is something that man... - [Why Did My Homeowners Insurance Premium Go Up?](https://www.thejemezagency.com/why-did-my-homeowners-insurance-premium-go-up/): You received your annual renewal notice from your home insurer and you’re surprised: Your premiums have gone up. The truth is, it’s common to see an a... - [Carbon Monoxide Poisoning: How to Prevent the Silent Killer](https://www.thejemezagency.com/carbon-monoxide-poisoning-how-to-prevent-the-silent-killer/): According to the National Safety Council, more than 400 Americans die from unintentional carbon monoxide poisoning each year. Carbon monoxide is calle... - [Catalytic Converter Thefts: A Return to Popularity](https://www.thejemezagency.com/catalytic-converter-thefts-a-return-to-popularity/): As if the last two years haven’t had enough problems, it appears to have also caused a drastic increase in catalytic converter thefts. You may w... - [When Parents Live With Grown Children](https://www.thejemezagency.com/when-parents-live-with-grown-children/): As the Baby Boomer generation continues to grow older, it’s not uncommon to see aging parents move in with their grown children. Regardless of the rea... - [Common Misconceptions about the Personal Umbrella Policy](https://www.thejemezagency.com/common-misconceptions-about-the-personal-umbrella-policy/): One thing I’ve learned over the years is there are several common misconceptions regarding personal umbrella insurance policies. In some cases, people... - [Preventing the Risk of Distracted Driving](https://www.thejemezagency.com/preventing-the-risk-of-distracted-driving-2/): Distracted driving is something that some of us forget to think twice about. Consider your daily commute or your weekly trip to the grocery store. The... - [When Things Go (Really) Wrong, Your Umbrella Has You Covered](https://www.thejemezagency.com/when-things-go-really-wrong-your-umbrella-has-you-covered/): Over the past few weeks, I’ve had the same discussion with two sets friends about the importance of umbrella policies and what they actually cover. Su... - [Expect higher-than-normal home and auto premium increases in 2022](https://www.thejemezagency.com/expect-higher-than-normal-home-and-auto-premium-increases-in-2022/): Historic inflation and other contributing trends have been driving up costs related to the repair and replacement of homes and vehicles – and these hi... - [What is Workers’ Compensation?](https://www.thejemezagency.com/what-is-workers-compensation/): Workers’ compensation is a no-fault system of insurance that protects workers and employers from some of the losses caused by on-the-job acciden... - [Tax Identity Theft Awareness](https://www.thejemezagency.com/tax-identity-theft-awareness/): Tax season is upon us. As consumers wait for tax-related documents to be delivered to their mailboxes, thieves are lying in wait, ready to intercept.... - [Smart Home Technology – Friend or Foe?](https://www.thejemezagency.com/smart-home-technology-friend-or-foe/): Anyone buy any cool tech gifts for themselves or for loved ones this holiday season? The possibilities are endless when it comes to “smart” devices th... - [Annual Insurance Review: Don’t Go Unprotected](https://www.thejemezagency.com/annual-insurance-review-dont-go-unprotected/): Happy New Year! I enjoy this time of year and the fresh start that comes with it. It is a time when many people tend to focus on planning their budget... - [The Naughty List: Three Holiday Scams to Watch Out for this Season](https://www.thejemezagency.com/the-naughty-list-three-holiday-scams-to-watch-out-for-this-season/): The most wonderful time of the year is officially upon us, but along with the hustle, bustle and holiday shopping comes a whole new wave of seasonal s... - [Winter Driving and Auto Claims Tips](https://www.thejemezagency.com/winter-driving-and-auto-claims-tips/): Winter storms often bring a rash of auto claims. Winter driving can be dangerous, so it is essential to stay alert and be smart. Let’s talk about wint... - [‘Tis the Season to Prevent Holiday Party Liabilities](https://www.thejemezagency.com/tis-the-season-to-prevent-holiday-party-liabilities/): Now that Thanksgiving is here and fall is coming to an end, the fun winter holiday parties are upon us. If you plan on being a holiday host, make sure... - [It Won’t Happen to Me…](https://www.thejemezagency.com/it-wont-happen-to-me/): It’s been a long, dreary and rainy workday. On a whim, you decide to make an unspectacular day just a little bit brighter by taking the family out to... - [Now’s the Time! Prep Your Property for the Coming Cold Weather](https://www.thejemezagency.com/nows-the-time-prep-your-property-for-the-coming-cold-weather/): The thought of doing outdoor work in the cold weather isn’t overly appealing. With the fall season here and some cooler weather in store, it’s time to... - [Distracted Driving is A Big Problem](https://www.thejemezagency.com/distracted-driving-is-a-big-problem/): THE ISSUE What Is Distracted Driving? Distracted driving is any activity that diverts attention from driving, including talking or texting on your pho... - [How to Prepare your Home for Winter](https://www.thejemezagency.com/how-to-prepare-your-home-for-winter/): I don’t know about you, but fall is my favorite season. The weather is perfect, the leaves turn beautiful colors, and it means the holidays are quickl... - [Time to Fall Back (and Check Your Smoke Alarms)](https://www.thejemezagency.com/time-to-fall-back-and-check-your-smoke-alarms/): This month marks Daylight Savings time when we “fall back” an hour. A general rule of thumb is to replace the batteries in your smoke detectors when D... - [Adding a Teen Driver to Your Policy? Prepare to See Premiums Jump](https://www.thejemezagency.com/adding-a-teen-driver-to-your-policy-prepare-to-see-premiums-jump/): For most parents, teen children learning to drive is both an exciting milestone and a nerve-wracking time. It’s not just the stress of having a... - [Car Insurance: What Drivers and Vehicles are Covered?](https://www.thejemezagency.com/car-insurance-what-drivers-and-vehicles-are-covered/): If someone borrows your car, are they covered under your car insurance policy? What if you want to add a car to your existing coverage? What Drivers A... - [Are laptops covered under a standard homeowners insurance policies?](https://www.thejemezagency.com/are-laptops-covered-under-a-standard-homeowners-insurance-policies/): Yes. Just like any other type of personal property, homeowners insurance provides coverage for laptops for the same perils it would for your other per... - [What is umbrella insurance and why might you need it?](https://www.thejemezagency.com/what-is-umbrella-insurance-and-why-might-you-need-it/): Many people want to know the best way