Allstate offers comprehensive homeowners insurance that can be tailored to homeowners’ specific needs.
Purchasing a home is a major milestone, and it’s one of the most important investments you’ll ever make. It makes sense that you want to protect it. That’s what homeowners insurance is for — but not all providers are created equal. You want to make sure you’re getting the best possible coverage for the best possible price.
Enter Allstate. This insurer has been in the industry for almost a century, and its 16 million customers make it one of the country’s largest providers. It’s also the parent company of several boutique insurance providers, including SquareTrade and Esurance.
FYI: Allstate was formed in 1930 by Sears, Roebuck & Co. president Robert Wood to provide auto insurance.1
I spent days combing through Allstate’s policies and services, reading reviews, and looking at the data to let you know exactly how it stacks up against the competition. But before I unpack everything Allstate has to offer homeowners, let’s take a quick look at its pros and cons.
On paper, Allstate looks pretty good. To get a clearer understanding of what it offers, let’s explore its coverage in depth.
Your personal policy generally will be tailored to your needs, but Allstate’s coverage will protect your dwelling and attached and unattached structures from damage, theft, vandalism, and weather.
Dwelling: Covers physical damage to your home and its components, including damage caused by smoke, fire, weather, or vandalism. This is what most people think of when they hear “homeowners insurance.”
Other structures: Covers damage to attached and unattached structures such as fences, pools, garages, and sheds. Coverage for unattached structures often will be a percentage of the recovery cost of your primary dwelling.
Personal property: This is coverage to repair or replace your belongings, such as furniture, appliances, and clothing. Check your policy, though, because added-value items such as jewelry, antiques, firearms, and collectibles may require additional coverage.
Liability: This coverage protects you if you are sued by an individual who has an accident or injury on your property. It could be from a slip-and-fall accident or if the neighbor kid twists his ankle on your stairs. If you’re found legally responsible, your Allstate liability insurance will cover the damages.
Guest medical protection: Dog bite the mailman? This protection will cover the costs of medical bills if someone is injured on your property, including emergency services, dental work, or long-term care.
FYI: The majority of Allstate’s home insurance plans are HO-3 — the most common type of homeowners insurance. These plans offer “open peril” coverage for the structure of your home and “named peril” coverage for your personal property — those threats specifically listed in your policy.
These are just the general coverages offered by Allstate homeowners insurance. It offers plenty of policies to suit nearly every need.
Allstate is one of the largest insurance providers in the country, so it makes sense that it offers a broad range of services. Here are a few of its unique offerings.
HostAdvantage: Allstate was one of the first insurers to offer insurance designed specifically for homeowners who rent out their property through online booking sites such as Airbnb. This coverage can protect you from theft and damage that may occur from renting out part or all of your home. Guests got a little too rowdy? Now you don’t have to worry about it.
Earthquake insurance: In select regions, Allstate offers earthquake insurance on top of its standard protections. Make sure you read your policy completely, though, because not all earthquake policies are designed to reimburse you for total loss.2
Personal umbrella policies: Umbrella policies essentially extend the coverage of certain aspects of your policy and protect you if your limits are reached. There are situations in which these policies are unnecessary, but speaking with your agent will provide clarity for your unique situation.
Identity theft protection and restoration: What would you do if you woke up tomorrow and your bank account was drained? If your identity is stolen, this coverage will help you recover from financial losses. For more information, read our Allstate identity protection review.
Rental insurance: If you own investment property, then Allstate can insure that as well. These policies protect against damages a renter may cause and can help you recover if the property is otherwise damaged by weather or vandalism.
FYI: If you’ve just started renting out a property you previously occupied, you should speak with your insurance agent. It’s likely that you’re paying for coverage you don’t need.3
Now that you have a solid grasp of how Allstate home insurance can protect you, let’s discuss one of the most important aspects of homeowners insurance shopping: the cost.
