High Country Agency, Inc

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8:30 - 5:00 M-Th
8:30 - 4:30 Fri

706 Mechem Drive, Ruidoso, NM 88345



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Ski Apache


Our staff is here to serve you!!

Please contact us if we can assist you in any way. Our email addresses are below if you would like to send us an email.


High Country Agency Staff


Bart Garrison, CIC - Email Bart

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 serve 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 Arlene

I have been in insurance for 13 years and for the past three years have been a member of the High Country Agency family. My family and I moved to Ruidoso in 2005. I am a member of One Church and of the Alamogordo White Sands Rotary Club. My son Lance and his wife Kaitlin live in Alamogordo where he serves as the Youth Minister at The Worship Center. Our family loves to camp, go four wheeling, and ride motorcycles. When we are not doing insurance we are more than likely in the great outdoors.


Debbie Hernandez, CISR (Personal Lines CSR) - Email Debbie

My family and I moved to Capitan, NM in 1995. I became a member of the High Country Agency team February 27, 2001 and have loved the opportunity to grow within the agency from being the company receptionist to a licensed insurance agent, and CISR.

Living in the Ruidoso/Capitan area has given me the opportunity to serve the community in many different organizations. I was the Cub-Scout master in Capitan for 2 years. I was also my daughter's Daisy and Brownie leader, and secretary for the High Country Rodeo Association. I served as the secretary for the Carrizozo Chamber of Commerce, as well as the VP for the Capitan Booster Club. I am currently the secretary for the Ruidoso Lincoln County Crime Stoppers Organization, and served as a board member for St. Joseph's Apache Mission transition project.

I've been married for 28 years, have 3 beautiful children, which my two oldest have Blessed Mike and I with 3 wonderful grandchildren. My youngest son is a student at Dona Ana Branch studying to become an Electrical Lineman just like his older brother. My daughter completed the NM Police Academy Dispatcher Program in Santa Fe, NM ranking in the top 5 of her class, and is now a dispatcher for Ruidoso Downs Police Dept. I have been very Blessed to live in these beautiful mountains meeting wonderful people who cross my path every day.


Kimberly Smith, CISR - Email Kim

I 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 - Email Danielle

I was born and raised here in Ruidoso. I have watched this small town grow into a popular tourist town. I am a part of the Roadrunner Food Distribution and have helped with the backpack program. 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.



Kaitlin Garrison - Email Kaitlin

This fine city of Alamogordo has been my home since 2005. I moved away for four years to attain my Bachelor’s degree at ENMU in Portales, and as of June 2016—I am officially back in the heart of the desert! My husband, Lance, and I have been blessed with the opportunity to serve at our church, The Worship Center, as youth ministers. I believe that investing in the next generation is absolutely essential and it is one of my biggest passions. I have also served as a children’s pastor, worship leader, and girl’s small group leader. I began working at High Country Agency shortly after returning to Alamogordo and it has been awesome learning the ins and outs of the insurance industry. Being a part of the High Country Agency team is a joy and a pleasure as we daily get the opportunity to serve the members of our community!




8:30 - 5:00 M-Th
8:30 - 4:30 Fri

1400 E. 9th, Ste B, Alamogordo, NM 88310


Mail Address
P.O. Box 1890, Alamogordo, NM 88311


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