to protect their wealth: Is it an asset protection trust? Putting property in the name of a spouse? Creating a l... - [Is your rental truck covered?](https://www.thejemezagency.com/is-your-rental-truck-covered/): We had a client call us recently about renting a U Haul. I thought I would share an article that describes what you should know before you rent. Summe... - [School Safety Saves Lives](https://www.thejemezagency.com/school-safety-saves-lives/): It’s back to school time and for many children, school is already in session. I’ve come to realized how important it is to use extra caution whi... - [Does your college student (and other family members) know what to do if they are involved in a car accident?](https://www.thejemezagency.com/does-your-college-student-and-other-family-members-know-what-to-do-if-they-are-involved-in-a-car-accident/): Going away to college is a big deal, and it comes with a lot more responsibility. One of them is being a responsible driver. What if they are in an ac... - [Vehicle Theft Prevention](https://www.thejemezagency.com/vehicle-theft-prevention/): Once every 43.8 seconds, a vehicle is stolen in the United States according to the National Highway Traffic Safety Administration (NHTSA). Thefts like... - [Preventing the Risk of Distracted Driving](https://www.thejemezagency.com/preventing-the-risk-of-distracted-driving/): Distracted driving is something that some of us forget to think twice about. Consider your daily commute or your weekly trip to the grocery store. The... - [Through the Roof! How Roofing Scams Will Cost You](https://www.thejemezagency.com/through-the-roof-how-roofing-scams-will-cost-you/): With hail season upon us, I thought I would share this article. In January 2020, The Federal Trade Commission (FTC) released its 2019 Consumer Sentine... - [Have you Heard of Infotainment Data?](https://www.thejemezagency.com/have-you-heard-of-infotainment-data/): Most people are aware of the information that can be collected from a vehicle’s “black box.” However, the information that can be gained from the Info... - [“Bells and Whistles” Allow Quality Auto Insurance Policies to Shine](https://www.thejemezagency.com/bells-and-whistles-allow-quality-auto-insurance-policies-to-shine/): It’s next to impossible to watch any type of TV programming without seeing a commercial advertising how you can save money on auto insurance. But shou... - [Beware of Summertime Scams and Fraudsters](https://www.thejemezagency.com/beware-of-summertime-scams-and-fraudsters/): In the minds of so many, summertime evokes thoughts of relaxation, taking it easy, going on vacation, and enjoying yourself at the beach. But, unfortu... - [Safety First When Celebrating Memorial Day](https://www.thejemezagency.com/safety-first-when-celebrating-memorial-day/): There’s one thing I always say to my kids when I know they’re hanging out with family or friends on a holiday weekend. “Be smart! Be safe! Have fun!”... - [How Telematics May Help You Save Money On Car Insurance Updated: August 2020](https://www.thejemezagency.com/how-telematics-may-help-you-save-money-on-car-insurance-updated-august-2020/): Telematics (or a telematics system) is a method used to collect information about your mileage and driving habits. Insurers generally use telematics d... - [How Does Your Homeowner Policy Respond To A Total Loss?](https://www.thejemezagency.com/how-does-your-homeowner-policy-respond-to-a-total-loss/): While homeowner insurance covers individuals and families for many day-to-day claims involving water damage, roof damage, and the like, it is potentia... - [It May Have Been Covered but HOW Was It Covered?](https://www.thejemezagency.com/it-may-have-been-covered-but-how-was-it-covered/): If you’ve watched any college football over the past several years, you’ve probably seen multiple commercials from a certain insurance company that li... - [Don’t Just Throw it Out: How to Protect the Environment and Your Personal Data](https://www.thejemezagency.com/dont-just-throw-it-out-how-to-protect-the-environment-and-your-personal-data/): As the popularity of the internet and electronic devices continues to grow, so do the number of places where cybercriminals can find—and steal—our per... - [Storm Surges Yield Surges in Contractor Fraud](https://www.thejemezagency.com/storm-surges-yield-surges-in-contractor-fraud/): 2020 was a year of extremes on many fronts. But just focusing on storm fronts, experts tell us the US experienced 22 separate billion-dollar weather-r... - [Distracted Driving Awareness Month #JustDrive](https://www.thejemezagency.com/distracted-driving-awareness-month-justdrive/): It seems like every day we are hearing of a new accident caused by distracted driving. Whether it was caused by someone texting, scrolling on their ph... - [Not All Homeowner Insurance Policies Are Equal](https://www.thejemezagency.com/not-all-homeowner-insurance-policies-are-equal/): As I’ve mentioned before in previous articles, I find it sad that personal insurance has gotten commoditized to the point where many consumers buy bas... - [Common Misconceptions about the Personal Umbrella Policy: Part 2](https://www.thejemezagency.com/common-misconceptions-about-the-personal-umbrella-policy-part-2/): Last week I wrote about several misconceptions that are common to personal umbrella policies. While those four misconceptions still hold true, I thoug... - [Common Misconceptions about the Personal Umbrella Policy: Part 1](https://www.thejemezagency.com/common-misconceptions-about-the-personal-umbrella-policy-part-1/): One thing I’ve learned over the years is there are several common misconceptions regarding personal umbrella insurance policies. In some cases, people... - [Buying a New Car? Don’t Forget the Insurance](https://www.thejemezagency.com/buying-a-new-car-dont-forget-the-insurance/): Buying a new car is such an exciting experience. You’ve done all the research, you’ve finally found the perfect car and you are about to pull the trig... - [What factors can change the extent of hail damage on neighboring homes?](https://www.thejemezagency.com/what-factors-can-change-the-extent-of-hail-damage-on-neighboring-homes/): As the end of summer is approaching, now is a good time to revisit the phenomenon of hail and the possible damage it can do. As the National Severe St... - [Imagine…your insurance policy doesn’t fully cover a liability loss. Then what?](https://www.thejemezagency.com/imagineyour-insurance-policy-doesnt-fully-cover-a-liability-loss-then-what/): Imagine your child and his friends are playing with the new, family pup in the backyard. Suddenly, the dog bites your son’s friend in the face causing... - [Keep Children Protected from Cyber Phishing Attacks](https://www.thejemezagency.com/keep-children-protected-from-cyber-phishing-attacks/): Back