Borough
Kenai Peninsula Borough
Region
Kenai Peninsula
Neighborhoods & areas
Homer Spit, Old Town, Baycrest, East End Road, Diamond Ridge, Skyline Drive, Kachemak City
Housing mix
Custom view homes on the bench and ridges, cabins, bed-and-breakfasts and commercial buildings on the Spit
Notable events
- 1964 earthquake subsidence of the Spit
- 2006 Augustine Volcano eruption
- Kachemak Bay windstorms
Local claim risks
- Coastal windstorms
- Snow load
- Volcanic ash
- Frozen pipes
- Earthquake (with endorsement)
A town at the end of the road
Homer sits at the southern end of the Sterling Highway, with homes climbing from Kachemak Bay up to Diamond Ridge and Skyline Drive. The Homer Spit extends into the bay with harbors, businesses and seasonal properties.
Earthquakes and volcanoes
The 1964 earthquake caused the Homer Spit to subside several feet. Across Cook Inlet, volcanoes such as Augustine, which erupted in 2006, and Redoubt can drop ash on the southern Kenai Peninsula. Volcanic eruption is listed as a covered peril in many homeowner policies, unlike earthquake, which is usually excluded.
Wind and snow
Storms off the bay can bring strong winds to exposed homes on the bench and the Spit. Higher elevations along Skyline Drive and Diamond Ridge get heavy snow. Wind damage, snow load and ice dam claims are common.
Housing and common issues
- Custom view homes with large windows and complex rooflines
- Cabins and bed-and-breakfasts with mixed residential and business use
- Commercial buildings on the Spit exposed to wind and salt
- Higher costs and longer timelines for specialty trades
We serve Homer, Kachemak City, Anchor Point, Fritz Creek and the southern peninsula.
Services available in Homer
Every Alaska Insurance Appraiser service is available to property owners in Homer and nearby, including:
- Appraisal Panel Representation
- Homeowner Claim Appraisal
- Commercial, HOA & Condo Appraisal
- Roof, Hail & Ice Damage Appraisal
- Windstorm Damage Appraisal
- Snow Load & Ice Dam Claims
- Frozen Pipe & Water Damage Appraisal
- Fire, Smoke & Wildfire Appraisal
Questions from Homer property owners
Is volcanic ash damage covered?
Volcanic eruption is a named peril in many homeowner forms. Ash cleanup and damage to roofs, HVAC and vehicles may be covered depending on the policy.
My home is also a bed-and-breakfast. Does that matter?
Yes. Business use may require a different policy or endorsement, and it can affect how a claim is handled.