You probably own a home, a car, a snowmobile and maybe an ATV as an Alaska resident. You might also be a business owner. Whatever you own and whatever you do, you will need the right Alaska insurance program to protect yourself, your family and your assets.
A member of the Trusted Choice® network can work with you to address all your insurance needs, whether business or professional. Contact an independent agent to obtain the Alaska insurance quotes that meet your coverage needs.
There are tons of options when it comes to insurance providers. Big-name brands have lots of airspace on TV and radio, but also have a lot of ads in media that you've probably seen before. You might assume that because these companies have big budgets to advertise, their insurance products are the best.
There are actually two kinds of insurance agents:
The independent channel is an ideal place to buy insurance. Independent agents are knowledgeable, unbiased, and looking out for their customers. They also live right in your neighborhood and understand the risks you face. Alaska insurance is easy to find when you know where to look.
The State of Alaska requires that all registered cars carry liability limits of $50,000 per person; $100,000 per accident for bodily injury; and $25,000 for property damage. In some areas of Alaska, registration is not required so neither is insurance. The one exception is that if a driver has received 6 points or more within the last five years. Then the driver must carry insurance. In any case, you will want to carry considerably higher liability limits to adequately protect yourself. In addition to liability insurance, a complete automobile insurance policy will provide this protection:
All people insure their homes, but many do not carry enough coverage. A standard homeowners policy will pay for the full replacement cost of your home if an incident results in its destruction. However, you may not have enough coverage to take advantage of this feature. Here are the coverages you can expect with your homeowners policy:
All policies have conditions and exclusions. You should read your policy to be sure you do not have an uncovered exposure. Some of the exclusions of which most policyholders are not aware include the following:
Designing a business insurance program requires you to consider many alternatives. The basic coverages that you should consider for your business are the following:
These are just the basic coverages every business should consider. You would have to handle other exposures separately.
If you are seeking a life insurance quote, you probably have one of three reasons:
Life insurance is complex. You might need term insurance, whole life insurance, universal life insurance, individual coverage or group coverage.
With the forthcoming Affordable Care Act (ACA), many things are changing in the health insurance marketplace. You are probably in one of the following situations:
Just remember, if you have no coverage as of January 1, 2014, or if your coverage does not meet the minimum requirements of the ACA, you will be subject to a fine.
In Alaska, you must register your snowmobiles, but you are not required to insure them. There are times and places in Alaska when a snowmobile is the only means of transportation. In the far north, it is not just a toy, but also a necessity. Even though insurance is not required, you would be foolish to use your snowmobile without having adequate insurance protection. A typical snowmobile insurance policy will cover the following:
There are some things you can do to lower your risk of loss or injury:
Everyone buys insurance, but not everyone buys the same coverage. To have the coverage and protection you need and peace of mind, work with professional agents who understand the market and your requirements.
If you deal with a member of the Trusted Choice network, you will have a partner who will work on your behalf to obtain the right Alaska insurance at the lowest possible cost. Contact an agent today for a sensible plan that meets your needs and budget.