to school season is upon us. Many school officials, teachers, students, and families don’t know what this school year will look like, as the COVI... - [Identity Theft: One Subject You Don’t Want to Learn at College](https://www.thejemezagency.com/identity-theft-one-subject-you-dont-want-to-learn-at-college/): As students head off to school this fall, they need to stay vigilant against the scams, schemes, and tricks of identity fraudsters. Student identity t... - [As Your Life Changes, So Should Your Insurance Policy](https://www.thejemezagency.com/as-your-life-changes-so-should-your-insurance-policy/): One of the most exciting times in life is purchasing a new home, whether it’s your first starter home or your final retirement home. It’s an investmen... - [How to Stop Targeted Ads on Facebook](https://www.thejemezagency.com/how-to-stop-targeted-ads-on-facebook/): You probably already know that your Facebook news feed is full of advertisements. But have you ever been surprised to find advertisements for items yo... - [Save Money with Auto Premium Discounts](https://www.thejemezagency.com/save-money-with-auto-premium-discounts/): Many of us are well aware that owning a car can be expensive (especially a new car). According to a AAA study, the average cost of owning and operatin... - [When Life Brings Storms, a Personal Umbrella Policy Protects You](https://www.thejemezagency.com/when-life-brings-storms-a-personal-umbrella-policy-protects-you/): Many personal insurance policies provide liability coverage to protect you if you are sued as a result of an injury for which you are responsible, whe... - [Heed Your Mom’s Advice: Don’t Give Rides to Strangers (Unless You’re Properly Covered)](https://www.thejemezagency.com/heed-your-moms-advice-dont-give-rides-to-strangers-unless-youre-properly-covered/): Most of us have seen the meme going around that refers to a couple of life lessons that have reversed course over the past couple of decades: don’t ge... - [Do Not Disturb: The Dangers of Distracted Driving](https://www.thejemezagency.com/do-not-disturb-the-dangers-of-distracted-driving/): Nine. A relatively small number until you put it into context. Every day, nine lives are lost due to distracted driving. Driving is something that man... - [Three Ways Auto Insurance is Going High Tech](https://www.thejemezagency.com/three-ways-auto-insurance-is-going-high-tech/): Today, you can make money by driving people around. You can save money by showing your insurance carrier how you drive. And, you can rely on your smar... - [Replacement Cost Value Versus Market Value: What’s the Difference?](https://www.thejemezagency.com/replacement-cost-value-versus-market-value-whats-the-difference/): Many homeowners often wonder why the limit on their homeowner’s insurance policy is more than the market value of their home. In some cases, there can... - [Driving Text Free](https://www.thejemezagency.com/driving-text-free/): I was talking with a group of friends who have just had the pleasure of having their 16 year olds become licensed to drive. And of course the discussi... - [New Liberty Mutual study explores teens’ behavior behind the wheel](https://www.thejemezagency.com/new-liberty-mutual-study-explores-teens-behavior-behind-wheel/): I came across this article and thought I would share it with you. Having 2 kids in high school and at different driving experience levels, the article... - [May We Have Your Attention Please?](https://www.thejemezagency.com/may-attention-please/): When driving home from work this week, I came face to face with a distracted driver. The driver was looking down, eyes off the road, texting, and near... - [What is Additional Living Expense Coverage?](https://www.thejemezagency.com/additional-living-expense-coverage/): Not many people sit and think about what they would do if a devastating tornado or fire completely demolished their home and left them “homeless... - [Precious Cargo: Keeping Your Children Safe in the Car](https://www.thejemezagency.com/precious-cargo-keeping-children-safe-car/): I was driving over to Smith’s the other day and saw a woman stopped behind me at the light with what appeared to be a toddler in the seat next t... - [When – and Why – You May Need Umbrella Insurance](https://www.thejemezagency.com/may-need-umbrella-insurance/): Living in a busy world, our lives constantly intersect with the people around us, and some interactions can have surprising consequences. It is increa... - [What’s Driving My Personal Auto Insurance Rates?](https://www.thejemezagency.com/whats-driving-personal-auto-insurance-rates/): I have been getting quite a few calls lately about car insurance rates on the rise. Why are rates going up, even if I am not having accidents? To star... - [It’s a Bird. It’s a Plane. No it’s a drone.](https://www.thejemezagency.com/bird-plane-no-drone/): Unmanned Autonomous Vehicles (UAVs) or Remotely Piloted Aerial Systems (RPAS), commonly known and referred to as drones, are aircraft which can be ope... - [Choose an Insurance Agent in Four Steps](https://www.thejemezagency.com/choose-insurance-agent-four-steps/): It’s Not Just a Quote, It’s a Relationship Shopping for insurance? You may think you’re simply looking for an insurance policy. But, perhaps, what you... - [Avoid Deadly Distractions Behind The Wheel](https://www.thejemezagency.com/avoid-deadly-distractions-behind-wheel/): Not Texting is a Start, but There’s More to Safe Driving Many people have a limited definition of “distracted driving”: They think it only... - [What Are Aftermarket Parts?](https://www.thejemezagency.com/what-are-aftermarket-parts/): Every so often I get a phone call during the claims process about aftermarket parts. The usual questions are what are they, should they be used, and w... - [Working Smoke Alarms Save Lives](https://www.thejemezagency.com/working-smoke-alarms-saves/): Did you know roughly half of home fire deaths result from fires that occur when most people are asleep – between 11 p.m. and 7 a.m.? Smoke spreads qui... - [Man’s Best Friend or a Liability?](https://www.thejemezagency.com/mans-best-friend-liability/): I am an animal lover, but dogs are my personal favorite. They are great company and it’s in their nature to seek your approval and love. Dogs are said... - [Burglary Prevention: Should You Leave the Lights On?](https://www.thejemezagency.com/burglary-prevention-leave-lights/): How to Use Outdoor Lighting Effectively for Home Security It seems like a no-brainer to leave the lights on outside your home to deter burglars while... - [Car Insurance Rates Are Going up. Why?](https://www.thejemezagency.com/car-insurance-rates-going/): I get a few calls a week from our clients wondering why their car insurance rates are