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A form of property insurance that covers losses and damages to an individual's house and to assets in the home. Homeowners insurance also provides liability coverage against accidents in the home or on the property.

HEALTH- Insurance coverage that pays for medical and surgical expenses incurred by the insured. Health insurance can reimburse the insured for expenses incurred from illness or injury, or pay the care provider directly. A LIFE insurance policy is a contract with an insurance company. In exchange for premium payments, the insurance company provides a lump-sum payment, known as a death benefit, to beneficiaries upon the insured's death. Typically, life insurance is chosen based on the needs and goals of the owner.

Coverage that protects a person's or organization's insurable interest in materials, fixtures and/or equipment being used in the construction or renovation of a building or structure should those items sustain physical loss or damage from a covered cause.

A 401(k) is a retirement savings plan sponsored by an employer. It lets workers save and invest a piece of their paycheck before taxes are taken out. Taxes aren't paid until the money is withdrawn from the account.

Auto insurance is a contract between you and the insurance company that protects you against financial loss in the event of an accident or theft. ... Auto insurance provides coverage for: Property – such as damage to or theft of your car. Liability – your legal responsibility to others for bodily injury or property damage.

Motorcycle collision insurance covers damage to your motorcycle if you are involved in a collision with another vehicle. Your insurance company pays for damages (usually the book value of your bike before the loss occurred), minus your deductible.

The Allstate Corporation, Blue Cross and Blue Shield of New Mexico (BCBSNM) , Builders Trust of New Mexico, Chubb, Colorado Casualty, Fidelity, FISIF of the New Mexico, Foremost Insurance Group, The Hartford, Mountain States Insurance Group (MSIG), New Mexico Health Insurance Alliance, New Mexico Mutual Coverage @ Work, The Principal Financial Group® (The Principal®), Progressive, Republic Group, Safeco Insurance, Symetra Financial, Union Standard Insurance Group, Zurich,

Workers' compensation provides medical expenses, lost wages, and rehabilitation costs to employees who are injured or become ill “in the course and scope” of their job. It also pays death benefits to families of employees who are killed on the job.

• Bart Garrison, CIC - I started my insurance career in 1985 and joined the High Country Agency in 2005 when my family and I moved to Ruidoso. Believing that it is important to give back to the community I belong to, I have served on numerous boards including: board member, past president and current member of the Ruidoso Rotary Club; board member and chairman of the Ruidoso Valley Chamber of Commerce; board member and treasurer of the Lincoln County Home Builders Association; member and board member of One Church; member of the New Mexico Amigos; and on the Planning and Zoning Commission for Ruidoso. I truly enjoy Ruidoso and working with the best insurance team in New Mexico. ••••••••••Arlene Garrison - Email ArleneI started in insurance in 1979, with time off to raise a family I have 15 years of insurance experience. We are blessed with the absolute best costumers and I love being able to help each of them with their insurance needs. My family and I moved to Ruidoso in 2005, in 2015 when we opened the office in Alamogordo I started commuting to manage our Alamogordo office. I am a member of One Church in Ruidoso and of the Alamogordo White Sands Rotary Club. My son Lance and his wife Kaitlin live in Alamogordo where Lance serves as the Youth Minister at The Worship Center and Kaitlin teaches 2nd grade. Out family loves to camp, go four wheeling, ride motorcycles and be involved with our church and our community.•••••• •••••••Debbie Hernandez, CISR (Personal Lines CSR) - Email DebbieMy family and I moved to Capitan, NM in 1995. I became a member of the High Country Agency team February 27, 2001 and loved the opportunity to grow within the agency from being the company receptionist to a licensed insurance agent, and CISR. I served as the secretary for the Carrizozo Chamber of Commerce for several years, and served as the VP for the Capitan Booster Club. I had the honor of being the secretary for the Ruidoso Lincoln County Crime Stoppers Organization for 4 years, and served as a board member for St. Joseph's Apache Mission transition project. I am a member of One Church and assist with the woman’s ministries. I have 3 beautiful children, which my two oldest have Blessed me with 3 wonderful grandchildren. I have been very Blessed to live in these beautiful mountains meeting wonderful people who cross my path every day.•••••• •••••••Kimberly Smith, CISR (Commercial Lines CSR) - Email KimI moved to Ruidoso in 2009. I completed my Bachelor's in Business Administration in December of 2014. I have been in the insurance business since April of 2012. I was given the opportunity to come to High Country Agency in March 2013. After starting at High Country Agency, I was able to complete my CISR designation and am working towards my CIC designation. I have met and worked with a lot of wonderful people here and look forward to being able to continue making and strengthening my relationships with my co-workers and customers. I am blessed to be a part of the High Country Agency Family. ••••••• ••••••••Danielle Montes, CISR (Personal Lines CSR) - I was born and raised here in the beautiful mountains of Ruidoso. I have watched this small town grow into a popular tourist town. I have been a part of the Roadrunner Food Distribution and the backpack program. I also completed Leadership Lincoln and have served on the board. In the year of 2016 I was selected as the Customer Service Representative of year for the state of New Mexico in the Insurance industry. I love supporting the community in any way that I can. I was given the opportunity to come work for High Country Agency in May 2013 and that December received my Insurance license. Coming from having no experience in insurance, I have immensely expanded my knowledge of the industry and intend to let it keep growing. I enjoy the people I work with and am so glad to be a part of the High Country Agency Family.•••••••• •••••••••Sheila Segovia, Commercial Lines CSR assistant - I was born in El Paso, TX in 1993 and raised in Tularosa, NM. I moved here to this gorgeous town called Ruidoso in 2005. I graduated from Ruidoso High School in 2011. Here is where I found my amazing husband, which now we have two wonderful girls. In 2016, I became a part of the High Country Agency Family. It has been a true blessing to have such a great work team with my loving co-workers. I look forward to building my career here in the insurance business as far as I can go. I have met so many wonderful people from this community and will be grateful to work for them. I love to expand my knowledge and this place continues to surprise me. I will strive to do my best to provide excellent service for all our customers.••••••• •••••••Trish Jencks - As a military child I have been blessed to live in many different places, we moved to Alamogordo in 2007. I am a family person and love to spend my free time with my family and friends. I graduated from Alamogordo High School in 2012. In May 2019 I will be marrying my best friend Cody. I became part of the High Country Agency family in October 2018. I’m excited to see where this career takes me and to be able to help people in our community with their insurance needs.••••••• •••••••••Jonathan McCarty - I was born here in beautiful Ruidoso in 1979 and raised in Ft. Stanton and Capitan. I attended Capitan schools where I graduated in 1997. I began my career in golf course management the summer of 1997. I married my beautiful wife in 2004 and we now have three amazing children. I enjoyed my career so much that I became a golf course superintendent in 2014. In 2019 I decided to change careers after meeting Bart and his staff I knew this was a great fit for me. I plan to get my insurance license soon and continue to give the excellent service that is provided by High Country Agency.••••••••