Home Insurance Alaska

Protect Your Life and Home With Homeowners Insurance in Alaska

Alaska homeowners insuranceHomeowners in Alaska can face many risks throughout the year, like extreme temperatures, blizzards and wildfires. That’s why residents of the Last Frontier need the right seguro de viviendas to stay protected. Since 1984, the AARP® Homeowners Insurance Program from The Hartford1 has made it easy for homeowners to get the coverage they need to protect their properties. So, if you’re looking for great home insurance in Alaska, you’ve come to the right place.
 

Alaska Homeowners Insurance Coverages

With The Hartford, you can customize your homeowners insurance policy to help make sure you’re protected with the things that matter most to you. However, policies from The Hartford come standard with the following homeowners insurance coverages:

Dwelling Insurance Coverage

Dwelling insurance coverage helps pay to repair or rebuild the structure of your home and the structures attached to it, such as roofs. It also includes internal systems like wiring and plumbing, plus heating and air conditioning. Most home insurance policies don’t cover damage from or earthquakes, but there are additional coverage options to help if these situations occur.

Other Structures Insurance Coverage

This helps cover structures on your property that aren’t attached to your house. For example, if your shed collapses from heavy snow, la cobertura para otras estructuras can help cover the cost of damages.

Personal Property Insurance Coverage

La cobertura de propiedad personal helps protect your personal belongings such as furniture, clothing and appliances. When you insure your personal property with replacement cost coverage, covered property that is stolen or damaged will be replaced with a comparable item at today’s value, not depreciated actual cash value.

Cobertura de pérdida de uso

This coverage helps pay your living expenses, up to policy limits, if you cannot live in your home due to a covered loss or after suffering a loss. So, if your house is damaged from a fire and needs repairs, this coverage helps to cover the costs to stay in a hotel or rental.

Cobertura por responsabilidad civil

En caso de que alguien externo a su vivienda sufra lesiones o daños a la propiedad de los que usted es legalmente responsable, personal liability puede ayudarle a cubrir sus gastos de defensa legal y la sentencia en su contra, hasta los límites establecidos en su póliza.

Cobertura de gastos médicos

La cobertura de gastos médicos ayuda a pagar facturas de servicios médicos de emergencia si una persona que no es residente de su hogar sufre alguna lesión en su propiedad.  Asimismo, ofrece cobertura por lesiones ocasionadas por un integrante de su familia o mascota, sin importar dónde sucedan. Las facturas se pagan hasta el límite de su póliza aunque usted sea responsable legalmente o no.2

Hazard Insurance Coverage

Hazard insurance coverage is a term used by mortgage lenders. It refers to coverage that helps protect your home from various hazards such as wind, fire, hail and theft. It is not different than dwelling coverage. Your mortgage lender may require certain coverage limits to protect their investment in your property.

Recommended Coverages

Depending on your needs, you can also add additional coverages to your policy for extra protection, such as:
 
  • Equipment breakdown coverage to help cover your repair or replacement costs if your appliances or electronics break down. It also provides coverage if you want to make “green” upgrades. It pays up to 125% of your cost to replace any covered equipment with items that are similar, but more energy efficient or environmentally friendly.  Keep in mind that this does not include normal wear and tear.
  • Valuable items blanket for extra protection for your valuable items, like jewelry, china or silverware.
  • Additional Limits coverage, which helps cover your costs to rebuild your home at an amount up to 125% of your policy limits if it’s a total loss. Depending on where you live, your policy can cover your costs up to 150% of your coverage limits.
Standard homeowners insurance policies don’t typically cover flood damage. However, you can purchase  seguro contra inundaciones as a separate policy if your community is part of the National Flood Insurance Program (NFIP).***
 

Is Homeowners Insurance Required in Alaska?

Homeowners insurance is not legally required in Alaska. However, if you have a mortgage on your home, your lender may require you to get coverage.
 

What Is the Average Cost of Homeowners Insurance in Alaska?

