Click on the Coverage you are interested in, then give us a call!

Here at Leavell's we want to be the only insurance company you need.  We carry a wide range of coverages with numerous companies to find the insurance that most suits your needs at the best value!

Automobile Insurance Coverage:
Find out what many of your friends and neighbors have already found out. Leavell Insurance, established in 1951 provides excellent service at affordable rates. We offer Personal Automobile policies from major, preferred markets.

Good service does not have to cost more! Let us show you.

In New Mexico, automobile insurance usually provides the following protection. This is listed for illustration only and does not represent the actual terms and conditions of the policy.

• Bodily Injury and Property Damage Liability - pays on behalf of the insured the damages that he/she is liable to others for bodily injury and/or property damage through the use and maintenance of insured vehicle(s). The limits can be per person, per accident, or one single limit for all.

• Medical Payment - reimburse the insured and passengers for medical expenses incurred in an automobile accident. The limit is per person.

• Uninsured Motorist Bodily Injury - Reimburse the insured(s) for damages as if the at fault opposite party is insured.

• Uninsured Motorist Property Damage - Waives the collision deductible, or in the absence of Collision coverage, pays the actual damages to the insured vehicle(s) not to exceed $3,500; when the insured vehicle is damaged by an at-fault uninsured motorist.

• Comprehensive - Physical damage to the insured vehicle(s) other than Collision. The settlement is at the actual cost to repair or replace, not to exceed the actual market value of the vehicle.

• Collision - Physical damage to the insured vehicle by collision with other vehicles or objects. The settlement is at actual cost to repair or replace, not to exceed the actual market value of the vehicle.

• Rental Reimbursement - Pays for the rental cost of a substitute vehicle when the insured vehicle is being repaired due to an insured incident.

• Towing and Labor - Pays for the towing of the insured vehicle irrespective of the cause of breakdown.

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Homeowners Insurance Coverage:
Your home is one of your biggest investments. Don't trust this important decision to an unlicensed or out-of-state person over the telephone. Our agents live and work in your neighborhood. They offer rates and coverages that meet or beat most companies while offering prompt, local claims service. Talk with your Leavell Insurance professional today about comparing your present coverages and rates.

Good service does not have to cost more! Get to know us.

Homeowner's insurance usually includes the following protection. The following is listed for illustration only and does not represent the terms and conditions of the policy.

• Dwelling - To repair or replace the insured structure (your home) from physical damages.
• Other Structure - To repair or replace other structure incidental to the insured dwelling (i.e. a detached garage) from physical damages.
• Unscheduled Personal Property - To repair or replace insured's damaged or lost personal property. Certain items of value such as jewelry, money & securities, etc. are subject to a maximum individual limit.
• Loss of Use - To reimburse the insured incurred additional cost for a temporary dwelling when the insured structured is damaged by an insured peril and is untenable.
• Comprehensive Personal Liability - Protects the insured(s) from legal liability arising out of personal activities.
• Medical Payments to Others - Pays for your guests' out of pocket medical expenses incurred while they are on your premises arising out of an accident.

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Marine Craft Insurance Coverage:
Here at Leavell Insurance we can provide you with a broad coverage, low cost insurance policy and one also one that accommodates the full spectrum of boats, from small outboards to performance, as well as large sail and power yachts, with coverages tailored to each type of boaters needs.

Marine craft insurance usually includes the following protection. The following is listed for illustration only and does not represent the terms and conditions of the policy.

• All-Risk Hull Insurance- Covers physical damage or loss to the boat, as well as its machinery, furniture, navigational equipment and all miscellaneous gear which is essential to, and used primarily for the boat's operation and maintenance. Covers afloat, ashore and while being transported 12 months a year.
• Protection and Indemnity- Covers loss of life, personal injury and damage to the property of others for which the owners may be held legally liable. This protection covers the unique maritime liability responsibilities of a boat owner. Covers removal of wreck and pollution cleanup.
• Medical Payments- If you, your family, or guests are injured while boarding, leaving, or aboard your boat all reasonable expenses will be paid - regardless of your liability.

The policy generally also includes:

• Emergency Service Coverage
• Uninsured Boaters Coverage
• 15-Day Automatic Coverage for Newly Acquired Boats
• Personal Effects

We also have a special programs for Jet Skis/Personal Watercraft. Just give us a call!

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Recreational Vehicle Insurance Coverage:
You could be in for an unpleasant ordeal should you experience a loss with your RV. Your auto and homeowner's policies may not cover such items as appliances, plumbing or accessories. Emergency expenses incurred while traveling would undoubtedly come out of your own pocket. Our A + rated companies provide coverages far above and beyond the modest coverage provided by your auto insurance company. The following descriptions are designed to be general guidelines only. These descriptions do not constitute a contract.

