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Finding the cheapest home insurance in Alaska requires getting quotes from multiple home insurance companies.

Home insurance companies don’t devise rates in all the same way. One may put a greater emphasis on one metric, such as a home’s claims history, while not caring as much about another, such as a person’s credit. That’s one reason why it pays to get quotes from multiple insurance companies.

We found that Umialik has the cheapest homeowners insurance rates in Alaska with an average annual premium of $1,260 or $105 per month for $300,000 dwelling and $300,000 liability coverage with a $1,000 deductible.

Let’s take a look at the cheapest homeowners insurance in Alaska and how to find the best home insurance rates.

Key Takeaways

  • In Alaska, the cheapest homeowners insurance is offered by Umialik at $1,260 per year for $300,000 dwelling coverage, $300,000 liability protection and $1,000 deductible.
  • The zipcode 99821 in Alaska offers the homeowners insurance at the cheapest rate of $1,336 per year.

Cheap homeowners insurance companies in Alaska

Home insurance costs are a vital part of finding a homeowners insurance policy. Who has the cheapest homeowners insurance in Alaska?

Umialik, Country Mut and Safeco are the cheapest homeowners insurance companies in Alaska, on average.

Here are average Alaska homeowners insurance rates for a policy with $300,000 dwelling coverage and $300,000 liability protection with a $1,000 deductible.

CompanyAverage annual premiumAverage monthly premium
Umialik$1,260$105
Country Mut$1,291$108
Safeco$1,324$110
USAA$1,505$125
Allstate$2,076$173
State Farm$2,521$210

Compare cheap homeowners insurance in Alaska by ratings

It’s a smart move to shop around to look for cheap homeowners insurance and compare policies and coverages from different insurance providers carefully. Here we have compared the cheapest home insurance companies in Alaska based on J.D. power score and AM Best ratings that help you to choose the best among the options available.

CompanyJ.D. Power scoreAM Best rating
USAA882A++
State Farm835A++
Allstate829A+
Safeco810A

How much is home insurance in Alaska

The average cost of homeowners insurance in Alaska is $1,799 for $300,000 dwelling and $300,000 liability with a $1,000 deductible. The average Alaska home insurance costs are $506 less than the national average.

Average annual premiumAverage monthly premium
$1,799$150

Multiple factors play a role in homeowners insurance cost, including:

  • Location, including ZIP code
  • Level of coverage
  • Home construction and age
  • Your claims history 
  • Your home’s claims history
  • The area’s claims history
  • Deductible
  • Credit history

Cheapest homeowners insurance in Alaska by ZIP code

99821 has the cheapest homeowners insurance, among large cities surveyed, with average rate of $1,336 per year, which is $111 per month. Here are how Alaska cities rank for average home insurance rates:

ZIP codeAverage annual premiumAverage monthly premium
99821$1,336$111
99801$1,345$112
99824$1,347$112
99835$1,363$114
99840$1,382$115
99827$1,396$116
99833$1,422$118
99829$1,424$119
99516$1,448$121
99603$1,461$122
99832$1,462$122
99515$1,471$123
99927$1,479$123
99577$1,482$124
99517$1,488$124

Know how much is home insurance in other states

Alabama$2,981/Year
Arkansas$3,439/Year
Arizona$1,976/Year
California$1,166/Year
Colorado$3,082/Year
Connecticut$1,961/Year
Washington D.C.$1,488/Year
Delaware$1,521/Year
Florida$3,439/Year
Georgia$2,555/Year
Hawaii$499/Year
Iowa$2,540/Year
Idaho$1,842/Year
Illinois$2,201/Year
Indiana$2,423/Year
Kansas$3,931/Year
Kentucky$2,862/Year
Louisiana$3,270/Year
Massachusetts$1,920/Year
Maryland$1,518/Year
Maine$1,833/Year
Michigan$2,153/Year
Minnesota$3,010/Year
Missouri$3,111/Year
Mississippi$3,340/Year
Montana$2,809/Year
North Carolina$2,009/Year
North Dakota$2,601/Year
Nebraska$3,133/Year
New Hampshire$1,455/Year
New Jersey$1,744/Year
New Mexico$2,299/Year
Nevada$1,486/Year
New York$1,840/Year
Ohio$2,107/Year
Oklahoma$4,445/Year
Oregon$1,608/Year
Pennsylvania$1,720/Year
Rhode Island$2,125/Year
South Carolina$2,678/Year
South Dakota$3,172/Year
Tennessee$2,692/Year
Texas$3,429/Year
Utah$1,378/Year
Virginia$1,956/Year
Vermont$1,212/Year
Washington$1,514/Year
Wisconsin$1,732/Year
West Virginia$2,486/Year
Wyoming$2,083/Year
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Les Masterson
Contributor

 
  

Les, a former managing editor, insurance, at QuinStreet, has more than 20 years of experience in journalism. In his career, he has covered everything from health insurance to presidential politics.

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