After researching various Alaska homeowner insurance policies, we've made our pick for the top providers in the state. We have collected hundreds of listings from across Alaska to find the best home insurance options for you and your family, as well as some of the most affordable options in Alaska. The top three providers of Alaska homeowner insurance in Fairbanks are listed below.
We solicited bids for every Alaska zip code, using a profile for properties insured at $273,100 and built before 1985, or properties built after 1985 (the year homes were built across Alaska). We averaged the offers and information we collected from the survey based on the average price of a home insurance policy in Fairbanks, Alaska, for each zip code.
We adjusted the replacement costs and valuations accordingly for each geographic area and purchased the average home insurance price in Fairbanks, Alaska for each ZIP code. Tenant insurance is a great idea, even if it is not mandatory by landlord management companies.
Anyone running a small business, such as a restaurant, retail store or office building, should also take out business insurance. General Liability Shop.com has already helped hundreds of Alaska business owners find the best insurance options for their business. If you are looking for AK insurance and wish to have the opportunity to be quoted online for your company's insurance immediately, we can help you.
Effective Coverage is proud to offer you all the discounts available on Alaska renter's insurance. We have worked with insurance experts for tenants and assure you that the discounts we offer are worthwhile and not unnecessary. If the monthly savings do not justify the additional risk with a higher deductible, our experts recommend keeping the deductible as low as possible.
Then there is the deductible, which varies but can be about 20 percent of the value of the home. We can also make you an offer for Effective Coverage's car insurance, or just call 800 - 892 - 4308. Click here for more information about the renter's Alaska insurance and the policies we can offer if you need to refer it. If you forget to insure yourself, we will not incur any additional costs such as deductibles, co-payments and premiums.
If you are interested in buying a home in Alaska or refinancing, please read our Alaska Mortgage Guide. To get coverage, click here for more information about the renter's Alaska insurance or call 800-892-4308 if you need to offer insurance online for Alaska renters.
For more information on all types of homeowners insurance, see our Complete Guide to Home Insurance, where you can learn how to buy a policy, when to make changes and save money by insuring your home. A package policy is an insurance policy from an Alaska-based company that includes all the benefits of a single policy in one package, such as insurance coverage, property insurance and property tax coverage. It may be a one-off policy or part of a package policy or both.
This program is available from the federal government and can often be purchased through a home insurance provider. Alaska renters insurance also offer medical payments to others for medical expenses, such as medical bills, rent, utilities and other expenses. The homeowner's insurance, the "home contents insurance," means that your property is covered and compensates you for the loss of the house or property. You have homeowner and / or homeowner insurance through the Alaska Department of Insurance, the state insurance agency, and your local insurance company.
The average cost of homeowner insurance through the USAA is $29, which is up to $39,000 for a family of four with a total liability coverage of $1,500. You can purchase coverage through the Alaska Department of Insurance, the state insurance agency, or your local insurance company.
The amount of money you need to live in Alaska depends in large part on the type of lifestyle you choose in Alaska. The average insurance policy for a tenant in Sitka runs just $103 a year, or $109 less than the average price in Alaska. Considering that in Anchorage, the average annual income is $35,000 for a family of four, it is not far to earn a decent salary and afford a basic lifestyle. In fact, the median monthly income in the state of Alaska in 2010 was $3,000 to $4,000 per month, which means an average of more than $1,500 per month for an individual and $2,400 per year for families.
You can purchase an additional policy from State Farm to increase your protection after a loss. While you currently have a standard business insurance policy that is expected of all businesses in Alaska, it does not cover all basic liabilities.
Alaska homeowners can use Fairbanks Alaska Home Insurance, the state's largest home insurance company, which provides a comprehensive range of home damage, property damage and reported damage coverage.