Homeowners insurance rates depend on a wide variety of factors, including the value of the property, the state in which it’s located, the neighborhood it’s in, the current state of the structure, and your credit score. Nailing down an “average” cost can be difficult, and your results are almost guaranteed to vary.
FYI: It’s difficult to track down the “average” cost of a homeowners insurance policy regardless of provider, but most sources agree it’s between $1,300 and $1,700 per year, or $108.33 and $141.66 per month.
With that in mind, Allstate is a pretty average service. It’s not the most expensive, but it’s certainly not the cheapest.
According to Zillow, the average home price in America is about $300,000 — $293,349, to be exact. To determine what the average homeowner would pay for a typical Allstate insurance package, I selected a representative home in Atlanta and got a quote from Allstate’s online tool using my personal information.
I have more information in my guide to Allstate’s pricing and services, but for our purposes Allstate offered three plans: a basic, a standard, and an advanced plan. Per month, these plans cost $63, $87, and $91 respectively. The first two looked a little scant to me, so I explored the enhanced plan a little further.
|Coverage||Claim Limit||Deductible||Cost Over 12 Months|
|Other structures||$24,609||N/A||Reflected in premium|
|Personal property protection||$184,564||N/A||$6|
|Additional living expenses||$49,217||N/A||$3|
|All peril deductible||N/A||$1,000||$1,006|
|Windstorm/hail deductible||N/A||$2,500||Reflected in dwelling protection|
|Tropical cyclone deductible||N/A||$5,000||Reflected in dwelling protection|
|Family liability protection||$500,000||N/A||$50|
|Guest medical protection||$5,000||N/A||$9|
This quote is using my information for a $300,000 home in one particular city. Your circumstances could cause the rate to fluctuate significantly. I’ve seen “average” rates from Allstate north of $130 per month.
Pro Tip: If you’re looking to save, you may want to read my review of AAA homeowners insurance. It offers reasonable protections that won’t break the bank.
With that in mind, how do Allstate’s prices look against the competition?
|Provider||Estimated Monthly Rate|
Pretty good, all things considered. Allstate is consistently a little on the pricey side, but there are still plenty of opportunities to save. Let’s talk about the discounts this popular provider offers. Some are pretty standard, and others are unique.
Even though its premiums can be on the expensive side — similar to Farmers homeowners insurance — Allstate may still be a great option given the sheer number of discounts available.
Automatic payments: Just by setting up automatic payments, you’ll save 5 percent with Allstate.
No claims discount: If you’ve never made a claim, you may be eligible for a 20 percent discount when you switch to Allstate homeowners insurance.
Bundle discount: If you combine an auto or term life insurance policy with your Allstate home insurance policy, you can save up to 25 percent.
New customer discount: You can save 10 percent if you switch to Allstate from another insurance provider.
Green improvement reimbursement: This discount pays you to replace items damaged in a claim with more energy-efficient versions. Good for your wallet and the environment.
If Allstate is looking like the right service for you, you’ll want to know more about the claims process and what other customers have experienced.
Filing a claim with Allstate is a relatively simple process, and you have a few options depending on what you’re most comfortable with. You can call 800-669-2214, get in touch directly with your Allstate agent, file a claim online, or download the company’s mobile app.
In my research, I found most people were happy with their experience with Allstate. As with any large company, though, there were some bad experiences that stuck out. Unfortunately, the number of bad experiences is pretty high, which is one of the main criticisms of Allstate overall. Here’s one such review from a customer named Andy in New York:
“During hurricane Ida, my apartment had some water damage, which affected the wall paint and wood floor. I filed a claim with Allstate and without even visiting the property to inspect the damage, I got a call from one of their representatives that my claim was rejected as the policy doesn’t cover water damage. My insurance premium has been increasing every year over the past 10 years, and now when I file a claim to cover the damages in my home, they can reject my claims.”
That said, it seems like the good outweighs the bad. Here’s a recent five-star review from “T,” also located in New York.
