Eklutna Lake, AK
Photo by Amanda Doney | Umialik Employee

Products for Individuals & Families


Outstanding Protection for Your Personal Insurance Needs

Umialik offers a wide variety of both personal and commercial insurance products. Whether you’re looking to insure your auto, business, home, or other types of dwellings, Umialik offers the reliable coverage you need and deserve.


At Umialik, we offer excellent Personal Auto coverage at a fair price, and our unique Penalty-Free Promise® means you will never pay a higher rate as the result of accidents or violations. Our Personal Auto Insurance program is an ideal choice for Alaskan drivers, with a variety of discounts and local, experienced claim staff ready to provide you with outstanding service.

Home is where the heart is, which is why Umialik believes it deserves the best protection. Whether you're a renter, a homeowner, or a condo unit owner, Umialik is here to help protect your home.

Umialik also offers optional Homeowner Equipment Breakdown coverage to help with repair and replacement costs for your home equipment when it breaks down. Covered equipment includes air conditioning and heating systems, dishwashers, PCs and laptops, media systems, refrigerators, washers, dryers, water heaters, ranges, ovens, lawn tractors, and more.

Personal liability lawsuits can reach devasting levels. That's why Umialik offers Personal Umbrella Insurance — a policy that provides an extra layer of liability coverage over that provided by your other personal insurance policies. The Personal Umbrella Insurance policy increases certain limits to $1 million or more, providing the extra coverage to help protect individuals and families from severe liability costs. This affordable policy is available to customers who have both a Personal Auto policy and a Homeowner policy with Umialik.

Do you own multiple properties? Umialik offers Dwelling Property Insurance to help customers like you cover various types of dwellings that their Homeowner Insurance does not cover. Whether it's property that you rent to others or a seasonal property that you own*, our Dwelling Property Insurance provides the reliable and affordable protection you need.

*This option available only to customers with an underlying Umialik Homeowner policy