Allstate Homeowners Insurance Review
Editor's Rating
Allstate is one of the largest insurance companies in the U.S., and its home insurance policies are generally a better deal than its car insurance policies.
Allstate home insurance is a good choice if you want a wide variety of options, ranging from flood insurance to coverage for your Airbnb. However, Allstate's mixed reviews mean that those looking for top-notch customer service may be happier with another company.
Note for California homeowners: Allstate has temporarily stopped offering home insurance in California as of May 2023.
Allstate home insurance quote comparison
Allstate home insurance is cheaper than average, costing $1,369 per year.
Allstate's home insurance policies cost 13% less than the average cost of home insurance from the largest companies. That's a typical savings of $197 per year.
Find Cheap Homeowners Insurance Quotes in Your Area
Allstate isn't the cheapest overall company for home insurance. State Farm and Erie have the lowest prices, on average.
However, Allstate home insurance is often a better deal than Allstate car insurance, which is usually more expensive than other options.
Comparing the average cost of Allstate home insurance
Company | Annual rate |
|---|---|
| Erie | $1,244 |
| State Farm | $1,363 |
| Allstate | $1,369 |
| Nationwide | $1,390 |
| Farmers | $1,475 |
Allstate quotes are available online or through a network of local insurance agents.
Keep in mind that Allstate home insurance isn't a good deal in all states. An Allstate policy costs at least 40% more than average in states such as Arkansas, Oklahoma and Wyoming.
In other states, it can be a very good deal, and Allstate is the cheapest home insurance company in California, Connecticut, Missouri and South Carolina.
States where Allstate home insurance is cheaper than average
Allstate discounts on homeowners insurance
Allstate has a wide range of home insurance discounts that could reduce your rates by hundreds of dollars.
In particular, you can save up to 20% when you switch to Allstate without having a recent home insurance claim, and you can save up to 25% when you bundle Allstate home and auto insurance policies.
However, keep in mind that that's the most each discount could save you. For example, even though bundling could save you up to 25%, shoppers typically save an average of 18% with a bundling discount, which comes out to $246 per year.
Discount | Details |
|---|---|
| Multipolicy discount | Up to 25% off if you bundle home and car insurance |
| Claim-free discount | Up to 20% off if you switch to Allstate without a recent home insurance claim |
| Welcome discount | Up to 10% off for switching to Allstate |
| Loyalty discount | Up to 10% off for renewing your policy |
| Automatic payments | Up to 5% when you use autopay |
Because both rates and discounts can vary, comparing personalized quotes for home insurance is the best way to find out which company is the cheapest for you.
Savings with the Allstate Enhanced Package
The Allstate Enhanced Package is an optional program that could reduce what you pay in the future and locks in your rates even if you file a claim. You have to pay to enroll, but it can help you save in the long run.
Discount | Details |
|---|---|
| Claim RateGuard | Prevents increases to your home insurance rates after filing a claim |
| Claim-free bonus | Get a 5% discount each year you renew without having a claim |
| Deductible rewards | Lowers your deductible by $100 the first year, and an additional $100 each year you don't have a claim, up to $500 |
Paying for the package may be worth it if you expect the savings will be more than the enrollment cost.
Allstate's discounts are not available in every state. Additionally, policyholders must add the Enhanced Package to their policy within 60 days to receive the $100 deductible reward when they renew.
Allstate home insurance coverage
Allstate has an impressive range of home insurance coverage options and add-ons.
Extra coverages can help you tailor your home policy to your needs. For example, if you use your home for Airbnb or other short-term rentals, you can use Allstate's HostAdvantage option for additional protection against theft and damage.
Another example is Allstate's identity protection, which provides robust coverage beyond what's typically available. It includes identity monitoring, information about your digital footprint, identity restoration and identity theft reimbursement of up to $1 million.
Allstate home insurance coverage options
- Business property
- Electronic data recovery
- High-value belongings
- Green improvement reimbursement
- Identity protection
- Musical instruments
- Short-term rental insurance
- Sports equipment
- Water backup
- Yard and garden
Plus, Allstate offers the standard homeowners insurance coverages that other insurers do: dwelling, personal property, liability and additional living expenses, as well as medical protection coverage.
Another benefit of Allstate is its library of free digital tools that help homeowners better understand how insurance works. This is especially helpful information for first-time homebuyers who are required by their mortgage lender to purchase insurance. Anyone can use these tools, not just policyholders, and they provide shoppers with valuable information about their home insurance costs and risks.