increasing even though they have not had an accident. It’s... - [The Hidden Costs of Cheap Insurance – What Are You Getting for Your Money?](https://www.thejemezagency.com/hidden-costs-cheap-insurance-getting-money/): It’s next to impossible to watch any type of TV programming without seeing a commercial advertising how you can save money on your insurance. So shoul... - [4 Current Trends Impacting Insurance Premiums](https://www.thejemezagency.com/4-current-trends-impacting-insurance-premiums/): Car insurance. Does it seem like it’s a bigger drain on your wallet than before? It very well could be. Just look at these four trends that may be con... - [Help Minimize the Need for Costly Auto Repairs Simply by the Way You Drive](https://www.thejemezagency.com/help-minimize-need-costly-auto-repairs-simply-way-drive/): No matter how safe you are behind the wheel, you’ve probably done things like: Shift into drive while the car is still rolling backward. Ride the brak... - [Replacement Cost Value Versus Market Value: What’s the Difference?](https://www.thejemezagency.com/replacement-cost-value-versus-market-value-whats-difference/): Many homeowners often wonder why the limit on their homeowner’s insurance policy is more than the market value of their home. In some cases, there can... - [Common Car Insurance Questions](https://www.thejemezagency.com/common-car-insurance-questions/): On the surface, car insurance can seem fairly straightforward. You buy a policy, and if you get into an accident, it comes to your aid – at least in m... - [3 Ways Technology Is Changing Auto Insurance](https://www.thejemezagency.com/3-ways-technology-changing-auto-insurance/): Today, you can make money by driving people around. You can save money by showing your insurance carrier how you drive. And, you can rely on your smar... - [Baby it’s cold outside, and inside too!](https://www.thejemezagency.com/baby-cold-outside-inside/): You know that household heating and cooling systems can stop working at any time. And it’s always at a bad time and it’s never cheap to fi... - [What to Consider Before You Commit To a Non-Profit Board](https://www.thejemezagency.com/what-to-consider-before-you-commit-to-a-non-profit-board/): I was having a conversation with one of my clients about serving on a newly formed non-profit. He was all excited about helping out this wonderful new... - [Fireplace Maintenance and Safety](https://www.thejemezagency.com/fireplace-maintenance-safety/): Safety tips for your wood fireplace The wood is stacked, the flue is open and the match is in hand. You’re about to enjoy a wonderful winter evening b... - [Those flashing lights](https://www.thejemezagency.com/those-flashing-lights/): Our holiday driving tips are the same as always: buckle up, use caution, stick to the rules of the road, and don’t drink and drive. So instead of givi... - [Distracted Driving](https://www.thejemezagency.com/distracted-driving/): You’ve seen them on the roads; you might even know a few of them. And you could be one yourself. Distracted drivers in come in all shapes, sizes, ages... - [How to Prepare your Home for Winter](https://www.thejemezagency.com/prepare-home-winter/): December is here and along with it comes the familiar reminders that winter is quickly approaching. Turn on the radio and Christmas music is blaring,... - [The do’s and don’ts of deep frying a turkey](https://www.thejemezagency.com/dos-donts-deep-frying-turkey/): One of the most popular ways of preparing that Thanksgiving or Christmas turkey is deep-frying. Unfortunately it is also one of the fastest growing ca... - [Someone Broke Into My Car. What Does My Auto Insurance Cover?](https://www.thejemezagency.com/someone-broke-car-auto-insurance-cover/): What if someone broke into your vehicle and took whatever was inside? Do you know what your car insurance covers? If you have comprehensive coverage,... - [Homeowners Insurance and Your Home-Based Business](https://www.thejemezagency.com/homeowners-insurance-home-based-business/): I was talking to a homeowners client the other day when the conversation turned to his new business. Seems he had started a computer repair business o... - [What You Need to Know About Your Auto Liability Insurance](https://www.thejemezagency.com/what-you-need-to-know-about-your-auto-liability-insurance/): If you drive a car, you likely have auto insurance. Your insurance policy provides coverage against the many exposures of owning a vehicle. One of the... - [Mold: A Four Letter Word In Insurance](https://www.thejemezagency.com/mold-four-letter-word-insurance/): I was talking with a home owner the other day when the topic of mold came up. Mold strikes fear into the hearts of those who’ve heard horror stories a... - [Is all car insurance created equal?](https://www.thejemezagency.com/car-insurance-created-equal/): I made the mistake the other day of watching a tv program that wasn’t recorded. This meant I had to sit through the commercials. There are a lot... - [It’s called CLUE, but it’s no game](https://www.thejemezagency.com/called-clue-no-game/): Have you ever applied for insurance, accepted a quote, paid the premium, only to be told later the rate has changed due to claim you forgot you had? ... - [Things You Need to Know About Rental Cars and Insurance](https://www.thejemezagency.com/things-need-know-rental-cars-insurance/): Despite the growing popularity of ride-sharing services such as Uber and Lyft, demand for rental cars continues to increase. Although there are many d... - [Why a Home Inventory Is Important](https://www.thejemezagency.com/home-inventory-important/):   Let’s try a little exercise: Can you list everything you own from memory? …. Waiting Didn’t think so.   The fact is most people own more t... - [I thought jewelry was covered by my homeowners policy](https://www.thejemezagency.com/thought-jewelry-covered-homeowners-policy/): I was visiting with a customer the other day when we started reviewing his homeowners policy for gaps in coverage.  