Martha A. Sanchez Insurance Agency, Inc

11/02/2026

When a client, landlord, or general contractor asks your business for a certificate of insurance, what are they looking for?

A certificate of insurance (COI) is a summary showing certain coverage reflected on your policy when the certificate is issued. It can help provide proof of coverage, but it does not change or expand your policy. Our team can help clients request a certificate when one is needed.

A warm welcome to new clients who previously worked with Justin Ruiz. Thank you for placing your trust in our agency. We’re here to make the transition smooth and comfortable, with no pressure. Our team brings 20 years of insurance experience and five licensed agents ready to help.

Serving New Mexico and Texas with Care and Clarity. MAS gives you MORE. ¡Hablamos español!

Office: 2145 E Lohman Ave Ste B, Las Cruces, NM
Phone: (575) 527-9889
https://masinsagency.com/

Protection is subject to eligibility, underwriting, policy terms, conditions, limits, and exclusions. Specific coverages vary by policy.

If your business needs a certificate or you have questions, feel free to contact us. We’re happy to help, no pressure.

Schedule a consultation for personal insurance with MAS Insurance Agency to explore tailored coverage, bilingual support, and reliable service.

10/30/2026

Cold mornings are here, and the camper is probably done for the season. Before it sits, a little winterizing can save a lot of trouble in the spring.

A quick checklist many RV and travel trailer owners follow:
- Drain the water lines and add RV antifreeze so trapped water can't freeze and split pipes
- Leave faucets open after draining, and cover roof vents to block drafts
- Disconnect the battery or use a maintainer, and add fuel stabilizer so the engine starts in March
- Store it where your policy expects it to be, and keep records of what you did

Here's the part most owners don't hear until claim time: freeze damage is a common exclusion when an RV wasn't winterized, and some policies ask that it be stored a certain way. What's covered depends on the policy, its limits, and the circumstances, so it's worth confirming before the first hard freeze, not after.

Questions about how your RV or travel trailer policy reads? That's what we're here for. Care and Clarity, with nearly 20 years of experience serving New Mexico and Texas. MAS gives you MORE. ¡Hablamos español!

575-527-9889 | masinsagency.com

Protection is subject to eligibility, underwriting, policy terms, conditions, limits, and exclusions. Specific coverages vary by policy.

10/30/2026

Halloween is almost here, and the porch light will be on all across the Mesilla Valley. 🎃

If trick-or-treaters are stopping by your place this week, a few simple steps can help keep the evening fun for everyone:

- Clear the walkway of hoses, cords, and anything easy to trip over
- Keep the path lit from the sidewalk to your door
- Secure pets away from the front entrance
- Swap burned-out porch bulbs so steps stay visible

It is also a natural moment to think about how your homeowners policy fits the picture. Liability coverage can generally help if a guest is accidentally injured at your home, but coverage, limits, and exclusions can vary by policy. If you host often, it may be worth a quick review to see how your policy addresses visitors.

Questions? We are here with care and clarity, nearly 20 years of helping New Mexico and Texas families. ¡Hablamos español!

📞 575-527-9889
🌐 masinsagency.com

MAS gives you MORE.

Protection is subject to eligibility, underwriting, policy terms, conditions, limits, and exclusions. Specific coverages vary by policy.

10/30/2026

Think commercial property insurance is out of reach for a smaller building? It might cost less than you think.

Here is a real-world example of how a Las Cruces landlord package came together: a small investment building, insured for its full replacement cost, with general liability, business income and rental value, and even commercial crime protections all packaged in one business owners policy. With the right discounts applied, that whole package came in at roughly the cost of a modest monthly utility bill, about $112 a month.

What that kind of package typically includes:

Building coverage at replacement cost, often with an automatic annual increase to help keep pace with construction costs
Business income and rental value coverage, so the rent does not stop when a covered loss interrupts your tenant
General liability with limits that protect you as the property owner
Commercial crime options like employee theft and funds transfer fraud protection
Extras such as outdoor signage, paved surfaces, fences, and lock replacement

The MAS approach is Care and Clarity. We walk the building with you, look at what it would actually cost to rebuild today, and package the coverages that make sense, nothing more and nothing forced. Nearly 20 years of experience serving New Mexico and Texas.

