Allstate Home Insurance Review 2024

Allstate sold its first insurance policy in 1931. Allstate’s residential fire insurance policy, the precursor to today’s homeowners insurance, was introduced in 1954. Today, Allstate is the second-largest homeowners insurance company in the United States. The company is based in Northbrook, Illinois.

Allstate’s home insurance includes the standard types of coverage you’d want in a homeowners policy.

Type of coverage	What it does
Dwelling coverage	Covers damage to your house and its structure.
Other structures coverage	Covers damage to structures such as detached garages and fences.
Personal property coverage	Covers damage or theft of your belongings, such as furniture, electronics and clothes.
Liability insurance coverage	Covers accidental property damage and injuries you cause to others. It also pays for your legal defense if you are sued because of an accident.
Additional living expenses	Covers your extra costs when you can’t live at home because of damage covered by the policy (such as a fire). Hotel bills and restaurant meals are two extra expenses that can be reimbursed.
Medical payments to others	Covers small medical bills when someone blames you for their injuries because of your accidental actions (or someone in your household) or your pet’s. Coverage is usually $1,000 to $5,000 and can be paid without determining fault.

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There are several types of home-related coverage sold by Allstate including condo, renters, landlord and vacation home coverage. If you aren’t finding the coverage types you need, take a look at our list of the best home insurance companies.

Allstate offers a number of optional, add-on coverage types for home insurance customers:

• Electronic data recovery. Covers the cost of recovering lost computer data, including photos and videos.
  Green improvement reimbursement. Pays the cost of replacing damaged home appliances with more energy efficient appliances.
• Identity theft restoration. Covers your lost wages, legal fees and other expenses when your identity is stolen and you have to fix the problem.
• Musical instruments. Expanded insurance for valuable musical instruments.
• Scheduled personal property. This is a way to fully insure valuable items such as expensive jewelry, separate from your personal property coverage
• Sports equipment. Extra coverage for expensive sports equipment, such as ski equipment.
• Water backup. If a drain backs up or your sump pump breaks, water backup insurance pays to repair the damage.
• Yard and garden. Expanded coverage for damage beyond the standard home insurance limits if you have expensive trees, shrubs and other landscaping.

In addition, an umbrella insurance policy can be added to an Allstate homeowners and/or auto insurance policy for an extra layer of liability insurance.

Allstate home insurance doesn’t cover everything. Similar to other home insurers, Allstate doesn’t cover:

• Damage connected to your negligence or lack of maintenance.
• Earthquakes.
• Floods.
• Governmental action like seizure of property.
• Intentional damage by you.
• Nuclear hazard.
• Ordinance or law, such as if a government requires you to demolish, rebuild, renovate or repair your home.
• Power failure that happens off the property.
• War.

Our analysis found that Allstate home insurance costs an average of $116 a month ($1,395 annually) for a policy with $350,000 in dwelling coverage, which is about $300 less than the national average.

Dwelling coverage plays an important role in determining the cost of home insurance. Allstate home insurance costs:

• $88 a month or $1,055 annually for $200,000 in dwelling coverage.
• $149 a month or $1,784 annually for $500,000 in dwelling coverage.
• $206 a month or $2,427 annually for $750,000 in dwelling coverage.

All of those averages for Allstate are below the national average.

Home insurance costs will vary depending on several factors, such as:

• Where you live.
• The cost to rebuild the house.
• The materials that make up your house, like wood, stone, stucco and brick.
• How close you are to a fire department and water source.
• The claims history in your area, such as wildfires and crime rates.
• Your personal claims history.
• How much coverage you choose.
• Your credit (if allowed in your state as a pricing factor).

Allstate has competitive homeowners insurance rates compared to some other top competitors analyzed by Forbes Advisor.

Company	Average home insurance cost per year for dwelling coverage of $350,000
Progressive	$729
Nationwide	$1,157
Erie	$1,256
USAA*	$1,270
State Farm	$1,298
Westfield	$1,344
Allstate	$1,395
Auto-Owners	$1,525
Chubb	$1,810
American Family	$2,020
Farmers	$2,035
Country Financial	$2,065
Shelter	$2,363
Travelers	$3,220
Average	$1,678

Source: Quadrant Information Services. *USAA is available only to veterans, military members and their families.

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Discounts are a great way to save money. Here are Allstate’s homeowners insurance discounts:

• Bundling. Buy both your home and auto insurance policies from Allstate and you can save up to 25%.
• Claims-free discount. Allstate offers a lower rate if you don’t have recent claims and switch to the insurer.
• Early signing discount. When you sign up for a new policy at least seven days before your current policy expires, you’re eligible for a discount of up to 10%.
• Easy pay plan discount. Up to 5% off when you sign up for automatic payments for your home insurance bill.
• Home buyer discount. If you bought a home recently, you’re eligible for a discount.
• Protective device discount. A price break for having a theft or fire protection device.
• Responsible payment and pay-in-full discounts. If you pay your home insurance bill on time, you’ll get a discount for being a responsible payer. You also are eligible for a discount if you pay for your policy in full rather than in installments.
• Welcome and loyalty discount. If you switch to Allstate you can save up to 10% on your home insurance premium. The discount continues for as long as you remain a customer.

