Best Alaska Homeowners Insurance Quotes (2025)
COUNTRY Financial offers some of the cheapest homeowners insurance policies in Alaska, with monthly premiums starting at $87.
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The average cost of homeowners insurance in Alaska is $1,116 annually for a policy with $300,000 in dwelling coverage and a $1,000 deductible, Insurify data shows.
Alaska experiences severe weather and natural events occasionally, including earthquakes. Homeowners may want to consider adding earthquake insurance since standard policies don’t include this coverage.
Here’s what you should know about comparing home insurance quotes and what insurers are best for which types of homeowners in Alaska.
Quick Facts
COUNTRY Financial, State Farm, and Umialik Insurance are the cheapest homeowners insurance companies in Alaska.
Earthquakes, blizzards, and wildfires are some common perils in Alaska.
Alaska’s average home insurance rate is one of the lowest in the country and significantly lower than the national average rate of $2,532 for a policy with $300,000 in dwelling coverage.
Best home insurance companies in Alaska
Several high-quality home insurance companies serve Alaska. The best home insurance company for you will depend on your unique needs and situation.
Start your search with the companies in the table below.
Insurance Company  | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Average Annual Premium | Best For |
|---|---|---|---|
| COUNTRY Financial | N/A | $942 | Cheapest rates |
| State Farm | 4.1 | $1,021 | High-value homes |
| Umialik Insurance | N/A | $1,106 | New homes |
| Allstate | 4.1 | $2,704 | Specialty coverages |
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Cheapest rates: COUNTRY Financial
Best insurer for high-value homes: State Farm
Best insurer for new homes: Umialik Insurance
Best insurer for specialty coverages: Allstate
Find Cheap Home Insurance in Alaska
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Cheapest home insurance in Alaska
Alaska’s homeowners have many affordable options when looking for a home insurance policy. Your rate might vary based on a variety of factors, including your coverage level, your home’s age and condition, your ZIP code, your credit history, and the inflation rate.[?]
The table below lists the cheapest home insurance companies in Alaska and their average monthly premiums.
The below rates are estimated rates current as of: Monday, October 6 at 5:00 PM PDT.
Data reviewed by Andrew Huang)
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Chartered financial analyst
12+ years in data analysis and marketing
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Insurance Company | Average Monthly Premium |
|---|---|
| COUNTRY Financial | $87 |
| USAA | $92 |
| State Farm | $109 |
| Allstate | $149 |
Cost of homeowners insurance in Alaska
The average cost of homeowners insurance in Alaska is $1,116 per year for a homeowners policy with a $300,000 coverage limit and a $1,000 deductible. Your coverage level and deductible are two factors in your control that can affect your rates. Your ZIP code, proximity to emergency services, home’s value, and home’s claim history are others that affect home insurance rates.
Shopping widely for home insurance and receiving quotes from multiple homeowners insurance companies can help you save money and find the right coverage for your budget.
Cost of homeowners insurance by dwelling coverage amount
Dwelling coverage is the insurance used to repair or rebuild your home in the event of a covered peril, such as a fire or severe weather event. Choosing a higher level of dwelling coverage leads to higher monthly premiums. Insurance experts recommend purchasing enough dwelling coverage to rebuild your home, which will vary based on factors like your home’s value, construction, and the local cost of labor and materials.[?]
Here are the average annual premiums in Alaska based on dwelling coverage limits.
The below rates are estimated rates current as of: Monday, October 6 at 5:00 PM PDT.
Data reviewed by Andrew Huang
Chartered financial analyst
12+ years in data analysis and marketing
Featured in
Insurance Company | Average Monthly Premium |
|---|---|
| COUNTRY Financial | $62 |
| USAA | $73 |
| State Farm | $86 |
| Allstate | $102 |
The below rates are estimated rates current as of: Monday, October 6 at 5:00 PM PDT.
Data reviewed by Andrew Huang
Chartered financial analyst
12+ years in data analysis and marketing
Featured in
Insurance Company | Average Monthly Premium |
|---|---|
| COUNTRY Financial | $87 |
| USAA | $92 |
| State Farm | $109 |
| Allstate | $149 |
The below rates are estimated rates current as of: Monday, October 6 at 5:00 PM PDT.
Data reviewed by Andrew Huang
Chartered financial analyst
12+ years in data analysis and marketing
Featured in
Insurance Company | Average Monthly Premium |
|---|---|
| USAA | $124 |
| COUNTRY Financial | $142 |
| State Farm | $147 |
| Allstate | $245 |
Cost of homeowners insurance by deductible
Your home insurance deductible is the amount you pay out of pocket in the event of covered losses. For instance, if you choose a $1,000 deductible, you’ll pay $1,000 to cover repairs before your insurance coverage kicks in. Lower deductibles come with higher monthly premiums and vice versa. Evaluate your financial situation closely when choosing a deductible amount.
The following table outlines the average annual premiums in Alaska based on deductible. Rates shown are for a policy with $300,000 in dwelling coverage.
Deductible Amount | Average Annual Premium |
|---|---|
| $500 | $1,172 |
| $1,000 | $1,116 |
How to get cheap homeowners insurance in Alaska
Alaska homeowners already enjoy relatively affordable homeowners insurance rates. You can save even more on homeowners insurance with the following strategies:
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How much homeowners insurance do you need in Alaska?
While state law doesn’t mandate homeowners insurance, all mortgage lenders will require you to purchase insurance when you finance your home.
You should purchase enough insurance to cover the costs of repairing or replacing your home in the event of a total loss. Your policy should include dwelling coverage, personal property coverage, and liability coverage. You may want additional coverage like flood insurance or earthquake insurance, which standard homeowners policies don’t include.
Knowing the materials used to build your home, its size, age, and local repair costs can help you choose the type of policy you need and dwelling coverage limits. Taking inventory of your personal belongings (including valuable assets and items) can help you determine your personal property limits.[?]
Liability coverage protects you in the event of an injury occurring on your property. Most insurance experts recommend purchasing liability coverage limits of $300,000–$500,000.
What are some of the biggest risks when owning a home in Alaska?
Severe weather events regularly affect the United States’ largest state. Alaska homeowners should be prepared for the following perils:
Alaska homeowners insurance FAQs
If you’re shopping for a home insurance policy in Alaska, this additional information may help as you research your coverage options.
How much is home insurance in Alaska?
Home insurance in Alaska costs $1,116 per year for a policy with a $1,000 deductible and $300,000 in dwelling coverage, according to Insurify data. But your individual rates will vary depending on factors such as your ZIP code, age of your home, square footage of your home, and the coverage levels you choose.
Which company has the cheapest homeowners insurance in Alaska?
COUNTRY Financial has the cheapest homeowners insurance in Alaska, with monthly premiums of $87.
Does Alaska require homeowners insurance?
No. Alaska doesn’t require homeowners insurance, but your mortgage company will require it if you financed the purchase of your home.
It’s important to insure your home even if you don’t have a mortgage. Without insurance, you’d be on the hook financially if something damaged your home and you had to make costly repairs.
How much home insurance do you need in Alaska?
There’s no specific amount of home insurance that you need in Alaska. At a minimum, you should have a policy with enough dwelling coverage to cover the cost of rebuilding your home if it was a total loss. Talk to an insurance agent about which specific coverages and amounts might make sense for your situation.
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