While we were talking about his pe... - [I’m borrowing my friend’s car … am I covered?](https://www.thejemezagency.com/im-borrowing-friends-car-covered/):   Most people have an idea of what’s covered and not covered under their various insurance policies. But at The Jemez Agency we get a lot of ques... - [3 Ways to obtain car insurance](https://www.thejemezagency.com/3-ways-obtain-car-insurance/): I’ve had an interesting week talking to folks about insurance and wanted to share one of the conversations I had. I’m not using names to protect the g... - [Renters Insurance and the Millennial Generation – Why It’s a Must Have!](https://www.thejemezagency.com/renters-insurance-millennial-generation-must/):   Times are changing and with it the composition of our population. Today’s children are tomorrow’s adults. And, as it seems, yesterday’s childre... - [Save Money While Improving Your Teen’s Driving Skills](https://www.thejemezagency.com/save-money-improving-teens-driving-skills/): Your teen is almost sixteen years old and anxiously awaiting his/her driver’s license. How exciting for you both! You will no longer have to drive him... - [How You Can Help Speed Up the Claims Process](https://www.thejemezagency.com/can-help-speed-claims-process/): When you need to file a claim, your insurance company wants to reach a fair and quick resolution as much as you do. Here are a few tips that you can f... - [How to Handle a Hit-and-Run Accident](https://www.thejemezagency.com/handle-hit-run-accident/): Imagine you come out of your favorite restaurant or out of the mall after a day of shopping only to find your bumper hanging off your vehicle. You loo... - [What is Diminished Value?](https://www.thejemezagency.com/what-is-diminished-value-2/): After any accident, there is often damage. And that damage may include loss – not only physical loss but also inherent loss in value, commonly referre... - [How To Mitigate New Driver Insurance Costs](https://www.thejemezagency.com/mitigate-new-driver-insurance-costs/): Anyone who has had a child of driving age knows all too well the substantial cost surrounding their child’s newfound four-wheeled freedom. Young drive... - [Tips to Burglarproof Your Home This Summer](https://www.thejemezagency.com/tips-burglarproof-home-summer/): Summer has finally arrived! Between record snow storms, flooding, and hail, I thought it would never get here. Thankfully, vacation season is upon us... - [Understanding Rental Car Coverage](https://www.thejemezagency.com/understanding-rental-car-coverage/): It’s my experience that one of the most frequently asked questions policyholders have after being involved in an automobile accident is this one: “Doe... - [The Loss of Your Priceless Valuables May Come at a Cost](https://www.thejemezagency.com/the-loss-of-your-priceless-valuables-may-come-at-a-cost/): Whether it’s a collection of miniature thimbles or your grandmother’s pearl necklace, your collectables or valuables are priceless to you. Because the... - [How To Prevent Vehicle Break-Ins](https://www.thejemezagency.com/how-to-prevent-vehicle-break-ins/): Have you ever parked your vehicle at a shopping mall, airport or other public venue and feared it may get broken into, or worse, will be gone when you... - [Do I need GAP or Lease Gap insurance?](https://www.thejemezagency.com/do-i-need-gap-or-lease-gap-insurance/): GAP insurance, or Loan/Lease Gap Insurance, is an optional auto insurance coverage available for people who either finance or lease their car. If the... - [Does My Credit Score Affect What I Pay for Auto Insurance?](https://www.thejemezagency.com/does-my-credit-score-affect-what-i-pay-for-auto-insurance/): You may not have had any auto accidents or moving violations, but if you have not managed your credit score you will pay more for auto insurance. In f... - [Homeowners Insurance And Mold: What Is Covered?](https://www.thejemezagency.com/homeowners-insurance-and-mold-what-is-covered/): Mold is nasty wherever it is. That said, mold of some type can crop up in any home anywhere. It is typically not dangerous; however, that does little... - [How Can I Save Money On Car Insurance With a Teen Driver?](https://www.thejemezagency.com/can-save-money-car-insurance-teen-driver/): Ah yes, your teen is finally behind the wheel, which allows you to hang up your hat as the resident chauffer. But in addition to that newfound sense o... - [What Bodily Injury Coverage Means to a Car Insurance Policy](https://www.thejemezagency.com/bodily-injury-coverage-means-car-insurance-policy/): If you are like everyone else who drives, your biggest fear is being in an accident. The damage to your car or someone else’s is one thing since it is... - [What Makes My Car Insurance Rate Increase?](https://www.thejemezagency.com/makes-car-insurance-rate-increase/): Driving safe is something that insurance companies love their customers to do. It saves the insurance providers a significant amount of money if their... - [Do I need to buy more than the minimum bodily injury liability protection?](https://www.thejemezagency.com/need-buy-minimum-bodily-injury-liability-protection/):     Not if you’re a billionaire and aren’t concerned about forking over hundreds of thousands of dollars if you injure others in a car accid... - [Do I need uninsured motorist coverage?](https://www.thejemezagency.com/need-uninsured-motorist-coverage/):   Since nearly every state in the United States requires some minimum level of liability insurance to operate a motor vehicle, one may be left wo... - [Buying a new car, what do I do about my car insurance](https://www.thejemezagency.com/buying-new-car-car-insurance/):   Did the New Year mean a new car for you? Boy, wouldn’t that be nice to purchase the latest and greatest model each year? Or, maybe you have a n... - [5 things to do after a car accident](https://www.thejemezagency.com/5-things-car-accident/):   An automobile accident is a scary and stressful situation regardless if it’s your fault or not.  I talk to a lot of people after they’ve been i... - [low cost insurance may not offer value](https://www.thejemezagency.com/low-cost-insurance-may-offer-value/):   How do you know you’re getting “value” from your insurance policy? Can you save money and get broader coverage on your insurance policies? The... - [Does my homeowner’s policy cover my home based business?](https://www.thejemezagency.com/homeowners-policy-cover-home-based-business/):   According to surveys, nearly one in four Americans are operating some form of home-based business. These businesses range from relatively small... - [Rental Car Insurance: To Buy or Not to Buy](https://www.thejemezagency.com/rental-car-insurance-buy-buy/):   As the summer travel season approaches, millions of Americans will take to the roads to visit family and friends. Since many will make the trip... - [What is an umbrella policy?](https://www.thejemezagency.com/umbrella-policy/):   What are the odds that someone who trips and falls down your front steps will sue for anything less than several hundred thousand dollars? Does... - [today’s blended family and insurance](https://www.thejemezagency.com/todays-blended-family-insurance/):   Even if you’re housebound and only know about the outside world via TV (a frightening thought!), you know families have come a long way from “O... - [What is an umbrella policy and do I need one?](https://www.thejemezagency.com/umbrella-policy-need-one/):   Most personal insurance policies provide liability coverage to protect you if you are sued as a result of an injury you are responsible for, wh... - [Are all car insurance policies the same?](https://www.thejemezagency.com/are-all-car-insurance-policies-the-same/): I read an interesting article today that I wanted to share with you.  