Home Insurance in Alaska

Get a Quote

Discover savings with the AARP Homeowners Insurance Program from The Hartford.

Retrieve Saved Quote

Retrieve a Quote

Discover savings with the AARP Homeowners Insurance Program from The Hartford.

Start a New Quote

Protect Your Life and Home With Homeowners Insurance in Alaska

Homeowners in Alaska can face many risks throughout the year, like extreme temperatures, blizzards and wildfires. That’s why residents of the Last Frontier need the right homeowners insurance to stay protected. Since 1984, the AARP^® Homeowners Insurance Program from The Hartford¹ has made it easy for homeowners to get the coverage they need to protect their properties. So, if you’re looking for great home insurance in Alaska, you’ve come to the right place.

Alaska Homeowners Insurance Coverages

With The Hartford, you can customize your homeowners insurance policy to help make sure you’re protected with the things that matter most to you. However, policies from The Hartford come standard with the following homeowners insurance coverages:

Dwelling Insurance Coverage

Dwelling insurance coverage helps pay to repair or rebuild the structure of your home and the structures attached to it, such as roofs. It also includes internal systems like wiring and plumbing, plus heating and air conditioning. Most home insurance policies don’t cover damage from or earthquakes, but there are additional coverage options to help if these situations occur.

Other Structures Insurance Coverage

This helps cover structures on your property that aren’t attached to your house. For example, if your shed collapses from heavy snow, other structures coverage can help cover the cost of damages.

Personal Property Insurance Coverage

Personal property coverage helps protect your personal belongings such as furniture, clothing and appliances. When you insure your personal property with replacement cost coverage, covered property that is stolen or damaged will be replaced with a comparable item at today’s value, not depreciated actual cash value.

Loss of Use Coverage

This coverage helps pay your living expenses, up to policy limits, if you cannot live in your home due to a covered loss or after suffering a loss. So, if your house is damaged from a fire and needs repairs, this coverage helps to cover the costs to stay in a hotel or rental.

Personal Liability Coverage

If someone who is not a resident of your household suffers an injury or property damage for which you are legally responsible, personal liability can help cover your legal defense costs and any court judgments against you, up to your policy limits.

Medical Payments Coverage

Medical payments coverage helps pay emergency medical bills if someone who isn’t a resident of your household is injured on your property. It also covers injuries caused by a member of your family or pet, regardless of where it happens. Bills are paid, up to policy limits, whether you’re legally responsible or not.²

Hazard Insurance Coverage

Hazard insurance coverage is a term used by mortgage lenders. It refers to coverage that helps protect your home from various hazards such as wind, fire, hail and theft. It is not different than dwelling coverage. Your mortgage lender may require certain coverage limits to protect their investment in your property.

Recommended Coverages

Depending on your needs, you can also add additional coverages to your policy for extra protection, such as:

Equipment breakdown coverage to help cover your repair or replacement costs if your appliances or electronics break down. It also provides coverage if you want to make “green” upgrades. It pays up to 125% of your cost to replace any covered equipment with items that are similar, but more energy efficient or environmentally friendly. Keep in mind that this does not include normal wear and tear.
Valuable items blanket for extra protection for your valuable items, like jewelry, china or silverware.
Additional Limits coverage, which helps cover your costs to rebuild your home at an amount up to 125% of your policy limits if it’s a total loss. Depending on where you live, your policy can cover your costs up to 150% of your coverage limits.

Standard homeowners insurance policies don’t typically cover flood damage. However, you can purchase flood insurance as a separate policy if your community is part of the National Flood Insurance Program (NFIP).***

Is Homeowners Insurance Required in Alaska?

Homeowners insurance is not legally required in Alaska. However, if you have a mortgage on your home, your lender may require you to get coverage.

What Is the Average Cost of Homeowners Insurance in Alaska?

Wondering how much homeowners insurance rates are in Alaska? The average annual cost of homeowners insurance in Alaska is $1,019, which is $85 per month.³ This is lower than the national average cost of $1,759.⁴ However, insurance companies in Alaska take several factors into account when determining rates, so you may pay more or less than the average. Some factors that may affect how much you pay for home insurance include your:

Geographic location
Home’s age
Coverage limits
Claims history

Ways To Save on Home Insurance in Alaska

The Hartford offers many homeowners insurance discounts to help customers save money on insurance. For example, you can be eligible for discounts when you:

Bundle home and auto insurance: You could get up to 12% off your car insurance and up to 20% off your homeowners, renters or condo insurance just by bundling**
Add home security systems or burglar alarms
Install fire protection devices, like sprinkler systems

Get a Quote for Alaska Homeowners Insurance

The Hartford is an auto and home insurance company backed with over 200 years of experience. With our high ratings for claims and customer service, you can count on The Hartford to be there when you need us most. Get your fast and free homeowners insurance quote online or call 877-422-2345 today to start protecting your home through the AARP Homeowners Insurance Program from The Hartford.

Last Updated: August 7, 2024

² Medical payments are calculated on the basis of usual, customary and reasonable charges.

³^,⁴ Bankrate, “Average homeowners insurance cost in August 2024.”

*** This is an optional coverage and may not be available in all states.

** Average savings amounts based on information reported by customers who switched to The Hartford from other carriers between 9/1/22 and 8/31/23. Your savings may vary. Average auto insurance savings is $577 and average home insurance savings is $236. Rate differences for AARP members and non-members vary by state and AARP membership tenure. Auto/Home discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP Auto & Home Insurance program from The Hartford. The Hartford does not write new business in all areas, including the states of CA and FL.

^§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage^® is a registered mark of The Hartford.

^§§ Terms and conditions apply.

^‡ Terms and conditions apply. Accident Forgiveness and the Disappearing Deductible are not available to CA policyholders.

^‡‡ Terms and conditions apply. Availability varies by state.

^‡‡‡ Based on one car and driver; individual rate/premium/savings will vary based on actual coverage selections and characteristics of vehicle(s)/driver(s).

Additional disclosures below.

Home Insurance Alaska