Best Homeowners Insurance Companies in Alaska (2026)
State Farm, USAA, and COUNTRY Financial are top choices for Alaska homeowners insurance.
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Written byCharlie Hope D'Anieri
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Charlie Hope D'AnieriInsurance and Personal Finance Writer
7+ years in personal finance writing
Small business blogger
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Edited byKatie Powers
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
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Reviewed byJohn Leach
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John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
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Data reviewed byChase Gardner
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Chase GardnerData Insights Manager
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University of Chicago graduate with statistics degree
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Updated
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Alaska home insurance is quite affordable — at $1,356 per year for a policy with $300,000 of dwelling coverage, it’s about half the national annual average of $2,868. But it’s also the most earthquake-prone state, which requires a separate policy. And severe storms are on the rise across the state.
Here’s what you should know about home insurance in Alaska, including price, coverage options, customer service, and more.
Quick Facts
COUNTRY Financial, USAA, and State Farm are among the best home insurance companies in Alaska.
State Farm provides the cheapest home insurance rates in Alaska, at $1,021 per year for $300,000 in dwelling coverage.
Alaska homeowners should be sure that their dwelling coverage limits are at least 80% of their home’s value.
Best home insurance companies in Alaska
Alaska homeowners have plenty of robust options for a homeowners insurance policy. The best home insurance company for your homeowners policy will depend on the specifics of your situation.
COUNTRY Financial: Best for discounts
| 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. | NR |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A+ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $88/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $144/mo |
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
Not rated
Why we picked this company
COUNTRY Financial advertises 13 home insurance discounts. Alaska homeowners can save with discounts such as those for bundling policies, being a loyal customer, having a claims-free history, and installing protective devices.
With a strong financial rating from AM Best, you can expect the company to pay out its claims. But you’ll need to speak directly with an agent to buy a policy, and the app experience may leave a fair amount to be desired.
Pros
Affordable rates in Alaska
Average customer service ratings
Agents throughout Alaska
Cons
Agent-only policy purchase
Poorly rated mobile app
Available in only 19 states
Allstate: Best for coverage options
| 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. | 8.2 /10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A- |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $173/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $283/mo |
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
2.08
Why we picked this company
Allstate also offers specialized coverage and endorsement options for homeowners for added protection. You can protect your Alaska home with add-ons such as umbrella insurance, mobile home insurance, flood insurance, and more.
But when it comes to claims and customer satisfaction, Allstate falls a bit short. Its rates also aren’t the cheapest compared to other insurers.
Pros
AM Best financial strength rating of A+ (Superior)
Wide range of coverage options
Many available discounts
Cons
Below-average claims satisfaction
Higher rates than average in Alaska
Below-average J.D. Power customer satisfaction rating
State Farm: Best for cheap rates
| 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. | 8.2 /10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $123/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $167/mo |
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0
Why we picked this company
State Farm has some of the cheapest home insurance rates in Alaska. Its car insurance rates are affordable, making it a strong bundling option. And the company is an insurance giant that can pay out claims.
Pros
Strong customer satisfaction
Low rates in Alaska
AM Best financial strength rating of A+ (Superior)
Cons
Below-average claims satisfaction
No roofing discount
Local agents only
USAA: Best for veterans and military families
| 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. | 8 /10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $101/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $137/mo |
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.47
Why we picked this company
In Alaska, 10% of residents are military veterans — the highest rate nationwide.[1] The state also has a substantial population of active-duty service members on bases run by the Army, Air Force, and Coast Guard. USAA offers exceptional customer satisfaction, a wide selection of insurance discounts and coverages, and a strong claims-handling track record.
Pros
Best customer satisfaction ratings nationwide
Military-specific coverage options
Many available discounts
Cons
Above-average rates
Not available to non-military homeowners
No in-person locations
Chubb: Best for high-risk homes
| 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. | 7.8 /10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $308/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $474/mo |
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.12
Why we picked this company
Chubb’s standard homeowners policies offer expansive homeowners coverage, including extended replacement cost coverage if your expenses exceed your policy limit. Chubb’s claims satisfaction sets the industry standard.
Its prices aren’t the cheapest, but its rates in Alaska are nearly half the national average. So if you can stand to pay a little more, the rewards could be substantial if your home and personal property are at risk from snowstorms, fire, and other hazards — risks that every Alaskan bears to some degree.
Pros
Leader in claims satisfaction
Lots of extended coverages
AM Best financial strength rating of A++ (Superior)
Cons
High rates
Can’t get a quote online
Could be excessive coverage for some homeowners
Cheapest home insurance in Alaska
State Farm offers the cheapest home insurance in Alaska, at an average of $1,021 per year for $300,000 in dwelling coverage. The table below shows other affordable Alaska insurers.
