Fairbanks Insurance Rates:

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.

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Latest Home Insurance Reviews

Geico
I also like that they have a good reputation as a company. they have lots of advertisements and everyone knows the company by name and they are known for having good service and good value.
Usaa
I do not like that my insurance company is only online. so far all issues have been resolved over the phone but i worry that something may come up and i need to talk to someone and could not.
Cigna
Cigna has a large network, when i am searching for a provider, there are usually many options for me to choose from, so i can be selective in location and qualifications.

Fairbanks, AK Homeowners Insurance By Home Value

Fairbanks, AK Home Value Total Homes % of Total Average Fairbanks, AK Homeowners Insurance
Less than $50,000 186 4.0% $106
$60,000 to $69,999 59 1.0% $292
$80,000 to $89,999 157 3.0% $381
$90,000 to $99,999 51 1.0% $425
$100,000 to $124,999 335 7.0% $496
$125,000 to $149,999 462 10.0% $620
$150,000 to $174,999 436 9.0% $736
$175,000 to $199,999 753 16.0% $851
$200,000 to $249,999 926 20.0% $1020
$250,000 to $299,999 654 14.0% $1250
$300,000 to $399,999 492 10.0% $1587

Top Home Insurance Agents Near Fairbanks, AK

Home Insurance Company Near Fairbanks, AK Homeowners Insurance Agency Near Fairbanks, AK Address
NA Dunlap Agency 1305 21St Ave., Ste 203 Fairbanks, Fort Wainright, AK, 99701
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

Cost Of Homeowners Insurance By Street Near Fairbanks, AK

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

Fairbanks, AK Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Fairbanks$132 to $135
South Van Horn$123
College$134
Farmers Loop$136

Fairbanks, AK Auto & Homeowners Insurance Bundling Discounts

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

Fairbanks, AK Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Fairbanks, AK4.0%10.7%
College3.73%11.39%
Farmers Loop3.63%10.49%
Badger3.9%13.77%

Fairbanks Renters Insurance as a Percentage of Rent

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

Fairbanks, AK Home Insurance Costs With Deductible Scenario

Low DeductibleHigh 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

Fairbanks, AK Home Insurance Costs With Home Replacement Value Scenarios

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

Example Fairbanks Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateState FarmLiberty Mutual
Monthly Premium 1307848
Year Built 201419631975
Home Details 5 Beds, 4 Baths4 Beds, 2 Baths2 Beds, 1 Baths
Coverage Amount $400000-$500000$250000-$300000$100000-$125000
Deductible > $10,000 Deductible$1000-$2500 Deductible$500- $1000 Deductible

Sample Home Insurance Rates for Fairbanks, AK from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1991 110,000 Membrane Roof 940 2 $500- $1000 Deductible 260 7 Brick siding No
1981 145,000 Slate Shingles Roof 1,300 2 $2500-$5000 Deductible 250 7 Vinyl siding yes
2014 260,000 Slate Shingles Roof 2,440 5 $500- $1000 Deductible 110 1 Brick siding No
1986 290,000 Asphalt Shingles Roof 2,700 4 $1000-$2500 Deductible 690 8 Vinyl siding yes
1976 220,000 Slate Shingles Roof 2,080 5 $500 Deductible 840 9 Stucco siding yes
2014 250,000 Shingles Roof 1,920 5 $500- $1000 Deductible 450 5 Stucco siding yes
1990 305,000 Slate Shingles Roof 3,450 5 $500 Deductible 1210 8 Fiber-Cement Siding No
1962 495,000 Metal Roof 3,730 5 > $10,000 Deductible 690 6 Stone Siding No
1997 340,000 Composition Roof 2,920 4 $5000 to $10,000 Deductible 260 4 Wood siding yes
1986 145,000 Tile Roof 1,260 2 $2500-$5000 Deductible 260 6 Brick siding yes
1961 130,000 Slate Shingles Roof 1,330 2 $500- $1000 Deductible 510 10 Wood siding No
1962 95,000 Wood Shake Roof 940 2 $2500-$5000 Deductible 120 4 Wood siding yes