Anchorage, AK Homeowners Insurance
The average monthly cost of homeowners insurance in Anchorage is $83.
Your price for homeowners insurance is likely to be different from your neighbor’s because rates are based on several factors such as the size and value of your house, the age of your roof, your claims history, and the amount of your deductible. Your quoted rate for home insurance may therefore be higher or lower than the city’s average.
One of the most devastating events a homeowner can deal with is a residential fire. In addition to damaging the structure of your house, a fire can lead to the total loss of your personal belongings, including furniture, clothing, electronics, and precious family heirlooms. While homeowners insurance cannot bring back your irreplaceable keepsakes, it can give you peace of mind from knowing that the disaster will not cause you a large financial loss.
Because fire is so destructive, it is important that you ensure that your dwelling coverage is sufficient to enable you to rebuild your home and that your contents coverage is high enough to cover the cost of replacing all of your lost or damaged property.
Juneau, AK Homeowners Insurance
The average monthly cost of home insurance in Juneau is $85.
Of course, the price you may be quoted for coverage may differ from this amount depending on a number of factors. Your actual rate will be calculated according to considerations like the age, size and value of your house, the crime rate and weather risks in your ZIP code, your claims history, and sometimes even your credit score.
One of the most common hazards faced by homeowners in Juneau is property crime. This small city, in which residents report more than 300 burglaries in a typical year, has a burglary rate that is nearly double the state average. Fortunately, your home insurance covers against property loss and damage to your house if you are the victim of a property crime like burglary or vandalism.
If your house is broken into, first make sure you and your family are safe and then call the authorities. You will need a copy of the police report when you file a claim. If you need assistance, your local independent agent can provide you with guidance throughout the entire claims process.
Fairbanks, AK Homeowners Insurance
The average monthly cost of home insurance in Fairbanks is $74.
Keep in mind, however, that homeowners insurance rates in can vary from one property owner to the next. Your actual rate will be based on factors like the size, value, and location of your home; the materials used in your house’s construction; the crime rate in your ZIP code; the size of your deductible; and, in some cases, even your credit score.
Residents in the Fairbanks area are familiar with the devastating effects a flood can have on property. While nothing has compared to the Great Flood of 1967 in recent years, property owners near the Tanana and Chena rivers are a risk when water levels rise. According to FEMA, as little as one inch of rainwater in your home can lead to $25,000 in property damage, but homeowners insurance specifically excludes flood damage from its coverage.
Because flooding is a concern for many residents of this city, it is a good idea to supplement your home insurance with an affordable flood insurance policy through the National Flood Insurance Program (NFIP). An independent insurance agent can show you how.
Badger, AK Homeowners Insurance
The average monthly cost of home insurance in Badger is $70.
Because your homeowners insurance is completely customized to specific details about you and your home, your monthly premium may be higher or lower than this city’s average. Insurance companies consider your home’s size, value, location, and other factors when they calculate your monthly rate.
Residents of Badger are most at risk for damage caused by winter storms, floods, and wildfires. In 2013, the Stuart Creek Fire burned more than 87,000 acres and caused more than $21 million in damage. This put residents of Badger at risk of losing their homes to the out-of-control blaze. While wildfires can be particularly destructive, it may bring you some comfort to know that your homeowners insurance can cover your losses if a fire tears through your neighborhood.
Talk to a local independent agent to learn more about what your policy will and will not cover and for help making sure that your dwelling and contents insurance coverage levels are high enough to enable you to completely rebuild and start over if necessary.
Knik-Fairview, AK Homeowners Insurance
The average monthly cost of homeowners insurance in Knik-Fairview is $78.
Of course, some homes cost more to insure than others so rates are determined on a case-by-case basis. This average rate, therefore, can only give you a general idea of what you might be expected to pay. Your costs will be influenced by the size and value of your house, your claims history, your deductible amount, and other factors.
The risk of an earthquake in Knik-Fairview is 829% greater than the national average. While quakes do not happen frequently, when they do, they have the potential to damage the structure of your home as well as your personal property. One of the worst was a 9.2 magnitude quake that occurred just 74 miles from Knik-Fairview in 1964. This quake caused more than $1 billion in damage. However, earthquakes are not covered by home insurance. For that, you will need an earthquake insurance policy. A local independent insurance agent can help.
Local independent insurance agents are well aware of the earthquake risk in this area and can help you find an affordable earthquake insurance policy to supplement your homeowners insurance coverage.