It talked about are all car insurance policies the same and cover the same incid... - [How long should I carry collision insurance?](https://www.thejemezagency.com/long-carry-collision-insurance/):   When it comes to collision coverage on the auto policy, the guideline many people follow is to remove the coverage after the vehicle is ten yea... - [Potholes and insurance](https://www.thejemezagency.com/potholes-insurance/):   Poor road conditions have cost consumers and the insurance industry at least $27 billion in the last five years, according to a new national su... - [Why is my home’s insurance value more than the market value](https://www.thejemezagency.com/homes-insurance-value-market-value/):   I was recently asked by a friend to explain why his homeowner insurance coverage amount differed so much from the tax value and market value in... - [why independent insurance agents](https://www.thejemezagency.com/independent-insurance-agents/):   Here today, gone tomorrow. Record-setting weather events in the past few years show just how quickly anyone can lose a home, autos, or property... - [Protecting your children from cyberbullying](https://www.thejemezagency.com/protecting-children-cyberbullying/): Protecting Your Children from Cyberbullying We’ve all said or done things we’re not proud of, and for most of us those shameful moments took place whe... - [Can my insurance be cancelled if I own a dog?](https://www.thejemezagency.com/can-insurance-cancelled-dog/): Dog Breeds vs. Insurance Carriers: The Bite Is Worse Than the Bark Are you looking for a four-legged friend to add to the family? Before you purchase... - [Driving and texting, who does it more?](https://www.thejemezagency.com/driving-texting/): Distracted Driving: Adult Offenses Outnumber Teens Now is a great time to talk to your teenager about the dangers of distracted driving. Most anti-tex... - [Is mold damage covered under a homeowners policy?](https://www.thejemezagency.com/mold-damage-covered-homeowners-policy/): I came across the article written by a claims adjuster with Central Insurance Co. Mold: The Four Letter Word in Insurance I remember my first phone ca... - [Why choose an independent insurance agent?](https://www.thejemezagency.com/choose-independent-insurance-agent/): Who Are Independent Agents? Independent insurance agents represent a number of different insurance companies and can quote a wide range of insurance p... - [Should I have an inventory for my household possessions?](https://www.thejemezagency.com/inventory-household-possessions/): I came accross this article that was done back in July. Taking Inventory of Home Inventory Apps With all the recent wildfire activity in Arizona, it m... - [What can I do to save money on my insurance](https://www.thejemezagency.com/can-save-money-insurance/): Take Control of Your Insurance Costs! There are many factors that are used in determining the cost of your auto and homeowners insurance. A source of... - [Why do insurance companies use credit scores?](https://www.thejemezagency.com/insurance-companies-use-credit-scores/): When I first heard about the use of credit in the insurance industry, I thought, “What’s credit got to do with it?” (Set to the tune of Tina Turner’s... - [When should I file a homeowners claim?](https://www.thejemezagency.com/file-homeowners-claim/):   There are many types of coverage offered on a typical homeowner’s policy, but the question of whether or not to file a claim versus footing the... - [Every parent with a young driver should read this](https://www.thejemezagency.com/every-parent-young-driver-read/): Driving Text Free – There’s An App For That! I’m on the road pretty much every day for work and there’s not a day that goes by that I don’t see a dist... - [should I talk to the other guy’s insurance company?](https://www.thejemezagency.com/talk-guys-insurance-company/): Advice from a claims adjuster:   When handling an automobile accident claim, I’m often asked the questions: “The other guy’s insurance company ca... - [Home Values Have Dropped. Should I Decrease My Insurance Coverage?](https://www.thejemezagency.com/home-values/): The recession and housing market crash have taken a toll on homeowners. Many of us have seen the value of our home drop, with no recovery in sight. You might think that you should at least be able to save some money by decreasing the amount of your home - [Protect Your Assets and Your Future With an Umbrella Policy](https://www.thejemezagency.com/protect-your-assets/): The likelihood of being sued probably seems—and is—very low for most of us. But in the unlikely event that you are sued or held responsible for an accident or injury, your entire financial future could be at risk. - [Insurance Rates Rising? Excessive Claims Might be the Culprit](https://www.thejemezagency.com/rising-insurance-rates/): If you’re like most people, you pay your auto or homeowners’ insurance on time every month, and maybe you make an occasional claim when the need arises. While this is part of the purpose of paying for insurance, what you might not realize is that those cl - [Three Common Myths about Renters Insurance](https://www.thejemezagency.com/myths-about-renters-insurance/): There are many benefits to renting a home. A renter doesn't have to worry about property taxes and market declines, repair bills, or sometimes even mowing the yard. One thing that renters should worry about is whether or not their personal belongings are - [The Cost of Auto Insurance: It’s Personal](https://www.thejemezagency.com/cost-of-auto-insurance-its-personal/): There are few shopping experiences as personal as buying auto insurance. To build your quote, an insurance agent will ask a number of questions, from... - [Independent Agents – Ending Your Frustration, One Quote at a Time](https://www.thejemezagency.com/ending-your-frustration-one-quote-at-a-time/): Shopping for insurance policy can be an overwhelming and frustrating experience. Whether you need car insurance, homeowners insurance or a review of b... ## Products - [Captive vs. Independent Agents: The Decision That Quietly Shapes Your Financial Protection for Years](https://www.thejemezagency.com/insurance-services/captive-independent-agents-the-decision-that-quietly-shapes-your-financial-protection-for-years/): The Jemez Insurance Agency provides Captive vs. Independent Agents: The Decision That Quietly Shapes Your Financial Protection for Years for Los Alamos and all of New Mexico. - [Auto Shopping](https://www.thejemezagency.com/insurance-services/auto-shopping/): The Jemez