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Homeowners
Homeowners’ Insurance Serving All Of Alaska
For most Americans, a house is the biggest investment they will make in their entire life. If you are spending so much money on a home, why not protect it from all the problems that could arise? That’s where homeowners’ insurance comes in. With the right plan in place, you’ll be protected against some of the most common issues that exist, from natural weather dangers to the loss of personal belongings. Learn more about the homeowners’ policies that exist below.
Homeowners’ Policies We Offer
Basic protection that you need for:
- Your home
- Other buildings or structures on your property
- Your personal belongings such as furniture, clothing, appliances, and more
- Additional living expenses
- Your personal legal liability
Special features you can add for additional security:
- Home Replacement Guarantee
- Replacement Cost on Contents
- Additional Coverage Form
Homeowners’ insurance FAQ
What is homeowners’ insurance?
Homeowners’ insurance is a form of personal lines insurance. The typical homeowners’ policy has two main sections:
- Covers the property of the insured
- Provides personal liability coverage to the insured.
What do I need to know when purchasing homeowners’ insurance?
Get the amount and type of insurance that you need, determine the amount of personal property and personal liability coverage that you need, and select any additional endorsements you want to add, like the personal policy replacement cost endorsement, for example.
What is "actual cash value"?
When "actual cash value" is used in a policy, a policy owner is entitled to the depreciated value of the damaged property.
What is “replacement cost"?
When "replacement cost" coverage is used in a policy, a policy owner is reimbursed an amount necessary to replace the article with one of similar type and quality at current prices.
Where and when is my personal property covered?
Coverage C of a homeowners’ policy provides named perils coverage. This applies to all your personal property (except property that is specifically excluded).
Should I purchase earthquake coverage?
Direct damages due to earthquakes are not covered under the standard homeowners’ insurance policy. If you live in an area that is prone to earthquakes, you may want to consider adding an earthquake endorsement to your homeowners’ insurance policy. This endorsement will cover damages due to earthquakes, landslides, volcanic eruptions, and other earth movements.
Should I purchase flood coverage?
If your property lies in a flood plain as determined by US Government Flood Maps, then yes. Ask your independent agent about a flood quote, as it is not included in most plans.
Fill out our online quote form today for your free homeowners’ insurance quote.
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