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All of your assets are worth protecting. When it comes to your home, you have to be confident in its protection. Purchasing a comprehensive home insurance policy to safeguard it in the event of burglary or disasters can help you rest easy at night.
But how do you choose the best homeowners insurance company for you? The This Old House Reviews Team has created this in-depth Allstate home insurance review, evaluating the provider’s coverage, availability, costs, and more, to help you determine if it’s the best fit for your needs.
Table of Contents
• Our Take on Allstate Home Insurance• Pros & Cons
• Coverage
• Availability
• Cost
• Discounts
• Customer Reviews
• FAQs
• Company Information
Our Take on Allstate Home Insurance
Allstate is the second-largest home insurance company in the country, offering both extensive, industry-standard coverage and a variety of significant add-on options, along with many opportunities for discounts.
Coverage is available nationwide, and quotes are easy to obtain using convenient online tools. We give Allstate an overall score of 98.10 based on metrics like coverage, availability, customer service, and more.
However, the prices for Allstate home insurance are slightly higher than its competitors, meaning that it's possible customers could get similar coverage for a lower rate with another company.
On Allstate’s Better Business Bureau profile, common complaints involve claim denials. In reviews, some customers noted the claims process was difficult, while others stated it was smooth.
Pros & Cons
Compare the advantages and disadvantages of Allstate home insurance.
Allstate Home Insurance Pros & Cons
| Pros | Cons |
|---|---|
| Pros | Cons |
| Available nationwide | Higher prices than average |
| Second-largest home insurance company in the country | |
| Extensive supplemental coverage and add-ons to help fine-tune policies |
Allstate Home Insurance Coverage
Allstate offers all the types of industry-standard coverage alongside a range of additional coverage add-ons to help supplement your homeowners insurance policy.
What’s Covered with Allstate Home Insurance
| Type | Description |
|---|---|
| Type | Description |
| Dwelling + other structures | This covers the cost of repairing or replacing the home’s interior and exterior, in addition to any other structures on the property, such as a shed or fence. Dwelling coverage limits usually amount to the total appraised value of the house. |
| Personal property | This covers the replacement of personal possessions, including clothing, electronics, and furniture. Personal property coverage limits with Allstate are typically around 75% of the dwelling amount listed in the policy. |
| Personal liability | This covers attorney fees, court fees, and any damages resulting from someone being injured on your property. The limits for liability coverage are customizable with a few options that usually fall between $100,000 and $1 million. |
| Loss of use/additional living expenses | This protection covers living expenses, such as dining and accommodations, if your home is temporarily uninhabitable due to covered damages or destruction. Coverage for this category is typically anywhere from 10%–30% of your dwelling coverage limit. |
| Medical payments to guests | This covers the medical expenses if someone is injured in your home. The maximum coverage for this type of protection is usually somewhere between $1,000 and $10,000 per person, depending on your selection. |
In addition, Allstate offers a wide range of supplemental coverage to help you fine-tune and customize your policy to your specific needs.
Allstate Supplemental Coverage
| Type | Description |
|---|---|
| Type | Description |
| Personal umbrella policy | Increases limits of personal liability coverage and adds coverage for lost wages and legal fees |
| Earthquake | Covers repairs or replacement of your home after an earthquake |
| Flood | Covers repair or replacement of your home in the event of a flood (required for homeowners in certain locations) |
| Water backup | Covers water damage caused by clogged drains or sump pump failure |
| Scheduled personal property | Covers valuable personal belongings, including jewelry, antiques, and more |
| Business property | Covers computers and other home office equipment or equipment from a small business run out of the home |
| Sports equipment | Covers golf clubs, skis, bicycles, and other sports equipment |
| Identity theft protection | Covers legal fees and others costs associated with identity theft or fraud |
| Green improvement reimbursement | Increases coverage to upgrade appliances with more energy-efficient uses after a loss |
| Electronic data recovery | Covers costs from recovering lost computer data |
| Yard and garden | Covers trees, landscaping, and ornamental plannings, or adds coverage for lawn equipment |
| Musical instruments | Covers valuable musical instruments |
Allstate Home Insurance State Availability
Allstate is one of the most widely available home insurance providers, offering policies in all 50 states.
However, the online quote tool may not be available in some states, but you can always reach out to a representative or a local agent to get an estimate.
How Much Does Allstate Home Insurance Cost?
The exact cost of Allstate homeowners insurance depends on a variety of factors, including your property value, size, and the materials it was constructed with, where you live, the coverage limits you select, the insurance deductible you choose, and more.
We requested a quote for a single-family home in Houston, Texas of roughly 2,200 square feet.
Its monthly cost of $302 is significantly higher than the national average of $101, according to the Insurance Information Institute.
Allstate Cost
| 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 |
Allstate Home Insurance Discounts
Allstate offers a variety of discounts to help reduce the cost of your home insurance coverage. Here are a few examples of common savings opportunities you may qualify for:
- Multi-policy: This discount is for bundling home insurance with other Allstate insurance policies and is perfect for homeowners who already have a car insurance policy with Allstate.
- Early-signing: This is a discount for new customers who sign up for a policy at least one week before their existing policy expires. This is great for homeowners looking to change providers and those who want to shop ahead of time for their next home insurance policy.
