Juneau Homeowners Insurance

Your Complete Guide to Juneau, AK Homeowners Insurance

When you're trying to find a local expert

Juneau Alaska Homeowners Insurance

Homeowners insurance is necessary when you want to protect your assets. Juneau, AK has 32,094 residents and is growing. If you own a home in this smaller town, proper coverage is needed.

When you use an independent insurance agent, they can find a policy for an affordable premium. Since they work on your behalf, you'll get the best rates in town. Connect with a local expert in minutes. 

Juneau, AK Rental Homeowners Insurance 

Whether you own a short-term or long-term rental, you'll need adequate protection for your investment. Since you'll have third parties involved, there are added exposures to account for when selecting coverages. Regular home insurance won't have the right coverage for a loss.

Instead, consider landlord insurance. This policy will protect your interests as the owner and help pay for a variety of claims. Items like dwelling and liability limits for revolving tenants will be covered.

Disasters and Your Juneau, AK Home

When you're a victim of a natural disaster, your homeowners insurance should be top-notch. To prevent financial ruin or the risk of a claim not being paid, you'll need to have the right coverages in place. Take a peek at the top exposures in Juneau, AK:

  1. Severe storms and lightning damage
  2. Wildfires and residential fires
  3. Flooding and water damage
  4. Burglary and other property crimes
  5. Ice storms and freezing

Here's why you need flood insurance:

Flood damage is not included in your primary homeowners policy. You'll need separate flood insurance to have coverage for a loss. Get FEMA-approved quotes through a local professional. 

Juneau, AK, Home Insurance and Burglaries

When you have a burglary, your home insurance policy should provide coverage. The amount of insurance you'll have depends on which limits you selected ahead of time. Take a look at the burglaries per 100,000 households below:

  • National average: 376.00
  • Alaska average: 539.60
  • Juneau average: 921.0

Juneau, AK, is more than double the national average when it comes to burglaries. To keep your home safe before and after a claim, review your limits of insurance. Your dwelling amount, personal property, liability, and loss of use coverages should be paid special attention to when considering a loss. 

The Cost of Home Insurance in Juneau, AK

Every homeowners insurance premium will be different. It depends on a variety of risk factors. Carriers look at personal data, weather, and local crime to set rates. Take a peek at the average homeowner's premium:

  • National average: $1,211
  • Alaska average: $959

Risk factors the carriers use:

  • Where you live
  • How many claims you've filed
  • How new your house is
  • How close you are to a fire department
  • How close you are to a fire hydrant
  • The materials of your home
  • Your credit score
  • If you have a pool, trampoline, or pet
  • The square footage of your home
  • How much it would cost to replace your home

Risk factors you can improve:

  • Improving your credit score
  • Filing fewer insurance claims
  • Updating your roof, electrical, plumbing, or heating

In addition to the above things that improve your premiums, bundling offers instant savings. When you bundle your home and auto insurance with the same carrier, you'll be rewarded. Typically, a discount of 30% or more is given across your policies. 

Different Types of Liability Protection in Juneau, AK

Liability insurance is one of the most used coverages on your policies. It will apply when there is a claim for bodily injury or property damage. In Juneau, two kinds of policies will have liability coverage for your home. 

In 2019, the US had 5,511,270,000 home insurance claims. When a loss gets out of hand, an umbrella policy can come to your rescue. It will apply when your underlying home policy limits have been exhausted. Coverage starts at $1,000,000 and goes up depending on your assets. 

Connect with an Independent Agent in Juneau, AK

When you're looking for the perfect home coverage, a professional can help. With access to several markets and someone to do all the shopping, you can relax. An independent insurance agent works on your behalf at zero cost to you.

They can compare coverage options with a variety of carriers, so you get the best policy. When you're tired of doing all the work, use an expert. Go to TrustedChoice to connect with a local adviser for quotes. 

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TrustedChoice.com Article | Reviewed by Jeffrey Green

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