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Las Cruces, New Mexico Insurance Blog

Grindell & Romero Insurance strives to provide you with the most up-to-date insurance news and resources. Please use our New Mexico insurance blog to learn more about our home insurance, life insurance, business insurance, and auto insurance products as well as much more!

Best Tips to Save on Car Insurance for Teens and Student Drivers

Few young people can afford to insure themselves. The best money-saving bet for a new driver is to get on the family’s multi-car policy. That’s not to say bringing a young person into the family policy will be cheap. When a teen comes aboard, the typical policy gets...

8 Ways to Save Money on Your Homeowners Insurance

Contrary to popular opinion, it is possible to reduce the cost of a homeowners insurance policy significantly. It is true that you have no power over some factors that affect the premium rates such as crime rates in the neighborhood and cataclysmic weather conditions....

How To Keep Premiums Low After A Fender Bender

Fender benders: we’ve all had them. Maybe you got distracted or misjudged the distance between your car and the one in front. Or maybe the other driver stopped too quickly and there was nothing you could have done. But whatever happened, you’re left with one question:...

Why General Liability Insurance Is Important For Small Businesses

Businesses typically need various kinds of insurance coverage to cover their assets in the event of various accidents, disasters or legal matters. General Liability insurance (or Commercial General Business Liability) is designed to cover the basic liabilities,...

Why Landlords Should Require Renters Insurance

There are several reasons why landlords should require tenants to carry renters insurance. The greatest benefit, in a nutshell, is that rental insurance will take care of the tenant's financial needs during crises - and when the resident is covered, the landlord is...

6 Types of Insurance Everyone Needs – Living a Life Free of Uncertainty

Life is full of uncertainty. You may be strong and healthy today and sick the next day. You could also hit the road and be the victim or cause of a car accident along the way. When these disasters happen, it pays to have an insurance policy to cover any resulting...

Homeowners Insurance Mistakes That Can Cost You Dearly

When it comes to homeowners insurance, a minor oversight can become a major mistake that costs you dearly. From not choosing the right policy to failing to cover all the contingencies, the following are the most common home insurance mistakes. Knowing these can help...

Challenges of Buying First-Time Car Insurance and How to Overcome Them

Buying car insurance can prove to be overwhelming for a first-time car owner. Whether you were previously using your parent’s policy or are acquiring one for the very first time, the process of buying insurance for a young driver brings a unique set of challenges....

Reasons You Should Buy No Medical Exam Term Life Insurance

The emerging fashion of buying everything online has entered the insurance industry in form of no medical exam life insurance. This is is no wonder seeing how the whole family can get protection within minutes from the comfort of their home. This new alternative is...

Benefits of Getting Life Insurance

People do not want to think about death at any point in their lives. However, there are many reasons why you might want to start thinking and planning for it. A life insurance policy gives your family financial security even when you are no longer with them. Having...

What Are the Different Types of Homeowners Insurance Policies?

With almost all mortgage lenders requiring homeowners insurance, it is important to know which types are available to you.  There are seven types of homeowners insurance that each has varying levels of protection. HO-1 BASIC FORM - Basic homeowner’s insurance provides...

Do College Students Need Renters Insurance?

With rising college tuition costs, hectic class schedules, and social engagements, renters insurance is not typically on the top of a student's priority list. Depending on the student's situation, neglecting to purchase renters insurance could be costly. The...

Top 5 Mistakes Business Make When Filing Insurance Claims

When an unthinkable disaster or accident happens to your business, it’s easy to get flustered and distracted in the chaos. Understanding the common mistakes business make when filing claims can help better prepare you for when your business is damaged. You can’t...

5 Questions to Ask When Buying Life Insurance

A lot of thought goes into shopping for a life insurance policy and it’s bound to prompt many questions. Typical when you buy a life insurance policy, you are making a long-term commitment for 10, 20, or even 30 years, so it is important to do your research. Choosing...

Protecting the Irreplaceable: Child Car Safety Tips

Having car insurance is important, but it's not a replacement for proactive car safety, especially when it comes to protecting the irreplaceable -- our children being at the very top of that list. As a parent or caregiver, you can play a major role in protecting the...

Spring Maintenance Tips to Prevent Home Insurance Claims

The flowers are blooming, the days are longer, Spring has arrived. Now is the perfect time to do some basic spring maintenance and prevention checks on your home. Keeping your home in top shape will help keep your property safe all year long and prevent future home...

Buying a Car? Consider New Car Insurance

  When you decide to buy a new car you have many important decisions to make. This can be a fun and interesting time as you decide on the colors, model, power, functionality, and almost everything else involved. While those choices can be exciting, you should not...

Top 3 Insurance Types Your Small Business Needs

When you own a small business, you have a lot to protect. Getting the right small business insurance coverage is critical to protect and secure your company's future. There is much to consider and understand when buying a small business insurance policy. To make sure...

Car Break-Ins: How to Avoid and Protect Yourself from Theft

Car break-ins are a common crime and can happen when you least expect it, even in your own neighborhood.  Walking up to your car and seeing shattered glass from your broken window is one of the worst, violating feelings. Not only is your vehicle damaged, but your...

How Old Should You Be When You Buy Life Insurance?

People often think that they can wait until they are old before purchasing life insurance, but this is a risky proposition. In fact, age has little or nothing to do with when one should purchase life insurance, other than the fact that the older you get, the more...

Three Simple Rules For Home Insurance

The first rule of home insurance is you need home insurance. Homeowners insurance is as much a necessity as auto insurance and not only is it required by your mortgage provider, but it’s a great way to safeguard your nest egg. When buying a home, your mortgage...

5 Reasons to Buy Renters Insurance

1. Protect your personal property from unforeseen events. Don’t make the mistake of thinking that you’re covered by your landlord’s insurance policy. In fact, most landlords’ policies don’t protect tenant's’ property from unforeseen events, such as fires, floods, or...

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