- Home alarm: This discount allows homeowners to save money if they have safety features, such as monitored burglar or fire alarms, installed in their home.
- Roof: Allstate provides this discount for homeowners who have weather-resistant roofs or roofs that have extra protective features against harsh conditions such as hail, sleet, or snow.
- Smoke-free: Allstate rewards homeowners who don’t smoke, since smoking indoors can be dangerous.
- Storm shutter: Installing storm shutters is a great way to lower your premiums if your home is located near the coast or is in an area with a higher risk of storms, since shutters help protect your home from damaging winds.
- Homebuyer: This discount is for customers with newly constructed homes or customers who recently purchased their home and is ideal for those shopping for a policy on their new house.
- Easy Pay Plan: If you sign up for automatic premium payments, you’ll receive a discount on your premiums. This discount is a great way to save extra, help ensure you make payments on-time, and avoid any late payment penalties.
- Age 55 and retired: This discount is for qualifying older people in retirement.
- Welcome and loyalty: Customers who switch to Allstate will receive this discount. It remains in effect for every year the homeowner stays with Allstate and renews their policy.
Customer Reviews of Allstate Insurance
Allstate is not accredited by the Better Business Bureau, but the company does hold an A+ rating from the organization. However, customers on the site have given Allstate just over 1 out of 5 stars. Here’s what some people had to say about their experience with Allstate Insurance.
Marissa G. said:
“We have always had a good experience with Allstate. Only had to file one claim in the past 10 years or so but it was fixed and paid for. Staff have been friendly and no complaints!”
Megan said:
“We filed a claim after a reputable roofing company inspected our roof and found heavy wind damage, after we had damage to two rooms in our home, and believed, because our roof was 15 years old, that it needed to be completely replaced. Allstate thought differently and won’t even pay for the repairs to the inside of our home, although one of the two rooms had significant damage to the ceiling. Have done business with them for well over a decade, but will be taking our business somewhere else! Very disappointed in Allstate throughout this entire process! Don’t recommend AT ALL!!”
Our Conclusion
Allstate is the second-largest home insurance company in the U.S., offering a wide variety of coverage and many different discount opportunities nationwide.
All of the standard industry coverage is included, as well as significant supplemental coverage for energy efficiency, musical instruments, sports equipment, and more.
However, Allstate’s prices for its homeowners insurance policies are more expensive than some of the company’s competitors. Budget-conscious home insurance shoppers may want to sign up for a policy elsewhere.
We give Allstate an overall score of 98.10 out of 100.
Allstate vs. Other Home Insurance Companies
| Provider | Allstate | Lemonade | Amica® |
|---|---|---|---|
| Provider | Allstate | Lemonade | Amica® |
| Our score | 98.10 | 83.50 | 96.60 |
| Get a free quote | Not available through This Old House | lemonade.com | Not available through This Old House |
| State Availability | 50 | 23* | 47 (not available in AK, FL or HI) |
| BBB Rating | A+ | B+ | A+ |
| Years in Business | 89 | 5 | 113 |
| 24/7 Claims Service | ✓ | ✓ | ✓ |
| Protective Devices/Safety Features Discount | ✓ | ✓ | ✓ |
| Bundling Discount | ✓ | ✓ | ✓ |
| Mobile App | ✓ | ✓ | ✓ |
*Lemonade home insurance is available in AZ, CA, CO, DC, CT, GA, IL, IN, IA, MD, MA, MI, MO, NV, NJ, NY, OH, OK, OR, PA, TN, TX, VA, WI
For more in-depth comparisons, refer to the following resources:
- Allstate vs Progressive Home Insurance
- Allstate vs State Farm Home Insurance
- Allstate vs Geico Home Insurance
Allstate Home Insurance FAQs
What is covered by Allstate home insurance?
Allstate homeowners insurance includes all basic coverage—dwelling, personal property, personal liability, additional living expenses, and medical payments to guests. Significant supplemental coverage is also available, ranging from flood to yard and lawn protection.
What does Allstate home insurance not cover?
Like most home insurance providers, Allstate does not cover fire or earthquake damage in its basic policies. However, both are available as supplemental coverage.
Is Allstate a good home insurance company?
Allstate is one of the best home insurance companies we analyzed because it offers a significant range of coverage and discounts nationwide. Its list of possible discounts and endorsements are quite extensive, and among the longest of the companies we’ve analyzed. However, its prices are higher than some of its competitors.
How Much is Allstate insurance?
According to our sample quote for a 2,200-square-foot, single-family home in Houston, Texas, Allstate costs $302 per month.
Company Information
- Company name: Allstate
- Company type: Public
- CEO: Thomas J. Wilson
- Year founded: 1931
- Headquarters: 775 Sanders Rd, Northbrook, IL 60062
- State availability: 50
- BBB rating: A+
Our Methodology
The This Old House Reviews Team values accuracy, transparency, and trust. With that in mind, we created a thorough, objective rating system to score each home insurance company based on the following six factors:
- Coverage (30)
- State availability (7.5)
- Customer service (15)
- Technology (12.5)
- Reputation (20)
- Additional benefits (15)
Our Reviews Team has a full-time researcher who collects and regularly updates data points from every company to help us compare them on key factors such as coverage, service, and dependability. Read more on our methodology here.
To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.