Best Alaska Homeowners Insurance for 2026
Umialik has the lowest average rates and specializes in Alaska policies, making it the best home insurance company in the state.
Advertising Disclosures
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- Thanks to low rates, no NAIC complaints and regional expertise, Umialik has the best homeowners insurance in Alaska.
- Homeowners insurance costs an average of $1,519 a year in Alaska.
- Earthquakes and wildfires are generally the biggest risks in Alaska. Standard homeowners insurance does not pay for earthquake damage, but wildfire damage is usually covered.
Best homeowners insurance in Alaska
Umialik offers the best homeowners insurance in Alaska. Umialik has low rates and zero complaints registered with the National Association of Insurance Commissioners (NAIC)
If coverage options are your priority, check out Country Financial. Along with more common add-ons, you can find guaranteed replacement cost coverage. This helps protect against rising material and labor costs by removing the cap on your dwelling coverage.
Military families should consider USAA. With the largest percentage of veterans in the U.S., Alaska homeowners should consider USAA, which has exclusively served the military for more than 100 years and offers unique perks, such as waived deductibles on military uniforms.
Best overall: Umialik
Average annual rate: $1,075
Star rating: N/A
Why we chose it: Umialik only operates in Alaska; it has a strong understanding of the state’s homeowners insurance market and the risks Alaska homeowners face. It also offers the cheapest average homeowners insurance in the state while maintaining great customer service. The NAIC reports zero complaints.
Who it’s best for: Umialik is best for most homeowners in Alaska, especially those who prefer doing business with a local agent.
PROS
- Specializes in Alaska insurance
- Has lowest average premiums in the state
- Provides earthquake coverage
- Offers claims forgiveness with some plans
CONS
- No online quotes
- No mobile app
- Fewer discounts than some
Best for coverage options: Country Financial
Average annual rate: $1,333
Why we chose it: Parts of Alaska are very remote, and a lack of materials and labor can quickly drive up claim costs. Country Financial offers add-ons that help policyholders avoid gaps, including guaranteed replacement cost coverage. This removes the cap on your dwelling limit, so you won’t need to worry about rebuilding costs exceeding your amount of coverage.
Who it’s best for: Country Financial is best for homeowners who value protection over price (although premiums are still very competitive).
PROS
- Unique coverage options
- Earthquake endorsement available
- Plenty of discount opportunities
CONS
- Lackluster mobile app reviews
- Can start a quote online, but need an agent to buy
Best for military families: USAA
Average annual rate: $1,367
Why we chose it: Alaska has a large military presence, and USAA specializes in assisting military personnel and their families. As such, it offers military-centric benefits you probably won’t find elsewhere, like deductible-free
Who it’s best for: USAA is best for homeowners who are eligible, which includes current and former members of the military and their families. Certain federal employees may also join.
PROS
- Has a long history of serving the military
- Offers earthquake coverage
- Provides a highly rated mobile app
CONS
- Strict membership eligibility requirements
- No options to work with a local agent
Compare home insurance rates and ratings in Alaska
Price is important when comparing home insurance quotes, but so is the quality of coverage and customer service. After all, what good is saving money if the company isn’t there when you need them?
| Company | Annual rate* | LendingTree rating | Complaint rating* | |
|---|---|---|---|---|
| Umialik | $1,075 | NA | 0 |
| Country Financial | $1,333 | 4/5 | 0.1 |
 | State Farm | $1,553 | 4/5 | 1.4 |
 | Allstate | $2,265 | 4/5 | 1.2 |
| USAA** | $1,367 | 4/5 | 0.5 |
LendingTree analyzed thousands of quotes from top insurers across Alaska to identify the best options for homeowners.
Our team evaluated pricing, customer experience, financial reliability and coverage features to determine the top home insurance companies in the state.
See full methodology.
How much is homeowners insurance in Alaska?
The average cost of home insurance in Alaska is $1,519, or $127 a month.
Despite its harsh climate, Alaska’s home insurance premiums are 42% lower than the national average. The state avoids many of the more expensive disasters that drive rates up, including hurricanes and hailstorms.
Alaska’s biggest risks are typically wildfires and earthquakes. Earthquake coverage is usually excluded from standard homeowners insurance policies and often requires separate coverage, which helps keep average premiums lower.
Average home insurance rates by dwelling coverage amount
Your premium depends partly on the amount and type of coverage you have. Dwelling coverage, or Coverage A, pays to repair or rebuild your home and its attached structures if they are damaged in a covered claim.
Companies will help you determine how much dwelling coverage makes sense when you request a quote. This amount is not based on how much you paid for the house or what it’s worth. Instead, you should carry enough to rebuild or repair in today’s market.
