Fairbanks, AK homeowners insurance is roughly $752 to $1,021, about $62-$85/month. Our thorough analysis shows customers can save upto $354 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
| Home Insurance Company Near Fairbanks, AK | Homeowners Insurance Agency Near Fairbanks, AK | Address |
|---|---|---|
| Allstate | Dave Mongold | 230 Old Steese Hwy, Fairbanks, AK, 99701 |
| State Farm | Dick Randolph | 610 12th Avenue, Fairbanks, AK, 99701-4643 |
| Allstate | Loa Carroll-Hubbard | 617 Gaffney Rd, Fairbanks, AK, 99701 |
| State Farm | Shannon Fortune | 324 Old Steese Hwy, Fairbanks, AK, 99701-3126 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| South Van Horn CDP, Alaska | $123 | $164 | $246 |
| College CDP, Alaska | $134 | $179 | $269 |
| Farmers Loop CDP, Alaska | $136 | $181 | $272 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Fairbanks, AK | 4.0% | 10.7% |
| College | 3.73% | 11.39% |
| Farmers Loop | 3.63% | 10.49% |
| Badger | 3.9% | 13.77% |
| Fairbanks Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $300 to $499 | 367 | 5.0% | $1248 |
| $500 to $749 | 767 | 11.0% | $1923 |
| $750 to $999 | 1,345 | 19.0% | $2673 |
| $1,000 to $1,499 | 2,344 | 33.0% | $3798 |
| $1,500 or more | 2,080 | 29.0% | $5448 |
| Streets in Fairbanks Area | Homeowners Insurance Cost |
|---|---|
| Betty St, Trianon Dr, Dalton Trl, Dale Rd, Bridget Ave, 24th Ave, Fideler Rd, Jeanne Dr, Carol Ln, View Ave | $906 |
| Spring Glade Rd, Blair Rd, Gregory St, Raymond Ave, 23rd Ave, Kutter Rd, Madcap Ln, Mary Ann St, Sportsman Way, Line Dr | $916 |
| Hanson Rd, Pasque St, Melba St, Erceg St, Eastview Dr, Royal Rd, Valley Hi Dr, Kantishna Way, Orca Ct, Alaska Way | $891 |
| Trainor Gate Rd, Snowy Owl Ln, W Trainor Gate Rd, Graham Ln, Cabruan Hills Loop, 8th Ave, College Rd, Manchester Loop, Dennis Rd, Dunbar Ave | $888 |
| Deborah Ave, Yokum St, Pine St, Chief Evan Dr, Cabruan Hills, Senate Dr, Herreid Rd, Haven Ln, Bouton Ct, Shile Dr | $904 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Fairbanks | $132 to $135 |
| South Van Horn | $123 |
| College | $134 |
| Farmers Loop | $136 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,600 | $2,600 |
| Yearly Fairbanks Homeowner Insurance Premium Example | $700 | $500 |
| Out of Pocket Expense During Claim | $1,600 | $2,600 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $7,200 | $6,600 |
| Net Savings to Fairbanks Home Owner from High Deductible Plan | $600 | |
| Scenario | Fairbanks, AK Home Replacement Value MORE than Home Value | Fairbanks, AK Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $235,000 | $165,000 |
| Insurance Premium based on Replacement Value | $1,250 | $875 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $41,000 | Risk Exposure from Under Insuring Coverage is $29,000 |
| Premium Impact | Insurance cheaper by $150/year | Insurance costlier by $225/year |
| Insurance Company | Allstate | State Farm | Liberty Mutual |
| Monthly Premium | 130 | 78 | 48 |
| Year Built | 2014 | 1963 | 1975 |
| Home Details | 5 Beds, 4 Baths | 4 Beds, 2 Baths | 2 Beds, 1 Baths |
| Coverage Amount | $400000-$500000 | $250000-$300000 | $100000-$125000 |
| Deductible | > $10,000 Deductible | $1000-$2500 Deductible | $500- $1000 Deductible |