Short answer: Under AS 21.36.240, an Alaska homeowners insurer that won't renew your policy must give you written notice at least 45 days before it expires. If you think a notice broke the rules, contact the Alaska Division of Insurance.
The rule
- A personal policy can be non-renewed only on its anniversary, with written notice at least 45 days before it expires.
- An insurer can't non-renew solely because of your earliest claim in the past three years if that claim came from a third party's crime.
- If notice isn't given properly, the policy continues until the required notice is given.
Source: AS 21.36.240.
What to do if you get a notice
- Check the dates. Count from when the notice was mailed or delivered.
- Ask your insurer or agent for the specific reason and whether a repair or update would change its decision.
- Start shopping right away. If regular insurers turn you down, ask about Alaska's FAIR Plan or other residual market, if one exists.
- If the notice seems late or vague, file a complaint with the Alaska Division of Insurance.
See also our non-renewal notice rules by state table.
Questions? Contact Alishahi Insurance or call (877) 711-4545. Vea insurance in Alaska.
Frequently asked questions
How much notice is required for a homeowners non-renewal in Alaska?
At least 45 days, under AS 21.36.240.
Does the insurer have to give a reason?
Check your notice and your policy, and ask the insurer in writing.
Who regulates insurance in Alaska?
The Alaska Division of Insurance.
Alishahi Insurance · 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210 · (877) 711-4545 · CA License #4348151. General information only. This isn't legal, tax or financial advice or a coverage determination. Coverage depends on policy language and underwriting, and rules vary by state.