While both State Farm and Allstate offer home insurance to homeowners across the country, the companies differ in terms of how much dwelling, other structures, personal property, additional living expenses, liability, and medical payments coverage they offer.

To learn about these differences, along with information about each company’s endorsements, pricing, discounts, and customer service, read our State Farm vs. Allstate home insurance review and find the best homeowners insurance carrier for you.

To get home insurance quotes in your area, call 855-948-5219 or follow the below link for your free quote:

State Farm vs. Allstate Home Insurance Comparison

ProviderState FarmAllstate
Other structures coverage limits*10% of dwelling10% of dwelling
Personal property coverage limits*50% of dwelling60% or 75% of dwelling
Monthly price**$122$302
Discounts available39
Unique add-onsEnergy efficiency upgrade, service lineMusical instruments, yard, and garden
Customer serviceHours vary by department24/7
BBB ratingA+A+

*State Farm coverage information according to The Zebra

**Based on sample quotes our team received


State Farm vs. Allstate Home Insurance Coverage Comparison

State Farm and Allstate include liability, medical payments to others, dwelling, other structures, personal property, and loss of use coverage in their home insurance policies, and both offer a variety of endorsements or additional coverage options.

State Farm Coverage

State Farm calculates the rebuilding cost of your home and uses that number for dwelling coverage and a percentage of that number for other structures, personal property, and loss of use coverage.

Type of CoverageCoverage Options
Other structures10% of dwelling
Personal property50% of dwelling
Loss of use20% of dwelling

Note: These figures are based on a sample quote our team received from State Farm. To compare your coverage options and determine your liability, medical payments to others, and deductible amounts, contact your local State Farm agent.

To make your State Farm coverage more comprehensive, consider adding on one or more of the following endorsements:

  • Service line
  • Earthquake
  • Full replacement cost
  • Energy efficiency upgrade
  • Water backup and sump pump overflow
  • Personal injury
  • Cyber event, identity restoration, and fraud loss
  • Home systems protection
  • Off-premises structures
  • Adult daycare
  • Depreciated loss

Allstate Coverage

Allstate also uses the rebuilding cost of your home to determine dwelling, other structures, personal property, and loss of use coverage. The company splits its deductible up by peril, which means you pay the deductible that matches the event that caused the damage. Below are the coverage amounts for the deductibles, along with other types of coverage.

Type of CoverageCoverage Options
Other structures10% of dwelling
Personal property60% or 75% of dwelling
Loss of use20% 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 deductible2%, 3%, or 5% of dwelling
All other perils deductible$2,500, $5,000, 1% of dwelling, or 2% of dwelling

Here’s a list of Allstate endorsement options:

  • Roof surfaces 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

 

State Farm vs. Allstate Home Insurance Cost Comparison

Your insurance premiums may be lower or higher depending on your personal information, home characteristics, where you live, and insurance provider. We requested quotes from State Farm and Allstate to see how those two companies compared to the industry average.

State Farm Cost*

After determining the rebuilding cost of the home used during the quote process to be $250,000, State Farm used a percentage of that for other structures, personal property, and loss of use coverage. We chose $300,000 for liability and $1,000 for medical payments and deductibles because that’s what a standard homeowners insurance policy comes with.

Type of CoverageAmount of Coverage
Dwelling$250,000
Other structures$25,000
Personal property$125,000
Loss of use$50,000
Liability$300,000
Medical payments to others$1,000 per person
Deductible$1,000
Monthly cost$122

*Quote and pricing information according to The Zebra

State Farm offers three discounts to lower your monthly premium:

  • Roofing
  • Home alert protection
  • Multiple lines

Allstate Cost

Allstate calculates coverage amounts in the same way that State Farm does, using the rebuilding cost of the home to decide dwelling, other structures, personal property, and loss of use coverage.

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 provides the following discounts to help you save money:

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

In select states, Allstate offers smaller discounts to homeowners, including one for being a non-smoker.


Our Conclusion

After reviewing State Farm and Allstate, the This Old House Reviews Team found that Allstate is better for comprehensive coverage and State Farm is better for affordable coverage.

While $300 is a hefty price to pay for Allstate homeowners insurance, it comes with a variety of perks. You have more personal property and deductible options, you can customize your coverage from a list of 12 endorsements, you can lower your premium with discounts, and you have access to a 24/7 customer service center.

On the other hand, State Farm offers a policy that’s more affordable than Allstate and provides you with a similar number of endorsements.

The biggest drawback of State Farm is its quote process. You have to talk to a local agent to receive a quote, even if you’ve already started the quote process on the State Farm website. Not only does this add time to the quote process, but it also makes it difficult to compare all of your coverage and pricing options in one streamlined view.

Before choosing a home insurance provider, we recommend calling 855-948-5219 or using the zip code tool below to get insurance quotes from both companies so you can determine which one is best for your home protection needs.

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