Call 575-527-9889 or visit https://masinsagency.com/ to talk through your building.

MAS gives you MORE. ¡Hablamos español!

Protection is subject to eligibility, underwriting, policy terms, conditions, limits, and exclusions. Specific coverages vary by policy.

10/30/2026

The boxes come down from the garage shelf this weekend, and December among the top months of the year for U.S. home fires is right around the corner. Before the lights go up, a quick walkthrough worth ten minutes.

Holiday decorating safety, the quick version:

• Check every light string for frayed wires, cracked sockets, or loose bulbs before it goes on the tree or the roofline. If a string is worn out, replace it rather than patching it.
• Plug lights and decorations directly into wall outlets, and avoid chaining extension cords or overloading a single outlet. Outdoors, use cords and lights rated for exterior use.
• Keep decorations that can burn at least three feet from fireplaces, heaters, and candles, and never leave lit candles in a room alone.
• Water a real tree daily. A dry tree and warm lights are a combination fire departments respond to hundreds of times each season, according to national fire data.
• Blow out candles and switch off light strings before bed or when leaving the house.

One clarity note: if a decorating mishap ever does cause fire damage, how a homeowners policy responds can depend on the policy itself, its limits, and the circumstances. Coverage is not identical from home to home, which is exactly why an annual review matters before the season gets busy.

Care and Clarity. Nearly 20 years of experience. MAS gives you MORE. ¡Hablamos español!

Questions about your home coverage before the holidays? Call 575-527-9889 or visit masinsagency.com.

Protection is subject to eligibility, underwriting, policy terms, conditions, limits, and exclusions. Specific coverages vary by policy.

10/29/2026

Medicare myth: "I'll figure it out when I turn 65." The truth? The rules around enrollment windows and penalties trip up even careful planners, and waiting usually makes them harder to untangle. Let's bust those myths together, live.

Join us this morning at 10:00 AM MT for "Getting Started with Medicare," our weekly Facebook Live Q&A with Martha Sanchez and Medicare Specialist Joana Rodriguez. Joana brings 20+ years of experience, and no question is too basic or too complicated. Bring yours!

Prefer to talk one-on-one? Call Joana at 575-527-9889 or visit masinsagency.com to set up a Medicare informational appointment.

Have questions before we go live? You can also learn anytime at Medicare.gov or by calling 1-800-MEDICARE.

Please don't share personal health information or plan details in the comments, as we'll discuss those privately. We are not affiliated with or endorsed by Medicare, CMS, or the U.S. government.

Care and Clarity. MAS gives you MORE. ¡Hablamos español!

10/27/2026

The first hard freeze of the season always catches a few homes off guard. A burst pipe is one of those problems that starts small and turns into a soaked floor, ruined baseboards, and a week of drying fans.

A few steps worth taking before the next cold night:

Let faucets on exterior walls drip when temperatures drop near freezing. Moving water is much harder to freeze.
Open the cabinet doors under sinks on outside walls so warm air can reach the pipes.
Disconnect and drain garden hoses, and cover outdoor faucets.
Wrap any exposed pipes in the garage, attic, or crawl space with foam insulation sleeves.
Know where your main water shutoff valve is before you need it. Everyone in the house should know.

One clarity note: depending on the policy, water damage from a burst pipe may generally be covered, while the pipe itself often is not. Damage from a slow leak that developed over time can be treated differently, and limits and exclusions vary, so it is worth knowing where your policy draws the line before the freeze, not after.

A pipe check takes ten minutes and saves a very cold phone call. If you want a second set of eyes on how your policy handles water damage, we are happy to help.

With nearly 20 years of experience, the Martha A. Sanchez Insurance Agency is here with Care and Clarity for families across New Mexico and Texas. MAS gives you MORE. ¡Hablamos español!

Call us at 575-527-9889 or visit https://masinsagency.com/

Protection is subject to eligibility, underwriting, policy terms, conditions, limits, and exclusions. Specific coverages vary by policy.