Insurance Agency provides Auto Shopping for Los Alamos and all of New Mexico. - [Church Insurance](https://www.thejemezagency.com/insurance-services/business-insurance/church-insurance/): The Jemez Insurance Agency provides Church Insurance for Los Alamos and all of New Mexico. - [Underinsured/Uninsured Motorists](https://www.thejemezagency.com/insurance-services/personal-insurance/underinsured-uninsured-motorists/): The Jemez Insurance Agency provides Underinsured/Uninsured Motorists for Los Alamos and all of New Mexico. - [Snowmobile Insurance](https://www.thejemezagency.com/insurance-services/personal-insurance/snowmobile-insurance/): The Jemez Insurance Agency provides Snowmobile Insurance for Los Alamos and all of New Mexico. - [Renters Insurance](https://www.thejemezagency.com/insurance-services/personal-insurance/renters-insurance/): The Jemez Insurance Agency provides Renters Insurance for Los Alamos and all of New Mexico. - [Rental Property Insurance](https://www.thejemezagency.com/insurance-services/personal-insurance/rental-property-insurance/): The Jemez Insurance Agency provides Rental Property Insurance for Los Alamos and all of New Mexico. - [Personal Watercraft Insurance](https://www.thejemezagency.com/insurance-services/personal-insurance/personal-watercraft-insurance/): The Jemez Insurance Agency provides Personal Watercraft Insurance for Los Alamos and all of New Mexico. - [Personal Umbrella Insurance](https://www.thejemezagency.com/insurance-services/personal-insurance/personal-umbrella-insurance/): The Jemez Insurance Agency provides Personal Umbrella Insurance for Los Alamos and all of New Mexico. - [Motorcycle Insurance](https://www.thejemezagency.com/insurance-services/personal-insurance/motorcycle-insurance/): The Jemez Insurance Agency provides Motorcycle Insurance for Los Alamos and all of New Mexico. - [Motor Home / RV Insurance](https://www.thejemezagency.com/insurance-services/personal-insurance/motor-home-rv-insurance/): The Jemez Insurance Agency provides Motor Home / RV Insurance for Los Alamos and all of New Mexico. - [Mobile (Manufactured) Home Insurance](https://www.thejemezagency.com/insurance-services/personal-insurance/mobile-manufactured-home-insurance/): The Jemez Insurance Agency provides Mobile (Manufactured) Home Insurance for Los Alamos and all of New Mexico. - [Homeowners Insurance](https://www.thejemezagency.com/insurance-services/personal-insurance/homeowners-insurance/): The Jemez Insurance Agency provides Homeowners Insurance for Los Alamos and all of New Mexico. - [High Net Worth Coverage](https://www.thejemezagency.com/insurance-services/personal-insurance/high-net-worth-coverage/): The Jemez Insurance Agency provides High Net Worth Coverage for Los Alamos and all of New Mexico. - [Flood Insurance](https://www.thejemezagency.com/insurance-services/personal-insurance/flood-insurance/): The Jemez Insurance Agency provides Flood Insurance for Los Alamos and all of New Mexico. - [Earthquake Insurance](https://www.thejemezagency.com/insurance-services/personal-insurance/earthquake-insurance/): The Jemez Insurance Agency provides Earthquake Insurance for Los Alamos and all of New Mexico. - [Condominium Insurance](https://www.thejemezagency.com/insurance-services/personal-insurance/condominium-insurance/): The Jemez Insurance Agency provides Condominium Insurance for Los Alamos and all of New Mexico. - [Collector Car Insurance](https://www.thejemezagency.com/insurance-services/personal-insurance/collector-car-insurance/): The Jemez Insurance Agency provides Collector Car Insurance for Los Alamos and all of New Mexico. - [Boat & Marine Insurance](https://www.thejemezagency.com/insurance-services/personal-insurance/boat-marine-insurance/): The Jemez Insurance Agency provides Boat & Marine Insurance for Los Alamos and all of New Mexico. - [Auto Insurance](https://www.thejemezagency.com/insurance-services/personal-insurance/auto-insurance/): Independent auto insurance for Los Alamos & New Mexico drivers since 1963.We compare carriers and explain New Mexico's 2026 UM/UIM rules. Call(505) 662-5181. - [ATV Insurance](https://www.thejemezagency.com/insurance-services/personal-insurance/atv-insurance/): The Jemez Insurance Agency provides ATV Insurance for Los Alamos and all of New Mexico. - [Personal Insurance](https://www.thejemezagency.com/insurance-services/personal-insurance/): The Jemez Insurance Agency provides Personal Insurance for Los Alamos and all of New Mexico. - [Manufacturers Insurance](https://www.thejemezagency.com/insurance-services/business-insurance/manufacturers-insurance/): The Jemez Insurance Agency provides Manufacturers Insurance for Los Alamos and all of New Mexico. - [Liquor Liability Insurance](https://www.thejemezagency.com/insurance-services/business-insurance/liquor-liability-insurance/): The Jemez Insurance Agency provides Liquor Liability Insurance for Los Alamos and all of New Mexico. - [Medical Malpractice Insurance](https://www.thejemezagency.com/insurance-services/business-insurance/medical-malpractice-insurance/): The Jemez Insurance Agency provides Medical Malpractice Insurance for Los Alamos and all of New Mexico. - [Non-Profit Insurance](https://www.thejemezagency.com/insurance-services/business-insurance/non-profit-insurance/): The Jemez Insurance Agency provides Non-Profit Insurance for Los Alamos and all of New Mexico. - [Product Liability Insurance](https://www.thejemezagency.com/insurance-services/business-insurance/product-liability-insurance/): The Jemez Insurance Agency provides Product Liability Insurance for Los Alamos and all of New Mexico. - [Professional Liability (Errors & Omissions) Insurance](https://www.thejemezagency.com/insurance-services/business-insurance/professional-liability-errors-omissions-insurance/): The Jemez Insurance Agency provides Professional Liability (Errors & Omissions) Insurance for Los Alamos and all of New Mexico. - [Restaurant & Bar Insurance](https://www.thejemezagency.com/insurance-services/business-insurance/restaurant-bar-insurance/): The Jemez Insurance Agency provides Restaurant & Bar Insurance for Los Alamos and all of New Mexico. - [Special Event Insurance](https://www.thejemezagency.com/insurance-services/business-insurance/special-event-insurance/): The Jemez Insurance Agency provides Special Event Insurance for Los Alamos and all of New Mexico. - [Surety Bonds](https://www.thejemezagency.com/insurance-services/business-insurance/surety-bonds/): The Jemez Insurance Agency provides Surety Bonds for Los Alamos and all of New Mexico. - [Technology Insurance](https://www.thejemezagency.com/insurance-services/business-insurance/technology-insurance/): The Jemez Insurance Agency provides Technology Insurance for Los Alamos and all of New Mexico. - [Vineyard & Winery