Where to shop for homeowners insurance in Kenai & Soldotna Alaska

Country Financial Leslie Baker 262-2866
43299 Kalifornsky Beach Rd, Ste 18, Soldotna, AK 99669

Walters @ Associates Insurance 283-5116
130 S Willow St #8, Kenai, Alaska 99611

Homer Insurance Center 235-3881
509 Sterling Hwy. Suite 201 Homer Alaska 99603

Alaska USA Insurance: (907) 714-4367
Alaska USA Financial Center
230 Bidarka St., Suite 120, Kenai, AK 99611

State Farm Kenai 283-7166
10735 Kenai Spur Highway, Ste 1, Kenai, AK 99611

State Farm Soldotna 262-4440
35202 Kenai Spur Hwy, Suite 1, Soldotna, AK 99669-7622

Questions to ask when shopping for homeowners Insurance:

  • Is this insurance company dependable?
  • What does this policy cover, and what doesn’t it cover?
  • Should I buy a separate flood and/or earthquake insurance policy?
  • How much stuff do I need to protect?
  • How much is the personal property in my home worth in the event of a total loss?
  • Do I need extra insurance for jewels, toys or guns?
  • What is the rebuilding cost of my home?
  • What is the claims history of my home?
  • How will future claims be handled?
  • How much liability protection do I need?
  • What level of additional living expense coverage do I need? The Additional Living Expenses (ALE) provision is found in standard homeowners insurance policies. It pays for the costs of living away from home if you cannot reside there due to damage from an insured disaster.
  • Do I qualify for any discounts? Discounts are available if you have higher deductibles, smoke detectors, sprinkler systems, fire extinguishers, dead bolt locks, hurricane shutters, or laminated glass.

Rules For Investing In An Alaska Housing Recovery

IMG_0771The Kenai Peninsula housing recovery is in full swing and many investors are considering buying an income property. In the Kenai and Soldotna real estate market single family homes are a popular option. The profit potential in single family homes for investment has been a consistently long-term investment in good and bad economies. They offer investors the opportunity of high loan-to-value mortgages at fixed interest rates for 30 years on appreciating assets, tax advantages and reasonable control that other investments don’t offer.

In 2012 , Warren Buffet said that if he had a way of buying a couple hundred thousand single-family homes, he would load up on them. Blackstone Group L.P. (BX) has now purchased over 30,000 homes and American Homes 4 Rent (AMH) has more than 19,000 for rental purposes. Individual investors actually have an advantage over the institutional investor but if they are not familiar with rental real estate, some basic rules could be very helpful.

Rules to Guide Your Real Estate Investment: Single Family Homes

  • Invest now to get more in the future. Whether it is time, effort or money, the prudent investor is willing to forego immediate gratification for something more at a later date.
  • Real estate is an IDEAL investment. IDEAL is an acronym that stands for income, depreciation, equity build-up, appreciation and leverage.
  • Invest in a alaskan single family homes in predominantly owner-occupied neighborhoods at or below average price range. This strategy should involve homes that will increase in value, rent well and appeal to an owner-occupant in the future who will pay a higher price than an investor.
  • Location, location, location. The same homes in different areas will not behave the same. You can improve the condition, modify the terms or adjust the price but the location can’t be changed.
  • Understand your strategy – buy and sell, buy and hold or buy, rent and hold. These three distinct strategies involve big differences in acquisition, management and taxation.
  • Know where your profit is coming from before you invest. The four contributors to profit are cash flow, appreciation, amortization and tax savings. They don’t contribute equally or the same in all investments.
  • Profit starts with purchase. Buying the property below market value builds profit into the investment initially.
  • Risk is directly proportionate to the reward involved. An investment that has a high degree of upside also will have considerable downside risk.
  • Avoid functional obsolescence unless you have a plan before you buy.The lack of usefulness or desirability of a home that exists when you buy it will still be there when you sell it. Unless it can be cured, it will affect future profit.
  • Good property + good tenant + good management = great investment. These are three solid components for a successful investment.
  • Problems left unresolved have a tendency to get worse. It is generally cheaper in time or money to fix a problem earlier rather than later.

If you’d like more information about the opportunities in our market, contact me. Glenda Feeken RE/MAX of the Peninsula 907 252 2743

 

35500 Poppy Ridge Drive Soldotna, AK 99669: Soldotna Home For Sale


Well located Soldotna home for sale off K-Beach. Situated half way between Kenai and Soldotna near the Kenai Peninsula College and the Red Diamond Center. You have great access to all that the central peninsula offers.  This large home with it’s easy living floor plan is a must see. Paved road all the way to town help keep your car clean.

Soldotna Home For Sale

This well built Soldotna ranch has a clean layout and ready for a new owner.  Configured with three bedroom, two baths and a two car garage.  The living area is spacious and opens to the dining area. The kitchen is well appointed with ample counter space and oak cabinets. The range is natural gas.

Soldotna Home For Sale

The master bedroom is large and private at the rear of the home with its own bath and walk in closet. The other two bedrooms are a good size and one has a large walk in closet.  The master bath is well designed with the toilet and tube separate from the sink.  The hall bath is fairly standard for the area with a shower & tub combination good for children.