• Guaranteed Total Loss Replacement
  If you have a 1993 through 2000 model year RV, you are eligible for Total Loss Replacement.Total Loss Replacement. Explained... If your RV is destroyed within its first five model years, this coverage will ensure that you get a brand new RV- even if it costs more than you paid for the original unit! This coverage is a great way to protect your investment from the effects of depreciation. During model years 6 through the life of your policy our companies will pay the original purchase price toward the cost of a new RV.

• Automatic Coverage for Accessories
  Our companies automatically cover attached accessories such as awnings, satellite dishes, and air conditioning units.

• High Liability Limits
  Our policies start with your liability coverage at: $ 100,000 Each Person $ 300,000 Per Accident $ 50,000 Property Damage. Optional coverages: Up to $1 Million dollars of liability coverage.

• Collision With Low Branch or Overhang
  Covers damage to your RV and attached items like awnings and A/C Units.

• Collision With Another Vehicle
  Covers damage to your vehicle when you are involved in a collision with another vehicle. Ask about Diminishing Deductibles.

• Theft of Your RV
  Theft of your RV is covered under your comprehensive coverage with your choice of deductible.

• Flood
  Covers your RV and its contents from damage caused by high water.

• Fire
  Covers your RV and contents that are damaged or destroyed by smoke or fire.

• Windstorm
  Covers your RV, plus items like awnings and satellite dishes that are damaged by wind.

• Emergency Expenses
  Covers lodging, rental car and/or travel home if your RV is not useable due to a covered loss more than fifty miles from home.

• Vacation Liability
  Let's suppose a person slips on the steps of your parked RV. If you are found legally liable for the loss, our companies will pay for first aid and medical expenses.

• Theft of Your Personal Property
  Covers your personal items such as clothing, cameras, and tools inside or outside your rig. Our policies start with $2,000 of coverage.

• Damage by Stray Animals
  With a policy from our A+ rated companies you're even covered for damage by stray animals.

• Vandalism
  Damage by vandals is covered under your comprehensive coverage with the deductible you choose.

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Mobilehome - Manufactured Housing Insurance Coverage:
Mobilehome owners have the same concerns as any other homeowner; as well as special concerns that only mobilehome owners share.  Let us help you make sure you have the proper insurance protection for your mobilehome to help you achieve the peace of mind you deserve.

Mobilehome insurance usually includes the following protection. The following is listed for illustration only and does not represent the terms and conditions of the policy.

A Typical Mobilehome Insurance Policy Offers:

• Mobilehome Protection
  Provides coverage for your mobilehome against covered loss from most perils, except those specifically excluded in the policy. Some of the covered perils include: Fire, water damage from rupture of plumbing, and steam or water heating systems.

• Personal Property Protection
  Provides coverage for your personal property against loss from the following perils: fire, lightning, smoke, vandalism, falling objects, collapse and any other perils listed in your policy.
  
• Theft Coverage
  Provides coverage for your personal property against several types of loss due to theft including: theft both on and off premises, stolen credit cards, stolen or forged checks.
  
• Family Liability and Guest Medical Protection
  Provides coverage for your family against non-auto liability claims brought by others for accidental bodily injury or damage to their property. Also provides Guest Medical Protection, if someone is injured while on your property with your permission.

Mobilehome Insurance also Provides Protection For:

• Loss of Use of Residence Premises
  Pays for the reasonable increase in your living expenses necessary for maintaining your normal standard of living for up to the amount of time specified in the policy if you are unable to occupy your mobilehome due to a covered loss.

• Emergency Removal Service
  Pays up to $500 for reasonable expenses you incur to remove your mobilehome if it is endangered by a loss we cover.

Customize Your Mobilehome Insurance with:

• Replacement Cost for Your Mobilehome and Personal Property
  Provides full replacement cost for your insured mobilehome and for most of your insured personal property. If a covered total loss occurs, the insurance company will pay the full cost to repair or replace your mobilehome or damaged personal property with no deduction for depreciation. (Subject to limits in the policy.)

• Trip Collision
  Provides coverage for your mobilehome while moving it to another location.
  
• Extended Coverage on Jewelry, Watches, and Furs
  
• Extended Coverage on Fire Department Charges

Mobilehome insurance policies, like other insurances, have limits of liability and are subject to the terms and conditions of the policy. For more information on mobliehome insurance give Leavell Insurance a call!

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