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Allied Trust Home Insurance Review 2021

Allied Trust offers insurance products to Louisiana and Texas residents. If you’re looking for homeowners insurance in one of those states, read our comprehensive review of the company to determine if it’s right for you and your home protection needs.

Texas Home Adobe

Allied Trust Insurance Company is a relatively new home insurance provider that offers customizable and comprehensive home insurance to Louisiana and Texas homeowners. To help you decide if Allied is the best homeowners insurance company for you, read our in-depth review on coverage, cost, and customer service.

Pros and Cons of Allied Trust Home Insurance

Pros Cons
Pros Cons
Provides access to a variety of insurance products, including condo, renters, identity theft, flood, fire, and umbrella insurance Only available in Louisiana and Texas
Has a claims page that describes how the claims process works The monthly premium is double the national average
Offers customers the choice of 35% or 50% of dwelling for personal property coverage

Allied Trust Home Insurance Coverage

Here are a few of the covered events that Allied Trust covers:

  • Fire
  • Water damage
  • Theft
  • Other weather-related events, like wind and hail

In addition to these covered events, an Allied Trust policy includes the following areas of coverage:

  • Dwelling—When a covered event damages your home, your dwelling protection will kick in to cover the cost to rebuild your home with all of the same built-in elements, including features like your cabinetry, walls, foundation, and HVAC system.
  • Other structures—If detached structures on your property, like a fence or shed, are destroyed by a covered event, Allied Trust will pay to rebuild them.
  • Personal property—This protects your personal belongings in your home and on a trip.
  • Loss of use—If you have to leave your home during major repairs, your policy will cover additional living expenses during that time, like the cost of a hotel room.
  • Liability—This part of your policy will pay for medical bills and repair or replacement costs if you’re responsible for an event that causes bodily injury or property damage to another person.
  • Medical payments to others—If a guest is injured on your property, your policy will cover some of their medical bills.

Here are the coverage limitations for a home in Louisiana:

Available Coverage from Allied Trust Home Insurance

Type of Coverage Coverage Options
Type of Coverage Coverage Options
Dwelling 100% of rebuilding cost
Other structures 10% of dwelling
Personal property 35% or 50% of dwelling
Loss of use 20% of dwelling
Liability $300,000 or $500,000
Medical payments to others $5,000
Storm deductible 1% or 2% of dwelling
All other perils deductible $1,000 or $2,500

Note: These are the coverage options available through the agent we spoke to. To see if you have other options, contact a local Allied Trust agent.

Allied Trust Additional Coverage

You can add these optional coverage items to your policy at an additional cost:

  • Credit card fraud and forgery
  • Equipment breakdown
  • Identity theft resolution and expense
  • Lock replacement
  • Ordinance or law
  • Personal injury
  • Personal property replacement cost
  • Refrigerated property
  • Service line
  • Sewer backup

How Much Does Allied Trust Home Insurance Cost?

The national average for homeowners insurance is about $101 per month. To see how Allied Trust compares to that number, we contacted an insurance agent in Louisiana to get a quote.

Allied Trust Cost

Type of Coverage Amount of Coverage
Type of Coverage Amount of Coverage
Dwelling $355,000
Other structures $35,500
Personal property $177,500
Loss of use $71,000
Liability $500,000
Medical payments to others $5,000
Deductible $3,500 for storms, $1,000 for all other perils
Monthly cost $217

Discounts

The only discount Allied Trust advertises on its website is a bundling discount for purchasing more than one insurance policy from the company.

Customer Service and Claims Support

To contact the Allied Trust customer service department, call 844-200-2842 and select the department that matches your inquiry. The claims department is the only department that’s available after hours, while the remaining departments are available during normal business hours. If you would prefer to manage your policy or claim without talking to a customer service representative, you can log in to your customer portal on the Allied Trust website.

Allied Trust Home Insurance Reviews

Allied Trust has an A- rating from the Better Business Bureau (BBB). Because Allied Trust is so new and small, it was difficult to find customer reviews for the company. Here are a few customer complaints found on the Allied Trust Home Insurance BBB profile:

“[Allied Trust] refuses to refund my entire closing costs. They are withholding my money for a policy during dates when I did not even own the home...Although this ordeal could have been resolved a long time ago, Allied Trust has added unnecessary stress to my life. I would like to have my money refunded and an apology from Allied Trust.” on January 22, 2020

“A roof damage claim was submitted to Allied Trust Insurance on 09/28/2017. Insurance adjuster visited the property, took photographs, and submitted evidence of damage to the insurance company soon after. Via a letter dated 10/17/2017, Allied Insurance denied the claim, stating that there is no hail occurrence during the insurance policy period. An independent hail impact report shows two instances of hail occurrence during the policy period.” on November 7, 2017

Compare Allied Trust to the Competition

Provider Allied Trust Federated National Lemonade
Provider Allied Trust Federated National Lemonade
Our score 79.3 81.3 83.5
State availability 2* 1** 27***
BBB rating A- A+ B+
Years in business 5 36 5
24/7 claims service
Protective devices/safety features discount X
Mobile app X X

*Allied Trust is available in Louisiana and Texas

**Federated National is only available in Florida

***Lemonade is available in AZ, AR, CA, CO, CT, GA, IL, IN, IA, MD, MA, MI, MO, NV, NJ, NM, NY, OH, OK, OR, PA, RI, TN, TX, VA, WA, and WI

Our Conclusion

Allied Trust comes with the six main types of home insurance coverage, plus a long list of optional add-ons to customize your policy. However, the quote we received from Allied is double the national average, which is partially due to the single discount Allied Trust offers. Additionally, the company has only five years of experience, which is less than most national insurance providers.

If customer service and comprehensive coverage is your number one priority, Allied Trust may be a good option. However, if you live outside of Louisiana or Texas or want a more affordable policy, consider looking for another company. Enter your zipcode into the tool below to see what providers are available near you.

Company Information

  • Company name: Allied Trust Insurance Company
  • CEO: Brian Keefer
  • Years in business: 5
  • State availability: 2
  • Address: 4200 W Cypress Street, Suite 520
  • City/State: Tampa, FL
  • Zipcode: 33607
  • 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.

Frequently Asked Questions About Allied Trust

Are Allied Trust and Allied Insurance the same company?

No. Allied Insurance is a subsidiary of Nationwide, an insurance company that’s been around for over 90 years, while Allied Trust is a new insurance company that was founded five years ago.

How do I get a quote for Allied Trust home insurance?

Allied Trust sells its insurance policies through independent agents in Texas and Louisiana. If you’re already working with an independent agent, you can ask if he or she offers Allied Trust policies. If you’re not working with an agent, call the Allied Trust customer service line, and a customer service representative will help you find an agent in your area.

Does Allied Trust offer homeowners insurance for older homes?

Yes. However, if your house is older than 40 years old, you’ll be required to get an inspection of the interior and exterior of your home. If the inspector finds any issues, you’ll have to make the necessary fixes before your coverage begins.

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