#homeowner-insurance

#homeowner-insurance

According to newly released American Community Survey (ACS) data from the U.S. Census Bureau, Alaska homeowners with a mortgage typically pay $1,000-$1,499 a year for homeowner's insurance, while those without a mortgage pay $800-$999; overall costs fall in the $1,000-$1,499 range. At the extremes, Alaska has 182,292 insured homeowner households in total-110,175 with a mortgage and 72,117 without. Among mortgaged owners, 10,862 pay less than $100 annually and 6,473 pay $4,000 or more.

Homeowner loss ratios have increased from 75% in 2021 to 85% in 2023, with forecasted elevated ratios due to anticipated hurricane activity in 2024.

The average homeowner insurance premium in Florida saw a slight increase of 0.3% in early 2025, resuming a trend of rising costs after a brief decline.