Kenai Insurance Rates:

Kenai, AK homeowners insurance is about $754 to $1,025, about $62-$85/month. Our thorough analysis indicates shoppers can save as much as $355 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Three Ways to Reduce Home Insurance Costs in Kenai, AK

In Kenai, Alaska, homeowners insurance typically costs $887. Home insurance will cover the necessary repairs and replacement costs if a fire, earthquake, or flood damages anything in the house or other disaster. Comparing quotes from many insurance companies is the simplest way to discover homeowners insurance in Kenai, AK. Several companies offer home insurance.

The cost of home insurance may vary between companies. The worth of your possessions, the age and condition of your property, and the level of liability insurance you require can significantly impact your cost. Before buying a policy, shopping around and comparing prices is crucial because factors like these can all impact your premium. To get the best coverage for your needs, compare prices offered by leading insurers in your area using our quote tool. This article will examine three strategies for lowering Kenai, Alaska, homeowners insurance rates.

1. By Choosing a Higher Deductible

As all Kenai homeowners know, the insurance cost can be quite high. But there are ways to reduce those costs, one of which is to choose a higher deductible. By doing so, you can lower your premium significantly. A higher deductible means you will have to pay more out-of-pocket if you have a claim. But if you feel confident that you can cover a higher deductible, it can be a great way to save on your insurance costs. Talk to your insurance agent to see if a higher deductible is right for you. For example, in Kenai, Alaska, homeowners pay $$876.36 and $$746.32 in premiums for deductibles of 500 and 1500, respectively. With deductibles of 2000 and 2500, homeowners pay $677.49 and $636.87, respectively. Therefore, the higher the deductible, the lower the home insurance rates in Kenai, AK.

2. By Installing Security Features

While the cost of homeowners insurance in Kenai, AK, can be high, there are ways to reduce your costs. One way is to install security features in your home. These features include a security system, deadbolt locks, and motion sensor lights. By installing these features, you can show your insurance company that you are taking steps to protect your home and its contents. This can lead to a reduction in your premium. For example, homes with deadbolts in Kenai, AK, pay $780.56 on home insurance.

3. By Maintaining a Zero Claims History

One of the best ways to reduce the cost of your homeowners insurance in Kenai, Alaska, is to maintain a zero claims history. This means that you have not filed any insurance claims in the past and that your home has not been the subject of any insurance claims. Insurance companies view this as a sign that you are a responsible homeowner who takes good care of their property, and as a result, they are more likely to offer you lower rates. For example, in Kenai, Alaska, homeowners who have never filed a claim must pay a premium of $762.82. But in Kenai, Alaska, homeowner's insurance prices are $957.96 and $993.44 for individuals with one or two claims.

Kenai, AK Homeowners Insurance By Home Value

Kenai, AK Home Value Total Homes % of Total Average Kenai, AK Homeowners Insurance
Less than $50,000 994 6.0% $106
$50,000 to $59,999 192 1.0% $222
$60,000 to $69,999 302 2.0% $284
$70,000 to $79,999 376 2.0% $328
$80,000 to $89,999 254 1.0% $373
$90,000 to $99,999 258 1.0% $408
$100,000 to $124,999 1,035 7.0% $480
$125,000 to $149,999 1,227 8.0% $595
$150,000 to $174,999 1,962 13.0% $711
$175,000 to $199,999 1,421 9.0% $817
$200,000 to $249,999 2,740 18.0% $986
$250,000 to $299,999 1,903 12.0% $1209
$300,000 to $399,999 1,984 13.0% $1537

Top Home Insurance Agents Near Kenai, AK

Home Insurance Company Near Kenai, AK Homeowners Insurance Agency Near Kenai, AK Address
NA Johnson Insurance Group 34851 Kenai Spur Hwy 34851 Kenai Spur Hwy, Soldotna, AK, 99669
NA Brown Agency 110 S Willow St Ste 106, Kenai, AK, 99611
Allstate 1st Alaska Insurance 35681 Spur Highway Soldotna, Kenai, AK, 99669
State Farm Nancy Field 35202 Spur Hwy Ste 1, Soldotna, AK, 99669-7645
Allstate Waterbury Agency Llc 44539 Sterling Hwy Ste 207, Soldotna, AK, 99669

