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Allstate and Geico are two reliable options for homeowners looking for dwelling, personal property, and liability coverage. However, the policies from each of these companies will vary slightly in terms of coverage options, endorsements, and discounts. To help you understand those differences and choose the best homeowners insurance for your home, the This Old House Reviews Team created this Allstate vs. Geico home insurance comparison.

For home insurance quotes in your area, call 855-948-5219 or enter your zip code in our free quote tool:

Allstate vs. Geico Home Insurance Comparison

Provider Allstate Geico
Provider Allstate Geico
Other structures coverage limits 10% of dwelling 10% of dwelling
Personal property coverage limits 60% or 75% of dwelling 70% of dwelling
Liability coverage limits $100,000, $200,000, $300,000, or $500,000 $100,000, $200,000, $300,000, $500,000, or $1 million
Monthly price* $302 $116
Discounts available 9 3
Unique add-ons Musical instruments, yard and garden Valuable collections, rebuilding
Customer service 24/7 24/7
BBB rating A+ A+

*Based on quotes from Raleigh, North Carolina, and Houston, Texas

Allstate vs. Geico Home Insurance Coverage Comparison

Allstate and Geico homeowners insurance policies include dwelling, other structures, personal property, additional living expenses, personal liability, and medical payments to others coverage. Take a look at how coverage options and endorsements vary by company.

Allstate Coverage

Unlike other insurance providers, like AAA or Liberty Mutual, Allstate doesn’t let customers pay one deductible for all events. Instead, the deductible is split up by peril. Scan the table below to see your options for deductibles and other areas of coverage.

Allstate Coverage Comparison Chart

Type of Coverage Coverage Options
Type of Coverage Coverage Options
Other structures 10% of dwelling
Personal property 60% or 75% of dwelling
Loss of use 20% of dwelling
Liability $100,000, $200,000, $300,000, or $500,000
Medical payments to others $1,000, $2,500, or $5,000
Windstorm/hail deductible $2,500, $5,000, 1% of dwelling, or 2% of dwelling
Tropical cyclone deductible 2%, 3%, or 5% of dwelling
All other perils deductible $2,500, $5,000, 1% of dwelling, or 2% of dwelling

If you want coverage for additional events and items, you can add these Allstate endorsements to your policy:

  • Roof surface extended coverage
  • Water backup
  • Green improvement reimbursement
  • Extended coverage on jewelry, watches, and furs
  • Identity theft restoration
  • Claim rate guard
  • Yard and garden
  • Scheduled personal property
  • Electronic data recovery
  • Business property
  • Musical instruments
  • Sports equipment

Geico Coverage

Geico’s coverage looks similar to Allstate’s, except customers have one deductible for all losses.

Geico Coverage Comparison Chart

Type of Coverage Coverage Options
Type of Coverage Coverage Options
Other structures 10% of dwelling
Personal property 70% of dwelling
Loss of use 20% of dwelling
Liability $100,000, $200,000, $300,000, $500,000, or $1 million
Medical payments to others $1,000, $2,000, $3,000, $4,000, or $5,000
Deductible $250, $500, $1,000, or $2,500

Here are Geico’s endorsement options:

  • Blanket jewelry coverage
  • Earthquake coverage
  • Identity theft protection
  • Business pursuit
  • Loss assessment coverage
  • Water backup and sump overflow

Allstate vs. Geico Home Insurance Cost Comparison

The average homeowner paid about $101 per month for home insurance in 2017, according to the Insurance Information Institute. However, certain factors like your credit score, claims history, square footage of your home, and proximity to a fire station may increase or decrease your insurance rates.

To give you an idea of what an Allstate and Geico policy might cost, we requested quotes for a one-story home with 3.5 baths and four bedrooms.

Allstate Cost

Allstate’s online quote tool starts by asking you questions about your home. From those questions, Allstate generates a rebuilding cost estimate, which is used for dwelling coverage. Other structures, personal property, and loss of use coverage is determined from that number, and the remaining coverage is chosen by the homeowner.

Allstate Cost Comparison Chart

Type of Coverage Amount of Coverage
Type of Coverage Amount of Coverage
Dwelling $332,437
Other structures $33,244
Personal property $199,462
Loss of use $33,244
Liability $300,000
Medical payments to others $1,000 per person
Deductible $2,500 for windstorm/hail/all other perils, $6,648.74 for tropical cyclone
Monthly cost $302

Note: This quote was for a home in Houston, Texas.

Allstate has nine discounts to help homeowners lower the cost of their premium:

  • Multi-policy
  • Easy pay
  • Claims-free
  • Protective device
  • Early signing
  • Welcome and loyalty
  • Home buyer
  • 55 and retired

Depending on your state, you may be eligible for smaller discounts, such as one for having storm shutters installed.

You can get a free quote from Allstate by clicking here, or by using the tool below.

Geico Cost

Geico determines pricing the same way as Allstate. Here’s the quote we received from Geico for a home in Raleigh, North Carolina, that had similar characteristics as the home in Houston, Texas.

Geico Cost Comparison Chart

Type of Coverage Amount of Coverage
Type of Coverage Amount of Coverage
Dwelling $239,100
Other structures $23,910
Personal property $167,370
Loss of use $47,820
Liability $300,000
Medical payments to others $1,000 per person
Deductible $1,000
Monthly cost $116

Geico offers three discounts to help decrease your premium and save you money:

  • Having home security systems
  • Having smoke detectors and fire extinguishers
  • Multi-policy

Our Conclusion

Allstate offers more coverage options, endorsements, and discounts than Geico. You can get between 60%–75% of dwelling for personal property coverage instead of automatically getting 70% from Geico. While Geico does have one more liability coverage option and two more medical payments options, Allstate has more deductible, discount, and endorsement options.

When receiving quotes, Allstate’s quote was considerably higher than the national average, but this may be attributed to the location. Texas is highly susceptible to natural disasters, like hurricanes, which makes the home more risky to insure and will increase the premium.

Regarding customer service, both Geico and Allstate have 24/7 customer service, customer portals, mobile apps, and A+ ratings from the Better Business Bureau (BBB). Keep in mind that Geico gets its policies through underwriting companies, which means you may have to contact the underwriting company directly using their customer service channels when you need to file a claim or ask a policy question.

While Allstate is our recommended provider, we recommend getting quotes from multiple companies so you can find the best combination of coverage and cost available. Call 855-948-5219 or use our tool below to compare home insurance quotes from several different companies:

FAQs About Allstate and Geico Home Insurance

Does personal property coverage protect my valuable items?

In general, the cost of replacing valuable items like jewelry, artwork, and antiques will surpass the coverage cap for personal property coverage. This means you’ll have to buy an endorsement to protect those items. Most companies offer a jewelry, valuable personal property, or scheduled personal property endorsement.

How do I protect my belongings away from home?

The personal property portion of your home insurance policy automatically protects your personal belongings when you’re away from home. As long as the event that damages your items is listed as a covered peril, your insurance provider will pay to replace them.

What is the difference between actual cash value and replacement cash value?

These terms refer to the type of personal property coverage you have. An actual cash value (ACV) policy will replace your items based on their value today, while a replacement cash value (RCV) policy will replace the items based on their new value.

The default for homeowners insurance policies is usually ACV, however, when requesting a quote, you can specify that you want an RCV policy and it will be added to your policy at an additional cost.

What does it mean to “bundle” insurance policies?

Most insurance companies offer several insurance products and services. If you buy your home insurance policy from the same company that provides your auto insurance or another type of insurance, you’ll be bundling policies and will usually receive a discount when that happens.

To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.