Insurance Is Easier to Buy Than It Is to Understand.
These resources are designed to change that.
The Shamas Insurance Resource Center provides straightforward answers to the questions New Mexico families and businesses ask before—and after—they buy insurance.
No jargon for the sake of jargon.
No scare tactics.
Just useful information that can help you ask better questions.
Home Insurance Resources
What Does Homeowners Insurance Cover in New Mexico?
Understand the major pieces of a homeowners policy and the questions to ask about limits, deductibles, and exclusions.
Replacement Cost vs. Market Value
Why the amount required to rebuild a house can differ greatly from its real estate value.
New Mexico Wind, Hail and Wildfire Insurance Questions
What homeowners should review when considering common New Mexico property risks.
Auto Insurance Resources
How Much Auto Insurance Do I Need in New Mexico?
Why statutory minimum coverage and appropriate personal limits aren't necessarily the same thing.
Collision vs. Comprehensive Coverage
A plain-English explanation of two commonly confused auto coverages.
What Should I Compare Besides the Auto Insurance Premium?
A checklist of limits, deductibles, and important policy differences.
Life & Income Protection Resources
Term vs. Permanent Life Insurance
Understand the basic differences before deciding what may fit your situation.
How Much Life Insurance Should I Consider?
A framework for evaluating income, debt, dependents, and long-term goals.
How Does Disability Insurance Work?
Learn about benefit periods, waiting periods, and policy definitions.
Business Insurance Resources
What Business Insurance Is Required in New Mexico?
General Liability vs. Professional Liability
What Is a Business Owners Policy?
Does My Business Need Commercial Auto Insurance?
New Mexico Workers' Compensation Requirements for Employers
What Insurance Should a New Business Consider?
Insurance Buying Guides
How to Compare Two Insurance Quotes
Two prices are easy to compare.
Two insurance policies may not be.
This guide explains what to look at before assuming the cheaper quote is the better deal.
What to Bring to an Insurance Review
Find out which documents can make a coverage review faster and more useful.
Have a Question We Haven't Answered?
Tell us.
The best resource topics often start with a real client question.