Home insurance rates by dwelling coverage
| Company | $300,000 | $400,000 | $550,000 | $750,000 |
|---|---|---|---|---|
| Umialik | $848 | $1,075 | $1,399 | $1,871 |
| Country Financial | $1,019 | $1,333 | $1,804 | $2,495 |
| USAA | $1,160 | $1,367 | $1,646 | $1,987 |
| State average | $1,224 | $1,519 | $1,940 | $2,489 |
Alaska home insurance rates by city
Where you live in Alaska affects your home insurance premium, too. Labor costs, the state’s microclimate and its overall claim risk can vary wildly from ZIP code to ZIP code.
Alaskans generally find home insurance the cheapest in Skagway and Sitka. There, homeowners pay an average of $1,253 and $1,254, respectively. These larger coastal cities have a much lower wildfire risk than many parts of Alaska, helping to keep rates down.
The most expensive average homeowners insurance in Alaska is in Eagle, where coverage costs $2,070 a year. Circle is the second-most expensive, at $2,031. Wildfire risk is much higher in these places, and both are extremely remote. Remote locations tend to have higher labor and materials costs.
| City | Annual rate |
|---|---|
| Adak | $1,605 |
| Akiachak | $1,785 |
| Akiak | $1,785 |
| Akutan | $1,590 |
| Alakanuk | $1,547 |
| Aleknagik | $1,893 |
| Allakaket | $1,728 |
| Ambler | $1,885 |
| Anaktuvuk Pass | $1,852 |
| Anchor Point | $1,521 |
| Anchorage | $1,381 |
| Anderson | $1,936 |
| Angoon | $1,345 |
| Aniak | $1,879 |
| Anvik | $1,651 |
| Arctic Village | $1,686 |
| Atka | $1,605 |
| Atqasuk | $1,853 |
| Auke Bay | $1,283 |
| Badger | $1,631 |
| Barrow | $1,902 |
| Bear Creek | $1,499 |
| Beaver | $1,686 |
| Bethel | $1,547 |
| Bettles Field | $1,686 |
| Big Lake | $1,846 |
| Brevig Mission | $1,598 |
| Buckland | $1,804 |
| Butte | $1,415 |
| Cantwell | $1,914 |
| Central | $2,031 |
| Chalkyitsik | $1,646 |
| Chefornak | $1,547 |
| Chena Ridge | $1,592 |
| Chevak | $1,524 |
| Chickaloon | $1,695 |
| Chicken | $1,937 |
| Chignik | $1,882 |
| Chignik Lagoon | $1,803 |
| Chignik Lake | $1,755 |
| Chistochina | $1,901 |
| Chitina | $1,790 |
| Chugiak | $1,389 |
| Circle | $2,031 |
| Clam Gulch | $1,649 |
| Clarks Point | $1,866 |
| Clear | $1,912 |
| Coffman Cove | $1,405 |
| Cohoe | $1,645 |
| Cold Bay | $1,573 |
| College | $1,595 |
| Cooper Landing | $1,565 |
| Copper Center | $1,816 |
| Cordova | $1,570 |
| Craig | $1,401 |
| Crooked Creek | $1,904 |
| Deering | $1,607 |
| Delta Junction | $1,937 |
| Deltana | $1,938 |
| Denali National Park | $1,900 |
| Diamond Ridge | $1,373 |
| Dillingham | $1,705 |
| Douglas | $1,263 |
| Dutch Harbor | $1,567 |
| Eagle | $2,070 |
| Eagle River | $1,344 |
| Eek | $1,565 |
| Egegik | $1,778 |
| Eielson AFB | $1,610 |
| Ekwok | $1,866 |
| Elfin Cove | $1,505 |
| Elim | $1,609 |
| Emmonak | $1,541 |
| Ester | $1,592 |
| Fairbanks | $1,600 |
| False Pass | $1,573 |
| Farm Loop | $1,417 |
| Farmers Loop | $1,641 |
| Fishhook | $1,362 |
| Fort Greely | $1,938 |
| Fort Wainwright | $1,656 |
| Fort Yukon | $1,777 |
| Fox River | $1,341 |
| Fritz Creek | $1,341 |
| Funny River | $1,459 |
| Gakona | $1,901 |
| Galena | $1,826 |
| Gambell | $1,649 |
| Gateway | $1,418 |
| Girdwood | $1,392 |
| Glennallen | $1,723 |
| Goodnews Bay | $1,717 |
| Grayling | $1,651 |
| Gustavus | $1,388 |
| Haines | $1,287 |
| Harding-Birch Lakes | $1,713 |
| Healy | $1,848 |
| Holy Cross | $1,535 |
| Homer | $1,367 |
| Hoonah | $1,304 |
| Hooper Bay | $1,502 |
| Hope | $1,713 |
| Houston | $1,847 |
| Hughes | $1,609 |
| Huslia | $1,609 |
| Hydaburg | $1,390 |
| Hyder | $1,604 |
| Iliamna | $1,803 |
| Indian | $1,498 |
| Jber | $1,487 |
| Juneau | $1,305 |
| Kachemak | $1,357 |
| Kake | $1,638 |
| Kaktovik | $1,853 |
