Average homeowners insurance cost in Juneau, Alaska

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In Juneau, homeowners pay an average annual rate of $1,322 for a coverage level that includes $300,000 for dwelling, $100,000 for liability protection, and a $1,000 deductible, according to our data. This is $1,260 less than the national average of $2,582 .

Homeowners insurance premiums can vary significantly from one property to another. In Juneau, the cost of home insurance is influenced by several factors, including:

The size of your home
The age of your home
The amount of coverage you need
Where you live
Your credit score

Country Financial is the cheapest homeowners insurance company in Juneau with an average annual premium of $1,155 per year.

This guide covers everything from available coverage options to companies with the cheapest homeowners insurance rates in Juneau. Keep reading to learn about the monthly cost of homeowners insurance in Juneau, the cost for different dwelling coverage levels, and which companies provide the most affordable home insurance in Juneau.

Key Takeaways

The average cost of homeowners insurance in Juneau is $1,322 per year.
Country Financial is the cheapest homeowners insurance company in Juneau with an average annual premium of $1,155 .
If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $273 more a year for home insurance.

Average homeowners insurance cost per month

Residents of Juneau pay an average of $110 per month for homeowners insurance. This is $31 less than the state average of $141 and $105 less than the national average for home insurance across the United States. The cost of your homeowners insurance policy in Juneau can vary depending on your location, property value, and selected coverage options.

Average homeowners insurance cost for a $200,000 house

In Juneau, AK, homeowners pay an average of $1,049 annually for a $200,000 house. The amount you pay for home insurance each year depends on factors such as natural disasters or events within your locality.

Some regions are more at risk for natural disasters, like floods, hurricanes, or tornadoes, implying higher rebuilding rates in these areas, resulting in costlier insurance premiums. It’s essential to note that your insurance policy might not cover damages caused by floods or hurricanes. If you reside in an area prone to flooding, consider buying flood insurance.

Average homeowners insurance cost for a $300,000 house

Juneau residents pay an average of $1,322 per year to insure a home for coverage limits of $300,000 dwelling, $100,000 liability with a $1,000 deductible. To increase your dwelling coverage from $200,000 to $300,000, you’ll pay an additional $273 per year.

The smartest approach is to carry enough insurance to cover the full cost of rebuilding your home.

Average homeowners insurance cost in Juneau by company

Among the carriers we analyzed, Country Financial is the most affordable homeowners insurance company in Juneau. Its average annual rate for homeowners in Juneau is $1,155 , while Western National Mutual ranks second.

Research on the company is essential before selecting a homeowners insurance policy. Insure.com has thoroughly examined all insurance companies operating in Juneau and compiled a list of the most affordable home insurance companies.

Below are details of Juneau home insurance companies and their average annual premiums.

Home Insurance Company	Annual rate
Western National Mutual	$1,232
Allstate	$1,378
State Farm	$1,569
Country Financial	$1,155
USAA*	$1,306

*USAA is only available to military community members and their families.

Combining your home insurance with other policies, like auto insurance, can result in significant savings. Insurers often provide discounts to policyholders who bundle their policies, helping you reduce premiums. Bundling lowers your premiums and simplifies managing your insurance with one company.

Natural disasters in Alaska that can impact your home insurance

Natural disasters are a part of life in Alaska, often leading to expensive insurance claims. That’s why it’s so important to understand which disasters are most likely in your area before choosing a home insurance policy.

When you’re aware of the specific risks in your region, you can tailor your coverage to match – whether that means increasing your policy limits, choosing a deductible you’re comfortable with, or adding extra protection for uncovered events. Taking these steps now can help you avoid being underinsured and give you more financial security if a natural disaster hits your area.

Alaska is commonly affected by Avalanche and Tsunami.

How home insurance protects you against natural disasters

Home insurance can provide valuable protection against the financial impact of natural disasters. Standard home insurance policies typically cover damages from fire, windstorms, hail and lightning. However, events such as floods, earthquakes or landslides are excluded and require purchasing additional policies or endorsements. For example, flood insurance must be purchased separately, as it is not typically covered by a standard home insurance policy.

Home insurance pays for home repairs, replacement belongings and temporary living expenses if your dwelling becomes uninhabitable due to damage. The protection offered by home insurance can significantly reduce the financial impact of natural disasters.

Check for coverage gaps before it’s too late

Many homeowners find out too late that their insurance doesn’t cover certain natural disasters. Be proactive – review your policy, ask your insurer about disaster-specific exclusions, and explore additional protection if you’re in a high-risk zone.

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Juneau for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.

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Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.