- 2 plans with optional add-ons
- Plans activate just 10 days after purchase
- Quick turnaround on claims
- Best customer reviews
The United States Department of Agriculture estimated that of the more than 300 communities in Alaska, approximately 40% are not connected to Alaska’s main road or ferry systems as of January 2017. However, even if you’re close to an Alaskan town or village, you face unique issues when it comes to the maintenance of your property.
Homes are subject to harsh winter conditions that can cost thousands of dollars in maintenance every year. Additionally, moisture build-up and poor indoor ventilation contributed to by the Alaskan climate can cause respiratory illnesses and other related health problems. As such, maintaining your home’s major appliances and systems is essential to your well-being and can help protect your investment.
One of the best ways to protect your home is to consider an Alaska home warranty, which provides year-round protection for your home’s most crucial appliances and systems. If you’re looking for a home warranty in Alaska, keep reading to learn about the best home warranty companies in the state, common home maintenance issues faced by Alaska homeowners, and important home warranty buying tips.
Alaska sits just northwest of the bordering Canadian province of British Columbia and territory of Yukon. To the north are the Chukchi and Beaufort seas, which are southern parts of the Arctic Ocean, and the Pacific Ocean lies southwest of the state.
While Alaska is the largest state in the United States by area, it’s the third least populous, with roughly 738,400 residents as of 2015. Half of Alaskan residents live in Anchorage. Regarding state-specific facts, the state bird is the willow ptarmigan and the state fish is the king salmon.The state flower is the wild forget-me-not, which is a perennial that’s found throughout Alaska.
Known as “The Last Frontier,” Alaska experiences an extreme climate, with long, cold winters and short, cool summers. In the northernmost part of the state, even in July, the average temperature can be as low as 34°F.
According to Zillow, the median home value in Alaska is roughly $318,000. In Anchorage, the median value is slightly higher at $339,000. Despite a negative migration rate in recent years, the residential home market in Alaska has not been affected. Such a large investment in an Alaskan property is worthy of protecting, considering the serious, year-round weather conditions that can damage various parts of your home and inflict costly repairs.
It’s important to understand the most common maintenance problems that arise for Alaskan homeowners and their associated costs to help you evaluate whether a home warranty is worthwhile for your property.
Most home warranty companies that offer plans for Alaskan homeowners have options for all types of homes, ranging from single-family homes to duplexes and mobile homes. The best Alaskan home warranty companies won’t limit your home warranty choices by your location, so even if you own a cabin in a rural Alaskan area, there’s likely a home protection plan for you. If you own an alternative style home in Alaska, reach out to the providers you’re considering to find out whether your home type is eligible for a home warranty.
Home warranties typically vary with regard to what they cover, and most companies offer their plans in multiple tiers. The best home warranty covers major systems and appliances in your home and additional items, such as your pool, spa, and well pump. Though the names of home warranty plans will vary by provider, the tiers usually fall into these general buckets:
Most Alaska home warranty companies offer two to four different plans. The Home Service Club, one of our recommended Alaska home warranty providers, offers two plans, starting at just $45.95 per month. The Standard Coverage plan protects common systems and appliances, and the Comprehensive Coverage plan covers everything that the standard plan does, plus 15 additional systems or appliances. Their plans also have optional add-ons, such as a well pump, sprinkler system, and second refrigerator.
The cost of an Alaska home warranty will vary based on your location, the size of your property, and the number of appliances and systems you want protected by your plan. The Home Service Club protection, for example, costs roughly $45.95 per month for Standard Coverage and $59.95 for Comprehensive Coverage.
Keep in mind that the monthly premium you pay for your home warranty plan isn’t the only cost you’re likely to incur as a result of the contract. Most home warranty companies charge a per-visit service fee, which ranges from $75–$125. Depending on the terms of your contract, you may be required to pay a deductible amount before the warranty company will provide coverage.
All home warranty companies have “caps” or limits on the cost they’re willing to pay out for every appliance or system that’s covered. For example, if you experience roofing issues as a result of heavy snowfall in Anchorage that will cost $2,000 in repairs, you’ll still be required to pay a service fee and a deductible, and, if your contract’s roofing repairs are capped at $1,000, you’ll also pay $1,000 to the repair company.
Most home warranties work the same way, but it can be helpful to see an example of how a home warranty would work for a common issue that homeowners in your location face. If your heat goes out on a cold night, and it’s protected under your home warranty contract, here’s a likely scenario of what would happen:
Each state has its own set of regulations with regard to how it oversees service contracts between homeowners and home warranty companies operating within its borders. While the below regulations and restrictions apply to Alaska-based home warranty companies, keep in mind that there are home warranty contracts from companies that don’t operate within Alaska’s borders and are thus subject to the rules and restrictions of another state.
