Allstate Homeowners Insurance Review [2023]

Is Allstate a Good Choice?

Allstate has a stellar reputation for home insurance. Customers love Allstate because of an extensive list of discounts, above-average amounts of coverage, and policy add-ons. However, Allstate is one of the pricier home insurance companies.

If you rent your home through companies like Airbnb, Allstate offers home-sharing coverage. This protects your furnishings and other items in case a vacationer causes damage to your home. You can also get coverage for expensive possessions, like musical instruments and electronics.

Another policy customers find appealing is identity theft coverage. If you’ve purchased this policy and your identity is stolen, Allstate will reimburse you. You can also use Allstate’s tools to protect your identity, including an app that helps you monitor who has your data.

The best part? It’s simple to get online quotes for your home insurance. Once you have an idea of how much a quote might cost you, you can call the Allstate home insurance phone number (800-669-2214) to hammer out all the details of your new policy.

Allstate Rates

Allstate has an excellent reputation for its home insurance. However, Allstate home insurance reviews often complain that the price is higher than other companies.

Allstate isn’t the most expensive option, but it certainly isn’t the cheapest. But Allstate offers several discounts to help you save money.

• Automatic payments: Signing up for automatic payments not only saves you time, it can save you money.
• Bundling: If you have other policies from Allstate (like car or life insurance), you can save up to 25% on your total bill.
• Protective devices: You might be eligible for this discount if you have an alarm system that protects against theft or fire.
• Early bird: You can save up to 10% on your monthly bill if you sign up for an Allstate policy at least a week before your current policy with another company ends.
• Claim-free: If you’ve recently switched to Allstate and you don’t have recent claims in your home insurance history, you might receive a 20% discount.
• Recent homebuyer: You earn this discount by having recently bought a newly constructed home.
• Welcome/loyalty: When you switch from a different company, you can earn a 10% discount, and that discount is renewed every year you stay an Allstate customer.
• Payment history: If you have a history of paying your bill on time or paying your account in full, you might receive an additional discount.

Most of Allstate’s discounts are for being a good customer. As long as you pay your bill on time, you’ll likely be eligible for several discounts.

Allstate Coverage Options

While it always depends on the company you choose, homeowners insurance generally covers the interior and exterior of your house, your belongings, and anyone who visits.

Allstate home insurance claims are similar to the auto insurance process — pay your deductible, and the insurance company takes care of the rest.

So, what coverage does Allstate offer? As it turns out, you have a lot of options.

The standard home insurance policies cover your building and any attached fixtures. Even if you don’t have any add-ons to your policy, you’ll be protected from vandalism, smoke, fire, and weather. Weather damage includes wind, lightning, and hail.

Your home policy will also include:

• Personal belongings. One of the key benefits of homeowners insurance is that your belongings are covered. That includes appliances, electronics, furniture, jewelry, and clothing.
• Guest bodily coverage. It’s a tragedy when someone is injured in your home, but many people don’t realize they can be sued. Your home insurance protects you by helping you pay for medical expenses.
• Building protection. This covers your physical home as well as other structures on your property. That includes your garage, sheds, fences, and pools. You can also purchase additional coverage for earthquakes or floods.
• Liability. If you are sued by an injured guest, and you’re responsible for the injury, this helps pay for your legal costs.

You don’t have to be living in a house you own to get homeowners insurance. Allstate offers insurance for landlords and renters, as well as people in mobile and manufactured homes.

These policies are basically the same as traditional home insurance but with features for each type’s unique needs. In fact, you can find many unique coverage options with Allstate, including:

• Umbrella: If your insurance coverage runs out before your costs are covered during lawsuits against you, an umbrella policy can make up the difference.
• HostAdvantage: This is Allstate’s policy for home-sharers that work with companies like Airbnb. Allstate is the first major insurance company that offers this type of insurance.
• Flood protection: Standard homeowners policies cover water damage from burst pipes, but you’ll need extra coverage for flood damage from natural causes. If you live in a flood zone, you might be required to purchase flood coverage.
• Identity theft: As mentioned before, Allstate can help you recover your identity and fix the damage the theft caused to your life.
• Earthquake protection: Allstate can cover you for earthquake damage in certain regions. If you live in an area with frequent earthquakes, Allstate might sell you coverage.
• Scheduled personal belongings: This provides additional coverage for items you’ve had appraised and verified, including antiques and fine jewelry.
• Business: If your home is also a place of business for you, Allstate can give you additional coverage.
• Sport/musical instruments: Equipment can be expensive, and this coverage will replace anything you lose to damage.
• Landscaping: Creating a natural paradise in the front or backyard is the goal of many homeowners, but it can be expensive. If you have a lot invested in your yard, you can buy additional coverage.
• Water backup: Sometimes, backed-up drains and sewers can cause severe damage to your home. This policy provides the extra coverage you need to repair it.
• Green improvement: For the things you’ve purchased to decrease your carbon footprint, this insurance can help you replace them if they are damaged.
• Mobile/manufactured homes: This replaces the standard home policy if you live in a mobile or manufactured home.
• Data recovery: If your computer or tablet is stolen, damaged, or destroyed, this coverage will help you replace your data.

As you can see, there are many options for insurance, which is why it’s best to speak with an agent. They can help you select the best insurance for your needs.

However, this type of policy does not work if you don’t own the property. If you’re a renter, Allstate has you covered with renters insurance.

Is Allstate right for you?

Allstate offers many perks in the form of discounts, extended coverage, and good customer service. However, prices tend to run a little higher than some of its competitors.

When it comes to Allstate insurance, home coverage can be affordable for your needs, but you should shop around to make sure it’s your best choice. If you’re ready to see what quotes might look like for you, enter your ZIP code into our free tool today.