icon-call
Find Your Agent
Search Please enter a zip code or agent name
Get A Quote arrow right

Essential

Why Home Insurance is Essential in Alaska

Alaska homeowners face specific risks that make comprehensive coverage a necessity:

  • Severe Weather: Heavy snowfall, freezing temperatures, and ice storms can cause structural damage and power outages.
  • Earthquakes: While not covered under standard home insurance, earthquake protection can be critical in this seismically active state.
  • Wildfires: Remote and forested areas are at increased risk of wildfires, especially during dry seasons.
  • Flooding & Water Damage: Melting snow and ice dams can lead to severe water damage, which standard policies often don’t cover.
  • Wildlife Encounters: In some areas, property damage from animals like bears and moose is a concern.

Coverage

What Does Home Insurance Cover in Alaska?

A standard homeowners insurance policy in Alaska typically includes:

  • Dwelling Coverage: Protects the structure of your home from covered perils like snowstorms, fires, and wind damage.
  • Personal Property Coverage: Covers belongings such as furniture, appliances, and clothing if stolen or damaged.
  • Liability Protection: Helps cover legal expenses if someone is injured on your property.
  • Additional Living Expenses (ALE): Covers temporary living costs if your home becomes uninhabitable due to a covered event.

Options

Additional Coverage Options for Alaska Homeowners

Since Alaska presents unique challenges, additional coverage options are recommended:

  • Earthquake Insurance: Standard policies do not cover earthquakes, so adding a separate earthquake policy is essential.
  • Flood Insurance: Many areas in Alaska are prone to flooding due to rapid snowmelt. Homeowners may need a National Flood Insurance Program (NFIP) or private flood policy.
  • Sewer Backup & Ice Dam Coverage: Helps cover water damage from burst pipes, sewage backups, and ice dams on roofs.
  • Extended Replacement Cost: Protects against increased construction costs if your home needs repairs after a widespread disaster.

Get a Home Insurance Quote Today

Whether you’re purchasing a new home or looking to save on your current policy, Goosehead Insurance can help you find the right home insurance in Alaska. Get a free quote today!

Call us now or click below to compare quotes and find the best home insurance policy for your Alaskan home.

New Customers Call 833-779-4090

Cost

How Much Does Home Insurance Cost in Alaska?

Home insurance rates in Alaska vary based on several factors, including:

  • Location: Remote properties may have higher premiums due to limited access to emergency services.
  • Home Construction: Homes built to withstand cold temperatures and heavy snow loads may qualify for lower rates.
  • Claims History: A history of previous insurance claims can impact your premium.
  • Deductible: Choosing a higher deductible generally lowers your monthly premium.

On average, Alaskans pay $800 to $1,100 per year for homeowners insurance, but Goosehead Insurance helps compare multiple policies to ensure you get the best rate.

Save

Ways to Save on Home Insurance in Alaska

Homeowners in Alaska can take advantage of several savings opportunities:

  • Bundle Home & Auto Insurance: Many insurers offer discounts when you combine policies.
  • Upgrade Home Safety Features: Installing security systems, smoke detectors, and winter-proofing measures may lower premiums.
  • Disaster Preparedness Discounts: Some insurers offer lower rates for homes equipped with earthquake-resistant features.

Choose Goosehead

Why Choose Goosehead Insurance for Your Alaska Home?

Goosehead Insurance provides Alaska homeowners with personalized coverage options from top-rated insurance carriers. Benefits of choosing Goosehead include:

  • Multiple Carrier Options: We compare policies from top providers to find the best coverage.
  • Expert Guidance: Our agents help tailor a policy specific to your home’s needs with high quality service.
  • Simple & Transparent Process: We make shopping for home insurance stress-free and straightforward.



Notice of Rights to Opt Out of Sale/Sharing

Some states have enacted comprehensive privacy laws that grant their residents with the right to opt out of “targeted advertising,” “selling,” or “sharing” of personal information.
 

We or our marketing and advertising service providers may use information about your activities on our Website or other websites to help tailor our advertisements or offers to what may interest you. To opt out of these activities while using our Website move the above toggle to the left and confirm your choices below. These activities are based on online cookies and the opt-out choice is specific to this device. Should you ever clear your cookies on this browser or use another browser or device you may need to opt-out again.

Exercising your State Specific Comprehensive Privacy Rights 
To submit a data privacy request and request access to or deletion of your personal information, or to exercise any other data rights under California, Colorado, Connecticut, Delaware, Iowa, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, Oregon, Tennessee, Texas, Utah, and Virginia* law, please contact us using one of the following methods:
  • Website: you may visit https://www.gooseheadinsurance.com/consumer-privacy-requests/ to exercise your privacy rights via our website. Please fill in the appropriate web form so that we may verify and process your request in an efficient manner.
  • Email: you may contact us at [email protected] to exercise your privacy rights. Please include your full name, email address, and the phone number associated with your insurance policy, along with why you are writing.
  • Phone: you may call and leave a voicemail 1-888-928-0031 to exercise your privacy rights. Please include your full name and the phone number associated with your insurance policy, along with why you are calling.
  • Mail: you may mail a letter to exercise your privacy rights (see Contact Us below). Please include your full name, phone number, and the details of your request
*While Connecticut, Delaware, Iowa, Minnesota, Montana, Nebraska, New Hampshire, New Jersey Oregon, Tennessee, Texas, Utah, and Virginia have enacted privacy laws, Goosehead is exempt based on its status as an insurance producer and/or its compliance with the Gramm-Leach Bliley Act.
 
Methods to Opt-Out of Sharing of Personal Information for Targeted Advertising: To limit interest-based advertising generally click here and/or select the “limit ad tracking” or equivalent setting in your mobile device settings. Additionally, if you enable a browser-based opt-out preference signal, such as Global Privacy Control, in certain jurisdictions, upon receipt or detection, we will make reasonable efforts to treat the signal as a valid request to opt out of the sharing of Personal Information for targeted advertising pursuant to applicable law.

To access our full Privacy Policy, please click here.

The Digital Agent is under maintenance

Please defer to our insurance type form to get in touch with an agent.