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 |
|---|---|---|
| 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
| 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
| 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
| 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
| 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:
Frequently Asked Questions
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