The below rates in Alaska are estimated rates current as of: Tuesday, June 30 at 5:00 PM PDT.
Data reviewed by Chase Gardner
Chase GardnerData Insights Manager
Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree
Featured in
Insurance Company  | Average Annual Premium: With $300K in Dwelling Coverage |
|---|---|
| Umialik Insurance | $924 |
| Country Financial | $1,056 |
| USAA | $1,212 |
| State Farm | $1,476 |
| Allstate | $2,076 |
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How much does homeowners insurance cost in Alaska?
In Alaska, the average cost of homeowners insurance is $113 per month. But your specific rates will depend on a number of factors, including:[2]
Storm risk: Coastal areas are more vulnerable to hurricanes and heavy precipitation.
Wildfire risk: This depends on a number of local factors.
Attributes of your home: These can include materials, age, construction type, and recent updates. A home security system can lower your rates.
Your credit history: Insurance companies assess your financial health to set your rates.
Other factors: These include your claim history, the amount of coverage you choose, your deductible, the insurance discounts you get, and more.
Cheapest home insurance companies in Alaska by dwelling coverage
Dwelling coverage protects your physical home from damage caused by storms, fire, and other perils described in your policy.[3] These are the cheapest home insurance companies for dwelling coverage in Alaska, according to Insurify data:
The below rates in Alaska are estimated rates current as of: Tuesday, June 30 at 5:00 PM PDT.
Data reviewed by Chase Gardner
Chase GardnerData Insights Manager
Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree
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Insurance Company | Average Annual Premium |
|---|---|
| Country Financial | $756 |
| Umialik Insurance | $756 |
| USAA | $948 |
| State Farm | $1,176 |
| Allstate | $1,416 |
The below rates in Alaska are estimated rates current as of: Tuesday, June 30 at 5:00 PM PDT.
Data reviewed by Chase Gardner
Chase GardnerData Insights Manager
Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree
Featured in
Insurance Company | Average Annual Premium |
|---|---|
| Umialik Insurance | $924 |
| Country Financial | $1,056 |
| USAA | $1,212 |
| State Farm | $1,476 |
| Allstate | $2,076 |
The below rates in Alaska are estimated rates current as of: Tuesday, June 30 at 5:00 PM PDT.
Data reviewed by Chase Gardner
Chase GardnerData Insights Manager
Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree
Featured in
Insurance Company | Average Annual Premium |
|---|---|
| Umialik Insurance | $1,392 |
| USAA | $1,644 |
| Country Financial | $1,728 |
| State Farm | $2,004 |
| Allstate | $3,396 |
The below rates in Alaska are estimated rates current as of: Tuesday, June 30 at 5:00 PM PDT.
Data reviewed by Chase Gardner
Chase GardnerData Insights Manager
Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree
Featured in
Insurance Company | Average Annual Premium |
|---|---|
| Umialik Insurance | $2,040 |
| USAA | $2,136 |
| State Farm | $2,616 |
| Country Financial | $2,640 |
| Allstate | $4,800 |
Alaska homeowners insurance cost by city
Insurance companies factor in your ZIP code when setting homeowners rates. Premiums are often higher in cities due to higher accident and theft rates. But in Alaska’s case, Juneau home insurance rates track with the state average.
Instead, your Alaska home insurance rates will depend on your disaster risk. Coastal areas are more vulnerable to rainstorms and heavy snowfall, while in terms of earthquake insurance, your earthquake risk depends on your proximity to seismic fault lines.[4]
City | Average Annual Premium |
|---|---|
| Anchorage | $1,163 |
| Eagle River | $1,108 |
| Fairbanks | $1,345 |
| Juneau | $1,073 |
| Kenai | $1,226 |
| Ketchikan | $1,159 |
| North Pole | $1,352 |
| Palmer | $1,206 |
| Soldotna | $1,191 |
| Wasilla | $1,144 |
What homeowners should know about insurance in Alaska
With an extreme climate, severe weather threatens Alaskan homes. Here are a few hazards to watch out for and what that could mean for your homeowners insurance.
Earthquakes and tsunamis
Alaska bears the highest earthquake risk of any U.S. state — and, for that matter, much of the rest of the world.[5] Only a separate earthquake insurance policy can cover you from earthquake damage. Standard home insurance policies exclude earthquake damage.Earthquakes also cause tsunamis, which are a concern for coastal Alaskan communities.[6] To have protection from tsunami damage, you’ll need a separate flood insurance policy.