In Alaska, the Alaska Department of Law Consumer Protection Unit has several resources through which homeowners can file claims and connect with regulating authorities. This is helpful in case you’re ever in the position where your home warranty provider is not covering a claim that you believe should be covered according to the contract. See the Alaska Consumer Protection Act for more details.
Purchasing a home warranty makes sense because the annual cost of a home warranty is reasonable compared to the cost of replacing an appliance or essential home system, which can range from several hundred to several thousand dollars.
The most common issues Alaskans face in their homes are also the most expensive to repair—these include problems with heating, plumbing, and electrical systems because they’re generally affected by severe cold weather. Since the whole state faces freezing temperatures at various points throughout the year, a home warranty is a valuable investment whether you live in Anchorage, Ketchikan, Fairbanks, or Fishhook.
The best home warranty protection plan will relieve you of the fear of confronting a serious issue in the dead of winter with no solution. Since the home warranty market is saturated with companies that sell plans full of jargon, limitations, and hidden costs, making it confusing for Alaska residents to find quality coverage from a home warranty company that will follow through on its promises, we’ve made the process simple.
Here’s what to consider when shopping for a plan:
Researching warranty companies’ reputations should be your first order of business when exploring your options. Look into Better Business Bureau (BBB) ratings, BBB accreditation status, and review websites like TrustPilot. If the company’s been in business for several decades, it’s usually a good sign. Endorsements and partnerships from trusted companies or organizations in the home warranty industry are also a positive indicator of reputation.
Be sure to explore the plans offered by the providers you’re considering. You’ll want to find a plan that nicely aligns with your expectations and preferences for home warranty coverage. The best home warranty companies in Alaska will have tiered plans and customizable term lengths and add-ons. Familiarize yourself with the coverage limits, deductibles, exclusions, and covered pre-existing conditions in each plan.
Additionally, determine which company allows you to pick coverage by the type of appliance you own. Plans with this customizable structure can make your coverage more personalized. This is a notable benefit for Alaskan homeowners seeking a warranty because the state’s climate presents such targeted issues to various parts of your home. The best warranties for Alaska homeowners will provide coverage for heating, cooling, water systems, electrical systems, and the option to select coverage for other appliances that you’ve experienced trouble with in your former or current home.
Don’t overlook any hidden costs in the warranty contracts. For example, some home warranty companies charge service fees per visit. Deductibles can range from $0 all the way up to $200. Take a look into whether the company requires customers to pay upfront and wait for reimbursement. Some companies will pay repair costs directly on your behalf.
Lastly, investigate the home warranty pricing. It’s usually easy to contact a home warranty company by phone or go through their website for a free quote. If quotes and sample contracts are hard to come by, it could be a red flag. You may need to provide some basic information such as your address, your home’s square footage, and the age of your home to secure an accurate quote.
We recommend reviewing state-specific customer reviews on websites like TrustPilow and the BBB. Searching for details about customers’ experiences with providers who’ve dealt with similar issues to those you may face in your home’s lifetime can provide insight into how well the provider will protect your investment.
The cold in Alaska contributes to the majority of home maintenance issues. It can affect everything from your plumbing to the electrical systems. Alaska homeowners can also experience exterior damage on their roof, garage, and gutters from heavy snowfall.
While it’s hard to put a finger on the top-rated home warranty company in Alaska overall, the home warranty companies that provide thorough coverage at an affordable cost with few exclusions, limitations, and hidden fees are worth looking into. We recommend The Home Service Club, America’s 1st Choice Home Club, and Choice Home Warranty. However, keep in mind that The Home Service Club offers limited plans in Alaska.
To purchase a home warranty in Alaska, simply contact one of our top home warranty companies listed above. Each company will provide you with a quote and a sample contract, and a representative should be able to answer any questions you have about the details of the plan’s payment structure, cost, deductibles, service fees, exclusions, coverage, and more.
The best home warranty for your Alaska home will have a clear contract, full coverage, few limitations, and fit nicely into your budget. As mentioned, we like that The Home Service Club doesn’t make homeowners wait more than 10 days for service to kick in and provide additional coverage for roof and utility lines. Take a look at their coverage options and be sure the limitations specific to Alaska don’t bar you from coverage for the most important systems and appliances to protect.
Use this guide as a jumping off point to start your home warranty search by contacting the providers we’ve listed for a quote, reviewing their contracts, and learning more about the coverage offered to determine the best option for your home.
2-10 Home Buyers Warranty does what most home warranty companies don't—keep their promise. It could be the most trustworthy home warranty company on the market today. Read our review for the full scoop.
Select Home Warranty reviews tout its comprehensive coverage at an affordable price. Learn more about Select's plans, low prices, and fast claims process here.
Natalie is a writer based in Raleigh, North Carolina. She enjoys all things creative, from design and decorating to cooking, photography, and gardening, and writes for a variety of digital publications, including her lifestyle blog.