Cost Of Homeowners Insurance By Street Near Kenai, AK

Streets in Kenai Area Homeowners Insurance Cost
S Kobuk St, Sand Dollar Dr, Price St, Scenic Vw Lp, Riverview Ave, Sydney Ann Ave, Mistral, Martin Rd, Hannisford Dr, Pau Hana Ln$889
Forest Wood Ave, Wellness Ave, Myhill Rd, Frostland St, Matthews Ct, Twin Peaks Loop, West Ave, Cranberry Pl, Lake St, Forest Ln$881
Myra St, Ramona Dr, Twilight Way, Carol Ln, Sean Ct, Bennett Ct, Lee Ln, Frontier Cr, Arctic Poppy Pl, Teddy Lee Pl$874
Caines St, Fairview St, Pine St, S Parkwood St, Myra Ave, Jacque Cir, W Corral St, Swift Ave, de Graffenried Ct, Turnbuckle Ter$894
Thompson Dr, Washington Ave, Igloo Ave, Stream Ave, Woodside Ln, Airport Heights St, Raven St, Sarah St, Bloch St, Don's Dr$890
Authentic Rd, Crested Crane St, Runners Ave, Eider Ct, Anetta St, Diamond Blvd, Virgo Ct, Northern Pike Blvd, Newberry Ave, Nancy Ave$881
Stol Rd, Brandon Ave, Efflers Ln, Damar Loop, W Bayview Ave, Circle Ave, Saint Elias Ave, Mariah Ct, Junction Ave, Kristen Ln$891
Railway Ave, Shawna Ln, 1st Ave, Boondocker St, Lifeboat Loop, Pinnacle View Rd, Cabin Lake Dr, X-Float Rd, Williams Way, Parson Dr$874
Jahwa Ln, Sunrise St, Cetacea Ln, Belaire Dr, Elm Ave, Lechors Mill Rd, Hooligan Cir, Iliamna Loop, Masters Ct, Bean Creek Rd$889
Quinalt Ave, Childs St, Royal St, Brickford Cir, Larry Ln, Kayeway Rd, Benedict Ave, Homestead Rd, Muskrat Way, Willow St$877

Kenai, AK Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Kenai$133 to $135
Kenai-Cook Inlet census$133

Kenai, 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
Kenai-Cook Inlet census subarea, Kenai Peninsula Borough, Alaska $134 $178 $267
Clam Gulch CDP, Alaska $134 $178 $267
Cohoe CDP, Alaska $133 $177 $266

Kenai, 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
Kenai, AK5.1%18.1%
Kenai Peninsula5.05%18.07%
Clam Gulch6.03%20.95%

Kenai Renters Insurance as a Percentage of Rent

Kenai Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 87 1.0% $347
$300 to $499 488 9.0% $1247
$500 to $749 1,170 23.0% $1922
$750 to $999 1,606 31.0% $2672
$1,000 to $1,499 1,288 25.0% $3797
$1,500 or more 369 7.0% $5447

Latest Home Insurance Reviews

State Farm
The service is timely and the inspectors are well trained to handle a claim with ease.
State Farm
Great customer service and well liked in our family as well as trusted
State Farm
I like that I can review and manage any claims I have made. I also like that I am able to contact the 1-800 number at any time, even when I am unable to reach my local agent.
State Farm
Nothing. I cannot say anything bad about them as our experience has always been pleasant. People do go with other companies due to the higher premiums, but they always complain about the lack of payment for repairs. In this type of insurance market, you get what you pay for.
State Farm
AAA is a company that has been around forever and offers lots of discounts on other things. When combining those discounts with the reduced cost of insurance that I am paying and the customer service that I get, I can't say enough good things about my insurance company!

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