“When I needed to submit a claim, Allstate agents were there. Things were settled very fast and I was reimbursed for property lost or damaged. Allstate is great and keeps up with the times, and they pay out claims fairly and promptly with no big hassles to deal with.”
Will this be your experience? Most likely. It seems far more people were satisfied with their service than not. But what about availability? Is Allstate home insurance open to everyone?
Another thing I like about Allstate is that it’s available everywhere. Allstate’s homeowners insurance is available in all 50 U.S. states, as well as the District of Columbia. In my research I didn’t find any state-specific restrictions; the only thing that fluctuates by region is price.
When you’re shopping around for homeowners insurance, it’s important to get multiple quotes from multiple providers. See below for a snapshot of how Allstate ranks against some of the other heavy hitters in the industry.
Pro Tip: I recommend getting quotes from at least five providers in your area to ensure you’re getting the best coverage for the best rate.
Allstate offers some of the most comprehensive protections out there, and the customizability of its plans keeps it in contention despite the sometimes higher-than-average premiums. Here’s how Allstate stacks up against some of its major competitors.
|Available in 50 states||Yes||No||Yes||No||Yes|
|AM Best rating||A+||A++||A++||A||A++|
|Home security system discount||Yes||Yes||Yes||Yes||Yes|
|BBB rating||Not accredited||Not accredited||A+||A+||Not accredited|
That just about covers everything you need to know about Allstate homeowners insurance.
Where Allstate really stands out is its unique coverages and its customizability. It’s the first major provider to offer insurance specifically for short-term rental properties, and its eco-friendly replacement policy is great for your wallet as well as the planet.
I also really liked the long list of discounts Allstate offers — especially for new customers and first-time buyers. Even though its premiums can be a little high, most buyers will be able to keep those costs reasonable by taking advantage of its deals and discounts.
There are a few aspects of Allstate’s offerings I wasn’t too pleased with though.
The first drawback is the cost. If you can’t take advantage of Allstate’s discounts, you may be better off with another provider. Make sure you shop around!
I also didn’t feel confident about the number of registered complaints against Allstate. Some bad experiences are bound to happen with an organization of this size, but I certainly would have liked to see fewer complaints.
With all this information taken into consideration, is Allstate worth a closer look?
It’s not the cheapest provider out there, but dollars and cents shouldn’t be your only consideration when selecting homeowners insurance.
Allstate offers great coverage, unique protections for specific situations, and a litany of deals and discounts. It may not be right for everyone, but I’d recommend at least getting a quote from Allstate when you’re shopping around for your perfect policy.
Speaking of shopping around: We’ve made it really simple to compare some of the biggest names in the industry. Head over to our home insurance buyer’s guide for more information.
Allstate is one of the largest insurers in the country, and it offers a variety of coverage packages for millions of customers.
Allstate’s standard coverage will cover your dwelling and other structures on your property. It also offers a long list of extra protections for specific situations.
Like most homeowners insurance policies, certain natural disasters such as flooding and earthquakes are excluded. You can purchase additional policies for these events.
Filing a claim with Allstate is simple, and there are multiple ways you can do so. Log on to the company’s website, contact your agent, call 800-669-2214, or use the mobile app.
Allstate offers plenty of deals and discounts. New customers, those who haven’t made claims in five years, and seniors can all expect to pay lower premiums.
Allstate. (2022). Allstate History & Timeline.
California Department of Insurance.. (2022). Earthquake Insurance.
Insurance Information Institute. (2022). Renters Insurance.
As Managing Editor for SafeHome.org, Rob Gabriele has written and edited over 1,000 articles in home security. His expertise is in smart home automation and home protection with thousands of hours of testing and research under his belt. Formerly a reporter and producer for the USAToday network, Rob has been a writer and editor for over 10 years. He holds a Master’s of Science with an emphasis on writing from the University of Montana, and he currently lives in the Reno/Tahoe area of Nevada.