You can buy home insurance from Allstate by contacting the company or speaking with an Allstate agent.

You can also go to Allstate’s website and request a quote. You can get quotes for other Allstate policies, including car insurance, on the site.

It’s good to figure out how much coverage you wants before requesting a quote.

You can file an Allstate claim by logging into your Allstate account. The company will want information like:

• Date of damage.
• Information about the event.
• List of what’s damaged.
• Photos of damage.
• Weather conditions if they played a part in the damage.

After you file a claim, Allstate will generally send a claims adjuster to check out the damage and provide an estimate. Once you agree to the claim amount, you can choose a professional from the Allstate Good Hands Repair Network to perform the work and the insurer will work directly with the person. Or you can hire someone outside of the network.

Depending on who you choose to perform the repairs, Allstate will either send you a claims check to pay the person or the company will pay the professional directly.

Allstate offers competitive rates, but where does it stand overall against competitors?

Allstate vs. Nationwide Homeowners Insurance

	Allstate	Nationwide
Forbes Advisor rating	3.2 stars	4.6 stars
Availability	All 50 states and Washington, D.C.	43 states and Washington, D.C.
Average monthly home insurance cost	$1,395	$1,157
Home insurance complaint level	Very low	Low
Multi-policy discount?	Yes	Yes
Offers extended replacement cost coverage?	No	Yes
Offers guaranteed replacement cost coverage?	No	Yes
Banned dog breed list?	No	No
	Compare Rates	Compare Rates

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Allstate vs. USAA Homeowners Insurance

	Allstate	USAA*
Forbes Advisor rating	3.2 stars	4.8 stars
Availability	All 50 states and Washington, D.C.	All 50 states and Washington, D.C.
Average monthly home insurance cost	$1,395	$1,270
Home insurance complaint level	Very low	Very low
Multi-policy discount?	Yes	Yes
Offers extended replacement cost coverage?	No	Yes
Offers guaranteed replacement cost coverage?	No	No
Banned dog breed list?	No	No
	Compare Rates	Compare Rates

*USAA home insurance is available only to active military, veterans and their families.

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Allstate vs. State Farm Homeowners Insurance

	Allstate	State Farm
Forbes Advisor rating	3.2 stars	4.8 stars
Availability	All 50 states and Washington, D.C.	All 50 states and Washington, D.C.
Average monthly home insurance cost	$1,395	$1,298
Home insurance complaint level	Very low	Very low
Multi-policy discount?	Yes	Yes
Offers extended replacement cost coverage?	No	Yes
Offers guaranteed replacement cost coverage?	No	No
Banned dog breed list?	No	No
	Compare Rates	Compare Rates

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Compare Insurers vs. Allstate

1

Allstate

Average annual home insurance cost

$1,395

Average annual home insurance cost

$116

Complaints

Very low

1

Allstate

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2

Nationwide

Average cost for $350,000 of coverage

$1,157 yearly/$96 monthly

Complaints

Low

2

Nationwide

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3

USAA

Average cost for $350,000 of coverage

$1,270 yearly/$106 monthly

Complaints

Very low

3

USAA

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4

State Farm

Average cost for $350,000 of coverage

$1,298 yearly/$108 monthly

Complaints

Very low

4

State Farm

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Allstate home insurance has a higher than average complaint level, which can reflect an issue with customer satisfaction.

Allstate has excellent average home insurance costs that are well below national average for some coverage levels, based on the insurers in our analysis. Still, it’s smart to get quotes from several companies to see who can provide a good deal to you.

The company also offers many types of home insurance discounts, so you could potentially save even more.

Allstate has great home insurance rates but you may still find cheaper coverage from competitors like Progressive, Nationwide or Erie.

Also consider that Allstate doesn’t offer guaranteed or extended replacement cost coverage. These kinds of coverage can increase your dwelling coverage if the cost to rebuild your house is more than your dwelling coverage limit. It’s valuable coverage to have if construction costs spike in your area, especially after a widespread disaster.

Allstate offers home insurance in every state, but it’s still wise to get home insurance quotes from multiple companies. Here are other home insurance companies to check out.

• American Family
• Auto-Owners
• Chubb
• Country Financial
• Erie
• Farmers
• Nationwide
• Progressive
• State Farm
• Travelers
• USAA
• Westfield

To find the best home insurance we scored companies based on these factors:

• Home insurance rates (50% of score): Based on average rates for each insurance company for homes with dwelling coverage of $200,000, $350,000, $500,000 and $750,000. Source: Quadrant Information Services.
• Complaints (20% weight): Based on complaints about home insurance that were upheld by state insurance departments. Source: National Association of Insurance Commissioners.
• Availability of extended and/or guaranteed replacement cost coverage (20% of score): Extra dwelling coverage is valuable in the event of large disasters, when construction materials and labor costs tend to spike. We gave points to companies that offer either extended or guaranteed replacement cost coverage. Source: Forbes Advisor research.
• Banned dog lists (10% of score): Banned dog breed lists can make homeowners ineligible for coverage. (A company’s banned dog list might not be applicable in all states.) While any homeowners insurance company could potentially ban any dog with a biting history, not all put a ban on specific breeds. Source: Forbes Advisor research.