Allstate Homeowners Insurance Review

Allstate home insurance is worth looking at because of its low rates, extensive coverage options, and strong mobile app. To discuss your options, you can either get a quote online oder talk to a local agent.

Allstate is the country’s second largest home insurance company. They offer a variety of products including car and life insurance, IRAs, and 529 plans. Allstate may be the right company for you if you are looking for a trusted company that can handle all your policies.

Allstate homeowners insurance received 4 stars out 5 for overall performance. Our editorial team determines NerdWallet’s ratings. The scoring formula considers coverage and discounts, ease of filing claims, website transparency, financial strength and complaint data from National Association of Insurance Commissioners.

Allstate offers optional add-ons to homeowners policies that provide additional coverage.

  • Restoring identity theftIf your identity is stolen, you can get legal fees and other costs paid by.
  • Water backup coverageDamage caused by a clogged drain or broken sump pump.
  • Coverage for more valuable items increasedLike antiques, musical instruments, jewelry, or sports equipment. A possible appraisal might be necessary.
  • Insurance coverage for business propertyThis allows you to store more business-related items in your home.
  • Green improvement reimbursementAfter a covered claim,, which pays to replace the damaged item with an energy-efficient version.
  • Coverage of the garden and yardThis will increase your restrictions on items such as trees, plants, and lawn mowers.
  • Coverage for electronic data recoveryTo pay for the loss of photos, videos, or other files on your personal PC.
  • Provision for reimbursementYou will receive a receipt and a reimbursement for the cost of new replacements for items that were stolen or damaged in a covered case. Allstate will pay the depreciated cost if you don’t replace an item.
  • HostAdvantageThis insurance is for people who rent their homes temporarily through Airbnb and similar services. Renters may destroy or steal your personal property. This insurance is available for up to $10,000 per rental host.

The Enhanced Package includes three benefits and allows you to upgrade your policy. You can get $100 off your deductible when you sign up for the Deductible Rewards feature. Plus, you will receive $100 off each year that you aren’t a claim-free. This adds up to $500. If you haven’t filed a claim within the last year, you’ll get 5% off your annual renew rate. If you file a claim, your rates will not increase unless you have more than one within a five year period.

Some optional coverage options are not available in all states.

Allstate Home Insurance Rates

NerdWallet compared Allstate’s average home insurance rates with those of three widely-available insurers across the U.S. at $1,579 per year. While Allstate’s rate was lower than the national average, it was higher than two of its rivals’ rates in this mini-analysis. State Farm and USAA were the most affordable of all the companies we compared.

Allstate home insurance discounts

Allstate offers homeowners insurance discounts in a number of ways. These savings can vary by state, but could include the following:

  • Multi-policy discount
  • Claim-free discount.
  • Discounts for paying in full, or through an Escrow Account
  • Purchase a new home at a discount
  • Recent home buyer discount.
  • Loyalty and welcome discounts
  • Autopay Discount
  • Safety and security devices discounted
  • Sign up early to receive a discount on a new policy, at least one week before your previous one expires.

Allstate consumer complaints

According to data from the National Association of Insurance Commissioners, Allstate received more complaints than expected relative to its size.

Allstate Home Insurance Consumer Experience

Website:Allstate’s website makes it easy for you to file claims and track them, get a quote, and pay your bills. You can also find a wide range of articles, videos and calculators that will help you to learn more about home insurance.

AppendicesAllstate’s mobile app allows you to pay your bills, view your policy documents, call your agent, and file claims. For homeowners, the Digital Locker feature is especially useful. It guides you through the process to create a home inventory in the event that your belongings are lost or damaged in a disaster.

Guide to buying homeowner’s insurance

Before you begin comparing quotes, determine how much coverage you require for your home. Do you need additional insurance to cover things like identity theft and sewer backups? Make sure you check to see if the company you are considering offers the options that you require.

Take a look at your personal property to ensure that you have enough coverage. What would it cost to replace them? All furniture, electronics, and household items should be included. This is the minimum amount you need for personal property insurance.

Compare rates from different insurers to ensure they offer the same deductibles and limits. While it might be tempting to pick the cheapest policy, you should also consider how many complaints each insurer has. If you have to file a claim, poor customer service can make a big difference in your experience.

You can get home insurance quotes online, over the phone or through an agent.

FAQs for Allstate Home Insurance

Is Allstate able to insure manufactured and mobile homes?

Yes. Yes. Allstate’s manufactured house policies include coverage for your belongings, your home’s structure, and personal liability. You can also add additional types of coverage. Learn more about manufactured and mobile home insurance.

What are the other types of insurance Allstate offers?

Allstate also offers many other policies including auto, life and renters insurance, as well as umbrella and boat insurance. Learn more in NerdWallet’s Allstate auto insurance review.

What does Allstate home insurance include for termites?

Homeowners insurance policies generally do not cover termites or other infestations. However, regular maintenance is part of keeping your home bug-free. Your policy might cover rare situations like a fire from termites eating through wires. Fire is not covered under a homeowners policy. Learn more about homeowners insurance coverage.