| Kalifornsky | $1,472 |
| Kalskag | $1,547 |
| Kaltag | $1,730 |
| Karluk | $1,503 |
| Kasigluk | $1,547 |
| Kasilof | $1,645 |
| Kenai | $1,496 |
| Kenny Lake | $1,816 |
| Ketchikan | $1,405 |
| Kiana | $1,587 |
| King Cove | $1,573 |
| King Salmon | $1,692 |
| Kipnuk | $1,547 |
| Kivalina | $1,607 |
| Klawock | $1,592 |
| Klukwan | $1,287 |
| Knik River | $1,414 |
| Knik-Fairview | $1,367 |
| Kobuk | $1,850 |
| Kodiak | $1,508 |
| Kodiak Station | $1,508 |
| Kongiganak | $1,792 |
| Kotlik | $1,544 |
| Kotzebue | $1,607 |
| Koyuk | $1,841 |
| Koyukuk | $1,775 |
| Kwethluk | $1,565 |
| Kwigillingok | $1,547 |
| Lake Minchumina | $1,594 |
| Lakes | $1,362 |
| Larsen Bay | $1,503 |
| Lazy Mountain | $1,420 |
| Levelock | $1,658 |
| Lower Kalskag | $1,663 |
| Manley Hot Springs | $1,687 |
| Manokotak | $1,575 |
| Marshall | $1,536 |
| Mc Grath | $1,580 |
| Meadow Lakes | $1,360 |
| Mekoryuk | $1,859 |
| Metlakatla | $1,453 |
| Meyers Chuck | $1,647 |
| Minto | $1,782 |
| Moose Creek | $1,613 |
| Moose Pass | $1,628 |
| Mountain Village | $1,503 |
| Naknek | $1,692 |
| Napakiak | $1,547 |
| Nenana | $1,838 |
| New Stuyahok | $1,907 |
| Newhalen | $1,803 |
| Nightmute | $1,798 |
| Nikiski | $1,500 |
| Nikolai | $1,573 |
| Nikolski | $1,567 |
| Ninilchik | $1,583 |
| Noatak | $1,607 |
| Nome | $1,598 |
| Nondalton | $1,803 |
| Noorvik | $1,607 |
| North Pole | $1,631 |
| Northway | $1,837 |
| Nuiqsut | $1,853 |
| Nulato | $1,551 |
| Nunam Iqua | $1,772 |
| Nunapitchuk | $1,547 |
| Old Harbor | $1,750 |
| Ouzinkie | $1,750 |
| Palmer | $1,416 |
| Pedro Bay | $1,778 |
| Pelican | $1,304 |
| Perryville | $1,755 |
| Petersburg | $1,359 |
| Pilot Point | $1,755 |
| Pilot Station | $1,524 |
| Platinum | $1,716 |
| Pleasant Valley | $1,650 |
| Point Baker | $1,348 |
| Point Hope | $1,851 |
| Point Lay | $1,853 |
| Point MacKenzie | $1,362 |
| Port Alexander | $1,544 |
| Port Alsworth | $1,755 |
| Port Heiden | $1,778 |
| Port Lions | $1,613 |
| Prudhoe Bay | $1,597 |
| Quinhagak | $1,717 |
| Rampart | $1,719 |
| Red Devil | $1,904 |
| Ridgeway | $1,461 |
| Ruby | $1,593 |
| Russian Mission | $1,553 |
| Saint Marys | $1,822 |
| Salamatof | $1,509 |
| Salcha | $1,713 |
| Sand Point | $1,599 |
| Savoonga | $1,637 |
| Saxman | $1,405 |
| Scammon Bay | $1,547 |
| Selawik | $1,607 |
| Seldovia | $1,401 |
| Seward | $1,500 |
| Shageluk | $1,771 |
| Shaktoolik | $1,598 |
| Shishmaref | $1,598 |
| Shungnak | $1,850 |
| Sitka | $1,254 |
| Skagway | $1,253 |
| Skwentna | $1,660 |
| Sleetmute | $1,778 |
| Soldotna | $1,456 |
| South Naknek | $1,664 |
| South Van Horn | $1,581 |
| St. George Island | $1,568 |
| St. Michael | $1,697 |
| St. Paul Island | $1,568 |
| Stebbins | $1,697 |
| Steele Creek | $1,650 |
| Sterling | $1,505 |
| Stevens Village | $1,602 |
| Susitna North | $1,830 |
| Sutton | $1,695 |
| Sutton-Alpine | $1,696 |
| Takotna | $1,625 |
| Talkeetna | $1,830 |
| Tanacross | $1,681 |
| Tanaina | $1,358 |
| Tanana | $1,593 |
| Tatitlek | $1,737 |
| Teller | $1,628 |
| Tenakee Springs | $1,391 |
| Thorne Bay | $1,393 |
| Togiak | $1,748 |
| Tok | $1,765 |
| Toksook Bay | $1,859 |
| Trapper Creek | $1,557 |
| Tuluksak | $1,565 |
| Tuntutuliak | $1,547 |
| Tununak | $1,886 |
| Two Rivers | $1,760 |
| Tyonek | $1,730 |
| Unalakleet | $1,697 |
| Unalaska | $1,567 |
| Valdez | $1,549 |
| Venetie | $1,718 |
| Wainwright | $1,853 |
| Wales | $1,598 |
| Ward Cove | $1,405 |
| Wasilla | $1,395 |
| White Mountain | $1,598 |
| Whittier | $1,788 |
| Willow | $1,846 |
| Womens Bay | $1,507 |
| Wrangell | $1,380 |
| Yakutat | $1,411 |
LendingTree analyzed thousands of quotes from top insurers across California to identify the best options for homeowners.
Our team evaluated pricing, customer experience, financial reliability and coverage features to determine the top home insurance companies in the state.
See full methodology.
Current state of homeowners insurance in Alaska
Despite low average premiums, many Alaskan homeowners don’t have coverage. LendingTree conducted a study to identify the states with the highest rates of uninsured homes, and Alaska ranked fourth.
Although homeowners insurance isn’t legally required in Alaska, homeowners should consider coverage anyway. Alaskans specifically should consider earthquake insurance. All of the carriers on this best list offer it as an endorsement. Most of the time, this coverage is only available if you buy a separate policy.
Also, note that some carriers exclude wildfire coverage in high-risk areas. Read the fine print in your quotes and, if needed, buy a separate wildfire policy or, if possible, include it as an add-on.
How to compare homeowners insurance in Alaska
When looking for the best homeowners insurance, don’t just look at rates. Also consider:
- Coverage limits: Always compare apples to apples by ensuring all your quotes have the same coverage and limits.
- Deductibles: You can lower your premiums by raising your deductibles, but don’t make them so high that they will cause financial hardship if you need to file a claim.
- Add-ons:If you have a specific add-on (or endorsement) in mind, check that your quotes include it. Not all carriers offer every coverage option.
And if you own one or more vehicles, consider bundling your home and auto insurance. Many insurance companies offer big discounts for this.
How LendingTree helps you find the right policy
Shopping for home insurance isn’t always straightforward, especially when availability and pricing can vary widely. LendingTree makes it easier by helping you explore options from multiple insurers, so you can find coverage that fits your home, location and budget.
How it works
Tell us about your home
Answer a few quick questions about your home, location and coverage needs.
Compare options from insurers
See quotes and typical rates from insurers that offer coverage in your area.
Choose the right policy
Review your options and pick the coverage that fits your needs and budget.
Frequently asked questions
The cheapest average homeowners insurance rates in Alaska are offered by Umialik, according to our research. For $400,000 in dwelling coverage, Umiliak policies cost $1,075 a year. However, your premium will vary based on personal factors like your home’s features, ZIP code and claims history.
No, standard homeowners insurance will not pay for earthquake damage, but some carriers offer earthquake coverage as an add-on. If the company doesn’t have earthquake coverage, you must buy a separate earthquake policy.
As long as you take reasonable steps to protect your pipes from freezing, then yes, homeowners insurance usually covers damage caused by burst pipes. General maintenance, updating insulation if needed and keeping your home heated at all times can help prevent claims denials.
Methodology
How we chose the best homeowners insurance in Alaska
The rates shown in this article are based on an analysis of nonbinding quotes obtained in February 2026 from Quadrant Information Services for sample homes in every Alaska ZIP code. Unless otherwise noted, policies include:
- Dwelling coverage: $400,000
- Other structures: $40,000
- Personal property: $200,000
- Loss of use: $80,000
- Personal liability: $100,000
- Guest medical payments: $5,000
- Deductible: $1,000
For third-party customer service ratings, we included NAIC’s complaint index scores and financial strength ratings from A.M. Best. NAIC complaint index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims.
How we create LendingTree ratings
Our team of insurance experts evaluates insurance companies across several categories, including average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We use this information to create LendingTree ratings, which help us identify and recommend the best insurance companies for consumers.
See our home insurance ratings methodology and full editorial guidelines for further details.
**USAA is only available to current and former members of the military and their families.