The best home insurance companies in Alaska are State Farm, Umialik, COUNTRY Financial and Allstate. State Farm offers extensive coverage and excellent customer service, while Umialik is the most affordable provider. Compare all our top picks below.
Best Homeowners Insurance in Alaska
Updated: June 23, 2025
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Key Takeaways
According to our 2025 research, the top three home insurance providers in Alaska are State Farm, Umialik and COUNTRY Financial.
State Farm offers the best overall home insurance for most Alaskans. For those with older homes, State Farm is also the best option.
To choose the best option, determine your coverage needs, research costs and company details, and compare multiple quotes.
Who Are the Best Home Insurance Companies in Alaska?
| State Farm | 88 | 3 | 1 | 1 |
| Umialik Insurance | 77 | 1 | 4 | 1 |
| COUNTRY Financial | 75 | 2 | 2 | 1 |
| Allstate | 40 | 4 | 3 | 1 |
*Our ratings consider various combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your specific profile. The tables below use the same methodology.
Best Homeowners Insurance Companies by Category
Though our rankings reflect the best overall providers, the best option for you may differ based on your home type or personal needs. Below, we highlight the top insurers across major categories.
| State Farm | 88 | Overall |
| State Farm | 91 | Older Homes |
| Umialik Insurance | 77 | Newer Homes |
| State Farm | 90 | High-Fire-Risk Areas |
| State Farm | 78 | Bad Credit |
| State Farm | 92 | With Claims History |
Best Alaska Home Insurance Reviews
Explore our top home insurance picks for Alaska, showcasing leaders in affordability, customer service and coverage options.
Umialik: Best for Affordability
Umialik is the most affordable home insurance provider for most Alaska homeowners, offering rates as low as $27 a month. As a regional provider, Umialik understands Alaska's unique needs and offers appropriate coverages, including equipment breakdown coverage, service line coverage and water backup coverage.
Data filtered by:Results filtered by:
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Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
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Deductible:1000
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Credit Tier:Below Fair
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Claims History:1 claim in past 5 years
| Newer Homes | $27 | $326 |
| Newer Homes in High-Fire-Risk Areas | $27 | $326 |
| Older Homes in High-Fire-Risk Areas | $45 | $542 |
| Older Homes | $45 | $542 |
State Farm: Best for Customer Service
While State Farm costs more than other providers on our list, it leads in customer service among Alaska home insurance companies. According to J.D. Power, it ranked seventh in customer service and eighth in claims satisfaction. State Farm also offers optional coverages like increased dwelling protection, identity theft restoration and coverage for valuable personal property.
Data filtered by:Results filtered by:
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Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
Select
Deductible:1000
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Credit Tier:Below Fair
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Claims History:1 claim in past 5 years
| Newer Homes | $81 | $977 |
| Newer Homes in High-Fire-Risk Areas | $81 | $977 |
| Older Homes in High-Fire-Risk Areas | $134 | $1,606 |
| Older Homes | $134 | $1,606 |
Allstate: Best for Coverage
Allstate is the most expensive provider in our study but offers the best coverage options in Alaska. It has unique offerings like HostAdvantage coverage, which covers theft for homeowners who rent out their homes through sites like Airbnb or VRBO. Customers can also access Allstate's green improvement reimbursement, yard and garden coverage, and water backup coverage.
Data filtered by:Results filtered by:
Select
Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
Select
Deductible:1000
Select
Credit Tier:Below Fair
Select
Claims History:1 claim in past 5 years
| Newer Homes | $76 | $914 |
| Newer Homes in High-Fire-Risk Areas | $113 | $1,360 |
| Older Homes | $206 | $2,473 |
| Older Homes in High-Fire-Risk Areas | $307 | $3,681 |
How to Find the Best Home Insurance in Alaska
Finding the best insurance option can be challenging. We've created a simple guide to help you find the coverage that best fits your needs.
- 1
Determine Your Coverage Needs
Before choosing a home insurance policy, decide on the coverage level you need. Assess your home's value, your personal belongings and local risk factors that might affect your coverage.
- 2
Research Costs and Discounts
Learn how much home insurance costs in Alaska to determine potential savings. Check for discounts you qualify for to maximize savings.
- 3
Find the Best Providers for You
After researching coverage and costs, narrow your search for the best and cheapest home insurance in Alaska. Use guides and personal research to evaluate customer service ratings, pricing specific to your needs, and suitable coverage add-ons.
- 4
Compare Multiple Providers Through All Means
Compare providers to find the best option. Ensure you weigh quotes on an apples-to-apples basis for accuracy. Get quotes through various methods, as online estimates may differ from those given by brokers or agents over the phone.
Best Homeowners Insurance in Alaska: Bottom Line
State Farm, Umialik and COUNTRY Financial are the best homeowners insurance companies in Alaska. While these are strong recommendations, comparing providers yourself helps ensure you find the best fit for your specific needs.
Best Home Insurance in Alaska: FAQ
To simplify your search, we’ve answered key questions about choosing a home insurance provider in Alaska.
Which company is best for home insurance in Alaska?
State Farm is the best homeowners insurance provider in Alaska for its excellent customer service and diverse coverage options. Umialik, COUNTRY Financial and Allstate are also highly recommended Alaska home insurance providers.
Who has the most affordable homeowners insurance in Alaska?
The most affordable homeowners insurance in Alaska varies based on individual circumstances and property details. However, the average cost in Alaska is $1,171 annually.
How do you get the best homeowners insurance in Alaska?
To find the best home insurance in Alaska, determine your coverage needs first, research costs and providers, and compare multiple options.
How We Decided the Best Home Insurance in Alaska: Our Methodology
We rated the best homeowners insurance providers in Alaska using this methodology:
- Affordability (55%): Providers scored higher if they were more affordable across various factors. We also evaluated the range of discounts offered.
- Customer satisfaction (30%): Scores were based on ratings from sites like Trustpilot, app reviews and industry sources like J.D. Power. This included the buying process, policy management and claims handling.
- Coverage (15%): We assessed the number of add-on options, unique features and availability by state.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.