Soldotna Home For Sale

This Soldotna home is heated with forced air natural gas. The closest salmon fishing is around the corner down Knackstedt road. The school are k-beach elementary, Soldotna Middle school and Soldotna High School.  The closest pizza is either the Duck Inn or Big Daddy’s Pizza.

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New Construction Soldotna Home For Sale: 35330 Julia Lane Soldotna Alaska 99669:


Soldotna New Construction Home For Sale with 3 Bedroom, 2 Bath, 1,328 square feet, built in 2014, with large one car garage that will fit a full size truck. Heat is a condensing natural gas boiler with baseboard. The best four features of 35330 Julia Lane, Soldotna:

  • Private location on 1.6 acres.
  • Energy Efficient 5 Star Plus. Energy rebate of $7,000 if using qualifying Alaska Housing loan program.
  • A new construction home with storage. Kitchen & living area has three pantries and a coat closet.
  • Nice finishing, very fresh and welcoming feel. Granite counter tops with hickory cabinets and stainless appliances.

Soldotna New Construction Home

Why Buy New A Construction Home?

Superior Building Envelope: 35330 Julia is a 5 star plus construction with superior energy performance.  To maintain air quality this home features an exhaust only ventilation system. The windows are double pane low E vinyl construction by Alside. The foundation is poured concrete using insulated foam blocks. The walls offer exceptional insulation with 2 x 6 construction with blow-in blanket insulation and a vapor barrier. The attic is R-60 blow-in fiberglass insulation. Soldotna New Construction Home For Sale

Stronger Building Codes: Better building codes build better homes on the Kenai Peninsula and construction inspections ensure you are getting what you payfor. This home has been ICBO inspected and has had a complete energy audit.

 

Storage: The living room has a large closet by the garage door. The dining room has two large pantries. The kitchen has its own pantry in addition to upper and lower cabinets. The hallway has a traditional linen closet adjacent to the three bedrooms. The master bedroom has two closets.  Additional storage includes a very well built four foot crawl space with excellent access via the garage. It would be feasible to easily store items from Christmas decorations to hunting supplies out of the home and out of the way without having to go through a bedroom closet to retrieve them. Soldotna New Construction Home For Sale


Green appliances:
 The more energy-efficient your home’s boiler, refrigerator and other appliances are the less you spend on utility bills for new-home buyers.

Soldotna New Construction Home For Sale

Its New With Fewer Repairs: Everything is new so you don’t have to worry about fixing it. You will not be buying some other homeowner’s mistakes. All work was completed by licensed professionals.

 

Less Maintenance: Newer homes are enjoying advances in material that reduce the need for annual painting and touch ups.  Julia has low maintenance exterior vinyl siding, metal facia and gutters.  The septic system is brand new a plus of purchasing an existing home.

 

Financing: Option include Conventional, FHA or Alaska Housing. Energy rebate of $7,000 if using qualifying Alaska Housing loan program.

 

This home was built by Steven Bowen with Little Knife Enterprise: Contractor License #36350, Res Const Endorse #2483. Electrical by JH Electic, pluming and baseboard condensing gas boiler by M&J Plumbing, Septic by Foster Construction.

 

49895 Leisure Lake Drive Soldotna, AK 99669: Soldotna Realestate for sale

Exceptional value in Soldotna realestate located a short drive from town off Tote road. This Soldotna home sits on a private 1.1 acres treed site with access to many outdoor activities. Feel free to ATV or snow machine from your back yard. Soldotna Real Estate For Sale

This well designed Soldotna home has three bedrooms and two full baths. One bedroom is down stairs and the other two are up stairs. The bedrooms are a good size and the second story rooms have high ceiling with excellent lighting and nooks for storage.  The living room and kitchen area are an open floor plan with a u shaped kitchen with ample counter space and storage.

Soldotna Realestate For Sale

The property has exceptional storage with a large attached work shop at the rear of the home. The storage shed runs the length of the back of the home and has a ramp to drive your tools and equipment under cover.

 

 

29910 Lonely Street Soldotna Alaska 99669: Soldotna Home For Sale

This Soldotna Alaska home for sale is perfect for the avid outdoorsman. Located a short drive South of Soldotna off Tote Road.  Many of the  outdoor activities you cherish are easily accessible. Whether it is hunting, jet skiing & boating or riding snow machines & four wheelers this area is perfect for people who enjoy spending time outside.

Soldotna Home For Sale
This Soldotna home has three large bedrooms and two and a half bathrooms.  The master bedroom is located upstairs with its own private deck and breathtaking view of the lake.  The master has its own spacious loft that could be used as an office or an extra living room. The master bath has everything you could ask, including a his/her double sink vanity to a jetted tub and shower. From the master descends a custom stairwell made out of log.
Soldotna Home For Sale

The main floor is truly one of a kind!  The kitchen is beautiful and there is plenty of room for a big dining room table.   The living room is stunning with a gorgeous stone fireplace and an impressive life sized carving of a bear trying to reach an eagle.  Sitting by the stone fire place your guests will be amazed by the huge wrap around deck with a first class view of the lake.  The pitched roof extends over the deck fully sheltering it and comes with a six person hot tub.
Soldotna Home For Sale

The downstairs living room is also very roomy!  It also has a view of the lake thanks to its walkout basement.  The other two bedrooms are downstairs and share a full bathroom.  The garage has plenty of space for two vehicles and storage.