Wildfires
Wildfires are on the rise in Alaska and are set to worsen over the next several decades.[7] Fire risk is one of the main reasons to have homeowners insurance. Your policy will cover your home and personal property, along with loss of use coverage if you need to live elsewhere during repairs. Just make sure your dwelling coverage limits are sufficient.
Blizzards and winter storms
Snowstorms are common in Alaska, and periods of heavy snowfall are increasingly frequent. For example, Juneau accumulated more snow in December 2025 than it expects in a typical winter.
Home insurance will cover damage from these storms, but you should ask your agent or check the fine print to make sure. You might not have cover for water damage, in particular.
How much homeowners insurance do you need in Alaska?
Alaska law doesn’t require you to have home insurance. But if you have a mortgage, your lender will require you to maintain a homeowners insurance policy.
When you buy home insurance coverage, it’s important to understand what it covers and what it doesn’t. For example, home insurance policies almost never cover damage from sewer backups, flooding, and earthquakes.
Protection against wind damage from hurricanes and snowstorms, damage from wildfires, vandalism and theft, and liability coverage and medical payments coverage are all standard in a typical home insurance policy. The policy covers your personal property in addition to your home.
While you’re shopping, make a list of the hazards that you want protection against. Then you can ask your insurance agent about these scenarios before you sign your policy.
Your policy’s coverage limits and deductibles are an important part of your policy. Be aware of the 80/20 rule: If you under-insure your house, you may not receive an adequate payout when you make a claim.
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How to contact the Alaska Division of Insurance
The Alaska Division of Insurance is a state office that issues licenses to insurance companies, provides consumer resources, and enforces regulations for all types of insurance bought and sold in the state.
You can contact the Alaska Division of Insurance with questions and complaints related to your insurance experience in Alaska. Here’s how:
Email: [email protected]
Phone: 1 (907) 269-7900
The Division of Insurance also has physical offices in Anchorage and Juneau.
Alaska homeowners insurance FAQs
If you’re shopping for home insurance in Alaska, the additional information below can help as you research your coverage options.
How much is home insurance in Alaska?
The average cost of homeowners insurance in Alaska is $113 per month for $300,000 in dwelling coverage — about half the national average, according to Insurify data.
Which company has the cheapest homeowners insurance in Alaska?
State Farm offers the most affordable homeowners insurance in Alaska, at $1,021 per year for a policy with $300,000 in dwelling coverage. Always compare quotes to find the cheapest company for you.
Does Alaska require homeowners insurance?
Alaska law doesn’t require homeowners insurance, but your mortgage lender will. And with snowstorms and wildfires on the rise, it’s a good idea to have this coverage to protect your finances.
How can you lower your home insurance premiums in Alaska?
You have a number of ways to lower your home insurance premiums, such as improving your credit, raising your deductible, bundling with auto insurance and other policies, and taking advantage of all available insurance discounts.
How much is home insurance for a $400,000 house in Alaska?
A policy with $400,000 in dwelling coverage costs an average of $1,692 per year in Alaska, according to Insurify data.
Sources
- Alaska Department of Labor and Workforce Development. "1 in 10 Alaskans is a Veteran."
- Alaska Division of Insurance. "What Affects Your Home Premium."
- Insurance Information Institute. "Homeowners Insurance Basics."
- The Alaska State Legislature. "Alaska Seismic Hazards Safety Commission."
- Alaska Seismic Hazards Safety Commission. "Earthquake Risk in Alaska."
- Alaska Earthquake Center. "Tsunamis in Alaska."
- U.S. Department of Agriculture. "Alaska and a Changing Climate."
Methodology
Insurify data scientists analyzed rates from more than 180 home insurance companies sourced directly from Insurify’s partner companies and Quadrant Information Services. Rates span all 50 states and Washington, D.C., and quote averages represent the mean price for a given coverage level and geographic area. To ensure data reliability, only insurers meeting minimum quote thresholds were included in the analysis.
Unless otherwise specified, quoted rates reflect the average cost for homeowners with no prior claims and good credit with a home construction year of 1980. The default coverage assumptions include:
Default Coverage Assumptions
- Dwelling coverage: $300,000
- Deductible: $1,000
- Personal property limit: $25,000
- Liability limit: $300,000
Additional data points beyond these default values are sourced from Insurify’s proprietary database. Rates are updated monthly.
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Charlie Hope D'AnieriInsurance and Personal Finance Writer
7+ years in personal finance writing
Small business blogger
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
Chase GardnerData Insights Manager
Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree
Featured in