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Homeowners in Anchorage, Alaska, pay an average home insurance rate of $1,003. This is significantly lower than the national average premium of $1,438. Anchorage homeowners can make use of discounts offered by home insurance companies to further reduce their home insurance rates. Below is the list of discounts offered to Anchorage homeowners.

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Home insurance companies provide discounts to Anchorage homeowners based on the construction materials used to build the house. Anchorage homes that are built using sturdy materials make them more resistant to damage, earning them considerable discounts from home insurance companies. For example, Anchorage homes constructed using fire-resistive materials and superior materials get discounts of $140 and $90, respectively, on their homeowners insurance. Homes built using masonry and brick earn a discount of $50, while homes that have a hail resistant roof get a $20 discount. Newly constructed Anchorage homes receive discounts of $221 on home insurance rates.

Home insurance companies provide special discounts to Anchorage homeowners based on their profession. Teachers, army personnel, and federal government employees can avail of special discounts on homeowners insurance. Also, senior homeowners in Anchorage can avail of discounts of up to $140 on homeowners insurance. Home insurance companies provide discounts to homeowners, depending on their claims history. Home insurance rates in Anchorage can increase by up to $130 based on the type and number of claims. Anchorage homeowners with a claims-free history can avail of discounts of up to $120 on home insurance.

The property crime rate in Anchorage is 50.31 per 1,000 residents. Specifically, the burglary rate in Anchorage is 7.12 per 1,000 residents. Homes equipped with safety devices are less prone to burglaries. Home insurance companies encourage Anchorage homeowners to enhance the safety features of their homes by offering attractive discounts as incentives. For instance, Anchorage homes with deadbolts and fire extinguishers can avail of discounts of $90 and $80, respectively, on homeowners insurance. Homes installed with burglar alarms and smoke detectors receive a discount of $90 and $40, respectively, on homeowners insurance.

Additionally, home insurance companies offer discounts to homeowners based on their lifestyle choices. Anchorage homeowners can earn considerable amounts of discounts if all the household members are non-smokers. Households without pets and swimming pools can also avail of discounts on home insurance.