In This Review: Our Take | Pros and ConsCost and Discounts | Coverage | Availability | Customer Reviews | Conclusion | Comparison | Company Information | FAQs | Methodology

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.

To get home insurance quotes from multiple companies in your area, call 855-948-5219 or click on the link below:

Compare Homeowners Insurance Policies
Answer a few simple questions and we'll take care of the rest.

 


 

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 and Cons

Compare the advantages and disadvantages of Allstate home insurance.

Pros Available nationwide Second-largest home insurance company in the country Extensive supplemental coverage and add-ons to help fine-tune policies
Cons Higher prices than average

 


 

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 CoverageAmount 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.

 


 

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

TypeDescription
Dwelling + other structuresThis 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 propertyThis 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 liabilityThis 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 expensesThis 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 guestsThis 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

TypeDescription
Personal umbrella policyIncreases limits of personal liability coverage and adds coverage for lost wages and legal fees
EarthquakeCovers repairs or replacement of your home after an earthquake
FloodCovers repair or replacement of your home in the event of a flood (required for homeowners in certain locations)
Water backupCovers water damage caused by clogged drains or sump pump failure
Scheduled personal propertyCovers valuable personal belongings, including jewelry, antiques, and more
Business propertyCovers computers and other home office equipment or equipment from a small business run out of the home
Sports equipmentCovers golf clubs, skis, bicycles, and other sports equipment
Identity theft protectionCovers legal fees and others costs associated with identity theft or fraud
Green improvement reimbursementIncreases coverage to upgrade appliances with more energy-efficient uses after a loss
Electronic data recoveryCovers costs from recovering lost computer data
Yard and gardenCovers trees, landscaping, and ornamental plannings, or adds coverage for lawn equipment
Musical instrumentsCovers 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.

Alabama | Alaska | Arizona | Arkansas | California | Colorado | Connecticut | Delaware | Florida | Georgia | Hawaii | Idaho | Illinois | Indiana | Iowa | Kansas | Kentucky | Louisiana | Maine | Maryland | Massachusetts | Michigan | Minnesota | Mississippi | Missouri | Montana | Nebraska | Nevada | New Hampshire | New Jersey | New Mexico | New York | North Carolina | North Dakota | Ohio | Oklahoma | Oregon | Pennsylvania | Rhode Island | South Carolina | South Dakota | Tennessee | Texas | Utah | Vermont | Virginia | Washington | West Virginia | Wisconsin | Wyoming

 


 

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.

Our recommendation for any homeowner is to get quotes from multiple home insurance companies that service your area so you can find the provider that is right for you. To get free quotes from providers near you, call 855-948-5219 or enter your zip code in the tool below:

Compare Homeowners Insurance Policies
Answer a few simple questions and we'll take care of the rest.

 


 

Allstate vs. The Competition

See how Allstate compares to other homeowners insurance providers:

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:

 


 

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+

 


 

Allstate Home Insurance FAQs

 


 

Our Methodology

The This Old HouseReviews team is committed to providing comprehensive and unbiased reviews to our readers. This means earning your trust through transparency and having the data to back up our ratings and recommendations.

With that in mind, we created an objective rating system to score each home insurance company. Here’s what that review process looked like:

  • We analyze the information on each company’s website. This allows us to determine what products and services are offered by each home insurance provider.
  • We get a sample quote from the companies by either talking to a sales representative or by using the online quote tool. This tells us what a policy looks like and costs.
  • We test customer service by talking to a company representative, finding out their hours of operation, and determining what technological features are available for customers.
  • We update all of this information on a continuous basis, storing it in a proprietary database that allows us to compare dozens of home insurance companies against each other.

With this data, we created a rating methodology to score each home insurance company. Our rating system is a weighted, 100-point scale based on the following factors:

  • Coverage (30): We rated home insurance companies higher if they offered the six main types of homeowner protection—dwelling, other structures, personal property, loss of use, liability, and medical payments to others coverage.
  • State availability (7.5): Companies scored higher if they covered more states than their competitors.
  • Customer service (15): This factor is based on our communications with the company representatives, as well as the companies’ claims and quotes processes, availability throughout the week, and customer service information found on their websites.
  • Technology (12.5): Technology can increase the efficiency of filing and tracking home insurance claims. Companies scored higher if they had technology options like mobile apps and online chat functions.
  • Reputation (20): We gauged trustworthiness based on years of experience and Better Business Bureau (BBB) ratings.
  • Additional benefits (15): Companies that offered optional features, like discounts and endorsements, scored higher than competitors that didn’t.

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.

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