Yes, it is highly recommended to have homeowner insurance in Alaska. While it is not legally required by the state, having homeowner insurance can provide important financial protection in the event of damage to your property or belongings.
Homeowner insurance can help cover the cost of repairs or rebuilding your home if it is damaged by fire, severe weather, or other covered perils. It can also provide coverage for your personal belongings, liability protection if someone is injured on your property, and additional living expenses if you are temporarily displaced from your home due to a covered loss.
It's important to note that homeowner insurance policies can vary in coverage and cost, so it's a good idea to shop around and compare different options to find the policy that best meets your needs and budget. Additionally, if you have a mortgage on your home, your lender may require you to have homeowner insurance as a condition of the loan.
Sources: Alaska Division of Insurance - Homeowner Insurance:
https://www.commerce.alaska.gov/web/ins/Consumers/HomeownerInsurance.aspx Alaska Department of Commerce, Community, and Economic Development - Homeowner's Insurance:
https://www.commerce.alaska.gov/web/ins/Consumers/HomeownerInsurance.aspx