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 free home insurance quotes in your area, call 855-948-5219 or use the tool below:
Allstate vs. State Farm Home Insurance Comparison
| Provider | State Farm | Allstate |
|---|---|---|
| Other structures coverage limits* | 10% of dwelling | 10% of dwelling |
| Personal property coverage limits* | 50% of dwelling | 60% or 75% of dwelling |
| Monthly price** | $122 | $302 |
| Discounts available | 3 | 9 |
| Unique add-ons | Energy efficiency upgrade, service line | Musical instruments, yard, and garden |
| Customer service | Hours vary by department | 24/7 |
| BBB rating | A+ | 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 Coverage | Coverage Options |
|---|---|
| Other structures | 10% of dwelling |
| Personal property | 50% of dwelling |
| Loss of use | 20% 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 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 |
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 Coverage | Amount 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 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 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.
Frequently Asked Questions
Our Rating Methodology
The This Old House Reviews 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 ratings.
- Additional benefits (15): Companies that offered optional features, like discounts and endorsements, scored higher than competitors that didn’t.
The This Old House 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.
Ratings listed in this article are accurate as of October 2022.