Wondering how much homeowners insurance rates are in Alaska? The average annual cost of homeowners insurance in Alaska is $1,019, which is $85 per month.3 This is lower than the national average cost of $1,759.4 However, insurance companies in Alaska take several factors into account when determining rates, so you may pay more or less than the average. Some factors that may affect how much you pay for home insurance include your:
 
  • Geographic location
  • Home’s age
  • Límites de la cobertura
  • Claims history

Ways To Save on Home Insurance in Alaska

The Hartford offers many descuentos para seguro de viviendas to help customers save money on insurance. For example, you can be eligible for discounts when you:
 
  • Bundle home and auto insurance: You could get up to 12% off your car insurance and up to 20% off your homeowners, renters or condo insurance just by bundling**
  • Add home security systems or burglar alarms
  • Install fire protection devices, like sprinkler systems

Get a Quote for Alaska Homeowners Insurance

The Hartford is an auto and home insurance company backed with over 200 years of experience. With our high ratings for claims and customer service, you can count on The Hartford to be there when you need us most. Get your fast and free cotización de seguro de viviendas online or call 877-422-2345 today to start protecting your home through the AARP Homeowners Insurance Program from The Hartford.
 
 
Última actualización: 7 de agosto de 2024
 
2 Medical payments are calculated on the basis of usual, customary and reasonable charges.
 
3,4 Bankrate, “Average homeowners insurance cost in August 2024.”
 
*** This is an optional coverage and may not be available in all states.
** Los montos de ahorro promedio se basan en información comunicada por los clientes que se cambiaron a The Hartford desde otras compañías entre 9/1/22 y 8/31/23. Su ahorro puede variar. El ahorro promedio en el seguro para automóviles es de $577 y el ahorro promedio en el seguro de viviendas es de $236. Las diferencias de tarifas entre los afiliados y los no afiliados de AARP varían según el estado y la antigüedad de los afiliados de AARP. El descuento para auto y vivienda está disponible solo para asegurados que tengan tanto su seguro para auto y vivienda (o condominios y arrendatarios) por medio de los programas de seguros para autos y de viviendas AARP de The Hartford. .The Hartford no suscribe nuevos negocios en todas las áreas, incluidos los estados de CA y FL.
 
§ La disponibilidad del beneficio RecoverCare y los niveles del beneficio varían según el estado. The Hartford RecoverCare Advantage® es una marca registrada de The Hartford.
 
§§ Se aplican términos y condiciones.
 
‡ Se aplican términos y condiciones. La exención por accidente y la desaparición progresiva del deducible no están disponibles para asegurados de California.
 
‡‡ Se aplican términos y condiciones. La disponibilidad varía según el estado.
 
‡‡‡ Con base a un auto y conductor; la tarifa/prima/ahorros individuales variarán según las selecciones de cobertura reales y las características de los vehículos/conductores.
 
Divulgaciones adicionales a continuación.
Seguro de viviendas de AARP®
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Preg. Frecuentes
Coberturas
Recursos adicionales
Los resúmenes de las coberturas y las características de las pólizas son únicamente para fines informativos. En caso de que se produzca una pérdida, los términos y condiciones reales establecidos en su póliza determinarán su cobertura.
 
AARP y sus afiliadas no son aseguradoras. Endoso pagado. The Hartford paga regalías a AARP por el uso de su propiedad intelectual. Estos cargos se utilizan para los fines generales de AARP. En la mayoría de los estados, es necesario ser miembro de AARP para ser elegible para participar en el Programa.
 
El programa de seguros para automóviles de AARP de The Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está avalado en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Hartford Underwriters Insurance Company; en WA por Hartford Casualty Insurance Company; en MA por Trumbull Insurance Company; y en PA por Nutmeg Insurance Company y Twin City Fire Insurance Company. El programa de seguros para viviendas de AARP de he Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está subscrito en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Property and Casualty Insurance Company of Hartford; en WA por Trumbull Insurance Company; en MA por Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, y Hartford Accident and Indemnity Company; y en PA por Nutmeg Insurance Company. El producto para viviendas no está disponible en todas las áreas, entre las que se incluye el estado de Florida. Los ahorros, los beneficios y las coberturas disponibles pueden variar y es posible que algunos solicitantes no sean elegibles. El programa no está actualmente disponible en Canadá, ni en los territorios o posesiones de Estados Unidos.
 
1 En Texas, el programa para automóviles está respaldado por Redpoint County Mutual Insurance Company a través de Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company y sus afiliados no son responsables financieramente por los productos de seguros suscritos y emitidos por Redpoint County Mutual Insurance Company. El programa para viviendas está respaldado por Hartford Insurance Company of the Southeast.
 
* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.
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