Alaska homeowners insurance

When snow on the roof melts and forms ice barriers at the edges, preventing proper drainage, Alaskan homeowners may need protection. According to the Cold Climate Housing Research Center, ice damming can result from air leaks, insufficient insulation, or improper ventilation. If an ice dam forms, it can cause a variety of ice damage, including roof damage and structural problems. An affordable home insurance policy with Progressive can help cover damage to your home from weather related issues and more.

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How you're covered

A typical policy in Alaska may include the following homeowners insurance coverages:

Dwelling coverage (Coverage A) protects your home's structure (roof, walls, etc.) as well as attached structures, like a porch.
Other structures coverage (Coverage B) protects detached structures, such as a fence, shed, or detached garage.
Personal property coverage (Coverage C) protects your personal belongings, including furniture, clothing, and electronics. Certain items, like jewelry, art, and collectibles, are often only covered up to a specific limit so you may want to purchase an endorsement to schedule these items on your policy at the coverage amount needed, also known as "adding a rider."
Loss of use coverage (Coverage D) may help cover costs associated with an increase in living expenses, up to your policy's limit, if you're unable to stay in your home while it's being repaired or rebuilt due to a covered loss.
Personal liability coverage (Coverage E) protects you financially if you're legally responsible for another person's injuries or damage to their property.
Medical payments to others (Coverage F) may pay for medical expenses due to a covered occurrence.

Keep in mind, coverage under your policy is subject to exclusions and conditions within your policy. It is important to read your policy to understand the coverage provided.

Did you know?

According to Brittanica, temperatures in parts of Alaska can vary from the 90s during the summer and -60s in the winter. All that fluctuation can cause severe weather, and with it, the potential for storm damage to your home's structure. Learn how storm damage may be covered by homeowners insurance in Alaska. works when your home is damaged by severe weather

More ways to stay covered in Alaska

In some cases, you can buy extra protection by adding coverage to your homeowners policy or purchasing a separate policy. If available, Alaska residents may want to consider:

Flood Flooding is not typically covered under a homeowners policy. If you're concerned about flooding in your area, a private flood insurance policy or NFIP, where available, may help protect your property and belongings against flood damage.
Umbrella An umbrella policy may help protect your assets if you exceed the personal liability coverage on your homeowners policy.
Sump pump Sewage back-up or sump pump overflows aren't typically one of the standard coverages automatically included with homeowners insurance. Adding water back-up coverage as on optional coverage, if available, may help in the event of sewage back-up or sump pump overflow due to heavy storms.

How much is homeowners insurance in Alaska?

The average cost of homeowners insurance in Alaska varies based on many factors, including your location, type of home, roof construction, and prior claims.

Learn what other factors can affect your homeowners insurance cost.

Helping you save on homeowners insurance in Alaska

Progressive offers several discounts to help you save on Alaska homeowners insurance. Some common discounts include bundling homeowners and auto insurance, installing a home security system, quoting in advance, and paying in full. See more about homeowners insurance discounts.

There may also be discounts that are only available in your state or county. You can call 1-866-749-7436 or speak to a local agent to help ensure you're getting all applicable discounts.

Compare homeowners insurance rates in Alaska

Compare rates and coverages with Progressive's Home Quote Explorer^® tool for homeowners insurance in Anchorage or any other city in Alaska.

Is homeowners insurance required by law in Alaska?

Homeowners insurance in Alaska isn't required by law, but if you finance your home, your lender may require you to have a homeowners insurance policy in place. Even if you've paid off your home, a homeowners policy can offer crucial protection for what's likely your most valuable asset.