Insurance](https://www.thejemezagency.com/insurance-services/business-insurance/vineyard-winery-insurance/): The Jemez Insurance Agency provides Vineyard & Winery Insurance for Los Alamos and all of New Mexico. - [Workers’ Compensation Insurance](https://www.thejemezagency.com/insurance-services/business-insurance/workers-compensation-insurance/): The Jemez Insurance Agency provides Workers’ Compensation Insurance for Los Alamos and all of New Mexico. - [Kidnap & Ransom Insurance](https://www.thejemezagency.com/insurance-services/business-insurance/kidnap-ransom-insurance/): The Jemez Insurance Agency provides Kidnap & Ransom Insurance for Los Alamos and all of New Mexico. - [Hotel & Motel Hospitality Insurance](https://www.thejemezagency.com/insurance-services/business-insurance/hotel-motel-hospitality-insurance/): The Jemez Insurance Agency provides Hotel & Motel Hospitality Insurance for Los Alamos and all of New Mexico. - [General Liability Insurance](https://www.thejemezagency.com/insurance-services/business-insurance/general-liability-insurance/): The Jemez Insurance Agency provides General Liability Insurance for Los Alamos and all of New Mexico. - [Garage Insurance](https://www.thejemezagency.com/insurance-services/business-insurance/garage-insurance/): The Jemez Insurance Agency provides Garage Insurance for Los Alamos and all of New Mexico. - [Employment Practices Liability Insurance (EPLI)](https://www.thejemezagency.com/insurance-services/business-insurance/employment-practices-liability-insurance-epli/): The Jemez Insurance Agency provides Employment Practices Liability Insurance (EPLI) for Los Alamos and all of New Mexico. - [Directors and Officers Liability Insurance](https://www.thejemezagency.com/insurance-services/business-insurance/directors-and-officers-liability-insurance/): The Jemez Insurance Agency provides Directors and Officers Liability Insurance for Los Alamos and all of New Mexico. - [Cyber Liability Insurance](https://www.thejemezagency.com/insurance-services/business-insurance/cyber-liability-insurance/): The Jemez Insurance Agency provides Cyber Liability Insurance for Los Alamos and all of New Mexico. - [Contractor’s General Liability Insurance](https://www.thejemezagency.com/insurance-services/business-insurance/contractors-general-liability-insurance/): The Jemez Insurance Agency provides Contractor’s General Liability Insurance for Los Alamos and all of New Mexico. - [Commercial Umbrella Insurance](https://www.thejemezagency.com/insurance-services/business-insurance/commercial-umbrella-insurance/): The Jemez Insurance Agency provides Commercial Umbrella Insurance for Los Alamos and all of New Mexico. - [Commercial Property Insurance](https://www.thejemezagency.com/insurance-services/business-insurance/commercial-property-insurance/): The Jemez Insurance Agency provides Commercial Property Insurance for Los Alamos and all of New Mexico. - [Commercial Auto Insurance](https://www.thejemezagency.com/insurance-services/business-insurance/commercial-auto-insurance/): The Jemez Insurance Agency provides Commercial Auto Insurance for Los Alamos and all of New Mexico. - [Business Owners Package Insurance](https://www.thejemezagency.com/insurance-services/business-insurance/business-owners-package-insurance/): The Jemez Insurance Agency provides Business Owners Package Insurance for Los Alamos and all of New Mexico. - [Business Interruption Insurance](https://www.thejemezagency.com/insurance-services/business-insurance/business-interruption-insurance/): The Jemez Insurance Agency provides Business Interruption Insurance for Los Alamos and all of New Mexico. - [Builder’s Risk Insurance](https://www.thejemezagency.com/insurance-services/business-insurance/builders-risk-insurance/): The Jemez Insurance Agency provides Builder’s Risk Insurance for Los Alamos and all of New Mexico. - [Business Insurance](https://www.thejemezagency.com/insurance-services/business-insurance/): The Jemez Insurance Agency provides Business Insurance for Los Alamos and all of New Mexico. - [Valuable Items Insurance](https://www.thejemezagency.com/insurance-services/personal-insurance/valuable-items-insurance/): The Jemez Insurance Agency provides Valuable Items Insurance for Los Alamos and all of New Mexico. ## Insurance Carriers - [American Modern Insurance](https://www.thejemezagency.com/insurance-companies/american-modern-insurance): We’ve helped countless people throughout New Mexico save money and enjoy the peace of mind that a policy from American Modern Insurance provides. - [Philadelphia Indemnity Insurance Company](https://www.thejemezagency.com/insurance-companies/philadelphia-insurance): We’ve helped countless people throughout New Mexico save money and enjoy the peace of mind that a policy from Philadelphia Indemnity Insurance Company provides. - [The General](https://www.thejemezagency.com/insurance-companies/the-general): We’ve helped countless people throughout New Mexico save money and enjoy the peace of mind that a policy from The General provides. - [Foremost Insurance](https://www.thejemezagency.com/insurance-companies/foremost-insurance): We’ve helped countless people throughout New Mexico save money and enjoy the peace of mind that a policy from Foremost Insurance provides. - [New Mexico Mutual](https://www.thejemezagency.com/insurance-companies/new-mexico-mutual): We’ve helped countless people throughout New Mexico save money and enjoy the peace of mind that a policy from New Mexico Mutual provides. - [Central Insurance Companies](https://www.thejemezagency.com/insurance-companies/central-insurance-companies): We’ve helped countless people throughout New Mexico save money and enjoy the peace of mind that a policy from Central Insurance Companies provides. - [The Progressive Corporation](https://www.thejemezagency.com/insurance-companies/progressive-insurance): We’ve helped countless people throughout New Mexico save money and enjoy the peace of mind that a policy from The Progressive Corporation provides. - [The Hartford Insurance Group, Inc.](https://www.thejemezagency.com/insurance-companies/the-hartford): We’ve helped countless people throughout New Mexico save money and enjoy the peace of mind that a policy from The Hartford Insurance Group, Inc. provides. - [The Travelers Indemnity Company](https://www.thejemezagency.com/insurance-companies/travelers-insurance): We’ve helped countless people throughout New Mexico save money and enjoy the peace of mind that a policy from The Travelers Indemnity Company provides. - [Liberty Mutual Insurance](https://www.thejemezagency.com/insurance-companies/liberty-mutual-insurance): We’ve helped countless people throughout New Mexico save money and enjoy the peace of mind that a policy from Liberty Mutual Insurance provides.