For example, the Common and Costly Claims tool allows you to search your ZIP code to see the claims made most frequently to help you prepare for those risks.
Optional replacement cost coverage
Allstate also lets you upgrade from actual cash value coverage to replacement cost coverage. This means that you'll be covered for a similar new item, rather than for what your existing item is worth.
For example, instead of covering a 7-year-old fridge at its current value after aging and depreciation, Allstate will pay for a new refrigerator that's of similar type and quality. This type of home insurance upgrade can be worth it if you're concerned about rising costs during inflation.
However, Allstate doesn't offer extended replacement coverage, which would give you an extra cushion on top of the replacement value.
Other insurance policies available from Allstate
Allstate is one of the largest insurance companies in the U.S., which means you can get a variety of types of insurance, from earthquake insurance to pet insurance.
- Boat
- Business
- Condo
- Earthquake
- Event
- Flood
- Identity
- Landlord
- Life
- Motorcycle
- Motor home
- Off-road
- Pet
- Phone protection
- Renters
- Umbrella liability
- Voluntary employee benefits
Allstate home insurance reviews and ratings
Allstate home insurance has mixed customer reviews.
It has below-average customer satisfaction according to J.D. Power's survey of policyholders. However, Allstate home insurance received about half as many complaints as is typical for an insurance company of its size, according to the National Association of Insurance Commissioners (NAIC).
A key factor is that Allstate home insurance is sold through local insurance agents. Even when you buy a policy online, your local agent will help you with questions about your policy, getting discounts or filing a claim.
In many cases, this is an advantage because you can avoid large call centers and get more personalized service from someone local. However, it can also mean that your experience with Allstate can vary based on where you live.
Allstate does have good reviews for its digital tools. The main Allstate app has 4.8 out of five stars among iOS users and 3.9 out of five stars among Android users, as of this writing. However, Allstate's other apps are not rated as highly.
Allstate's rating of A+ from AM Best indicates that it has a strong ability to pay insurance claims and meet its financial obligations.
Filing a claim with Allstate
If you purchased an insurance policy through an Allstate agent, that agent should be the first person you call when filing a homeowners insurance claim. They will give you instructions and be able to answer any questions you might have.
If you purchased an Allstate policy through an independent broker, you can file a claim through the Allstate website or by calling Allstate's claims division.
- Allstate customer service: 1-800-ALLSTATE (1-800-255-78283)
- Allstate claims department: 1-800-255-7828
You'll usually need photos of the damage, details about the incident and contact information for contractors who are already involved. The type of claim will determine if an adjuster comes to your home to estimate the damage.
Frequently asked questions
Is Allstate a good choice for home insurance?
Allstate is a solid choice for home insurance. Its rates are 13% cheaper than other major companies, with an average of $1,369 per year. There are also a variety of coverage add-ons available. However, Allstate's customer satisfaction is mixed, and its reviews are not as strong as the highest-rated home insurance companies such as State Farm or Erie.
Does Allstate insure homes in Florida?
Allstate does offer homeowners insurance in Florida through its subsidiary Castle Key Insurance. Florida residents should be cautious because Castle Key has a high rate of customer complaints — 2 ½ times as many as a typical insurer of its size. It also has a B+ from AM Best, indicating a "good" but not "excellent" or "superior" ability to cover claims. The best home insurance in Florida is from State Farm, Tower Hill and Florida Peninsula.
Does Allstate homeowners insurance cover mold?
Allstate home insurance covers water damage — and by extension, mold — if the damage is caused by a sudden and unexpected event. Mold damage will not be covered if it's the result of poor maintenance or flooding. So, for instance, if a pipe bursts, Allstate might help you deal with any resulting mold, but if a persistent leak is left unattended, your coverage will likely not apply.
Is Allstate home insurance cheaper than State Farm?
No, Allstate home insurance is not cheaper than State Farm. On average, State Farm is one of the
Methodology
Home insurance rates are based on quotes from thousands of ZIP codes across the country. Rates are calculated using the median home price in each state.
Comparisons were made using the 11 companies that are major providers of policies in 10 states or more — Allstate, American Family, Auto-Owners, Chubb, Erie, Farm Bureau, Farmers, Nationwide, State Farm, Travelers and USAA.
Allstate rates in Massachusetts and Florida were not included in its national average because the company is not among the largest insurers in these states.
ValuePenguin's homeowners insurance analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only. Your own quotes may be different.
Additional sources include J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC).