Farmers Insurance Agent in Albuquerque, NM
David ZambranoDavid Zambrano Agency LLCAbout Me
My name is David Zambrano and I am your local Farmers® Business Insurance Agent in Albuquerque, NM. If you’re like most business owners, you don’t have much time to spend on insurance. That’s where I come in. Let me help you identify and minimize risk.
Give me a call at (505) 294-8204 and I'll be happy to answer any questions you might have.
Languages Spoken: English
Insurance Products Offered
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Comprehensive coverage? Collision coverage? Deductibles? Medical Payments? Where to begin? Your local Farmers agent can take the mystery out of selecting the right Car insurance coverage for your needs and budget. Get started with an online Auto insurance quote and learn about our insurance discounts that can help you save money.
Your home is perhaps your most valuable possession, so you'll want to make sure your insurer has withstood the test of time. Farmers® has been providing insurance products for over 80 years, and will be there in the event disaster strikes and your home is damaged in a fire or due to another covered cause of loss. Plus, get competitive rates with our multi-line insurance discounts. Get a Home insurance quote now.
How much has your life changed in the last few years? Whether you've purchased a home, gotten married, had children or started a small business, it's a good idea to review your Life insurance policy. Call me today so you can create a plan to help provide financial support for those who depend on you.ADFL029AWS 9/17
Your landlord may have an insurance policy, but if there's a fire in your building, that policy may not cover your possessions. That's why there's Renters insurance. Get a Renters insurance quote to see how affordable it is to protect your personal belongings.
Managing your small business can be complex, selecting the right Business insurance for your unique operation doesn't have to be. No matter the type of business, a Farmers agent can help you customize an insurance package to reduce your risk and protect your investment. Request a Business insurance quote today to get started.
Your condo is more than a place you call home. It’s also a major investment filled with possessions you want to protect. Get a quote on condo insurance to see how affordable it is to protect your personal belongings.
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As a motorcycle enthusiast, you're all about adventure and fun. The last thing you want to worry about is whether you have the right Motorcycle insurance policy. Talk to a Farmers agent about Motorcycle insurance discounts such as rewards for responsible riders and insuring more than one bike with Farmers.
When enjoying the great outdoors, you shouldn't have to be thinking about your insurance coverage. Make sure you have Recreational insurance coverage from an industry leader. Whether you own a boat, travel trailer, ATV or Motor Home, Farmers Insurance has flexible coverage options and insurance discounts. Contact a Farmers agent to get a quote.
You work hard for the things that are important to you. For added coverage above and beyond the liability limits of your Auto or Home insurance policies, a Personal Umbrella insurance policy can provide added protection for your assets and future earnings.
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Farmers Smart Plan Home® simplify your decision with customizable packages! Such as, SEWER & DRAIN DAMAGE - Extended Contents coverage includes personal property covered under Coverage C - Personal Property for sewer and drain backup damage. Min $5,000 Max $50,000
PLUMBING REPAIR - limited coverage is provided for cost to repair or replace the specific part of the plumbing system from which water may have discharged, erupted, released, or overflowed during a covered water loss. Min and Max $1,000
LIMITED WATER LEAKAGE - This endorsement will provide coverage in the event of a hidden leakage water loss. These losses are not covered in the base contract but will be covered up to the endorsement limits if the endorsement is on the policy. Min $5,000 Max $25,000
LIMITED MOLD COVERAGE - limited coverage is provided for all covered mold loss and 'remediation' of covered loss which includes mold. Min $5,000 Max $10,000
SERVICE LINE - This endorsement provides coverage for direct physical loss or damage to service line covered property that is caused by a service line occurrence to service line covered property on the residence premises. This coverage’s stated limit includes any excavation costs needed to repair or replace service line covered property, and any Loss of Use costs incurred during the repair or replacement of service line covered property. Details: Cost of endorsement: Deductible: $500. Limits: $10,000 - Extensions of Coverage with sub-limits per occurrence for: Green Environmental, Safety and Efficiency Improvements – 150% of what the cost would have been to repair or replace covered property with like kind and quality. Refer to endorsement J7300-Service Line for coverage details.
EQUIPMENT BREAKDOWN - This endorsement provides coverage for mechanical breakdown, electrical or electronic breakdown, or rupture, bursting, bulging, implosion or steam explosion of covered home equipment that results in direct physical loss or damage and requires repair or replacement of all or part of the damaged covered home equipment, such as central air conditioning/heating systems, well pumps, electrical service panels, water heater, etc. Details: Deductible: $500, Limits: $100,000 per equipment breakdown occurrence. Extensions of Coverage with sub-limits per occurrence for: Expediting Expense - $10,000; Spoilage - $10,000; Noxious Substance Cleanup and Removal - $10,000; Off-Premises Coverage - $10,000; and Green Environmental, Safety and Efficiency Improvements – 150% of what the cost would have been to repair or replace covered property with like kind and quality. Refer to endorsement J7301-Equipment Breakdown for coverage details.
When you purchase an additional policy, you might also qualify for a multi-line discount! Call me to schedule a date & time to meet for a Farmers Friendly Review.
Whole Life insurance is designed for long-term purposes because a Whole Life policy does not have a specified term – the policy will be there for your family when you pass away. Furthermore, Whole Life insurance has a living benefit, as the policy will grow “cash value”. The cash value is a savings account that accumulates over time and it may be used for retirement, put a down payment on a new home or vehicle, or simply take a vacation.
Term Life insurance is designed for short-term purposes, is the least expensive, and guaranteed not to increase throughout the term, generally 10, 20, or 30 years. Whether it’s, accidental or terminal illness, the money will be disbursed to your family within the specified term you choose. The Term Life Policy can pay for funeral expense, replace income, send kids to college, pay off a mortgage or other debt, and give your family time to grieve.
You may do a combination of Whole Life and Term, recommended, or you may select one of the two policies attached. Life insurance is tax free, so your loved ones you leave behind, do not have to worry about paying taxes on the money received.
Call me today to schedule an appointment.
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Farmers has spent the last 60 years getting to know outdoor enthusiasts. From boats, personal watercraft and off-road vehicles to motor homes, travel trailers and 5th wheels, we have an array of specialized coverage options. Call me today for more information!
If you’re in an accident, our goal at Farmers is to help you get back on the road — safely and quickly — with our award-winning claims service. Farmers has many optional coverages you may add to your Auto policy. Some of those coverages include rental reimbursement, glass coverage, accident forgiveness, disability, and more. To learn more about the advantages of Farmers auto coverage, call me today!
No two companies are exactly alike. That’s why you can build a customized Farmers business insurance policy with options that provide coverage for your specific needs and challenges. There are many endorsements you may add to your Business Owners Policy. Call me to verify which endorsement is right for your business!