Home insurance cost in Alaska
About $1,385 a year, or $115 a month, for $400,000 of dwelling coverage, per NerdWallet's 2026 rates. The U.S. average is $2,490.
Home insurance cost
$1,385
a year
A month
$115
Rank
4 of 51
1 = cheapest; −44% vs U.S.
| State | Home insurance cost | Rank |
|---|---|---|
| Vermont | $1,170 | 2 |
| Delaware | $1,365 | 3 |
| Alaska | $1,385 | 4 |
| New Jersey | $1,480 | 5 |
| New Hampshire | $1,500 | 6 |
| U.S. | $2,490 | - |
Common questions
How much is homeowners insurance in Alaska?
About $1,385 a year, or $115 a month, for $400,000 of dwelling coverage, per NerdWallet's 2026 rates. The U.S. average is $2,490.
Is home insurance in Alaska expensive?
Alaska ranks 4 of 51 (1 = cheapest). Your price depends on the home's rebuild cost, location, claims history, credit and deductible.
Add insurance and taxes to a full payment with the mortgage calculator.
More for Alaska: monthly budget · take-home pay · rent.