Allstate home insurance review 2024

Allstate

Blueprint Rating

Compare Rates

Compare rates offered by participating partners

AM Best rating

A+ (Superior)

Customer complaint level

Very low

Average annual rate

$1,395

What you should know

Allstate home insurance has below-average rates and relatively few customer complaints. Its rates are cheaper than those offered by competitors in our best home insurance companies.

Despite being a nationwide insurance company, Allstate no longer sells new homeowners insurance policies in California.

Weigh the pros and cons of this insurer in our Allstate home insurance review.

Pros

• Competitive rates.
• Below-average rate of consumer complaints.
• Save up to 18% on average for raising your deductible from $500 to $2,000.
• No banned dog list.

Cons

• No guaranteed or extended replacement cost coverage, which is factored into our scoring.
• May not offer home insurance in your ZIP code.
• No longer offering new home insurance policies in California.

About Allstate home insurance

In 1931, Sears department store executives in Chicago formed Allstate to provide auto insurance. Twenty-three years later, Allstate started offering policies to protect homeowners against fire losses. 

Now based in the Chicago suburb of Northbrook, Allstate is the second-largest home insurance provider in the country, after State Farm. Along with homeowners insurance, Allstate offers renters, condo, motorcycle, business and other types of insurance and financial services.

Allstate average annual home insurance rates

AVERAGE ANNUAL HOME INSURANCE COST	$200,000 DWELLING COVERAGE	$350,000 DWELLING COVERAGE	$500,000 DWELLING COVERAGE	$750,000 DWELLING COVERAGE
Allstate	$1,055	$1,395	$1,784	$2,427

See MoreSee Less

Allstate’s comparably low home insurance rates earn it a spot in our cheapest homeowners insurance companies. You can save even more by qualifying for discounts offered by Allstate.

Allstate vs. other home insurance companies

Here’s how Allstate’s rates compare to competitors for a homeowners policy with $350,000 worth of dwelling coverage.

Home insurance company	Average monthly cost for $350,000 dwelling coverage
Progressive	$61
Nationwide	$96
Erie	$105
USAA	$106
State Farm	$108
Westfield	$112
Allstate	$116
Auto-Owners	$127
Chubb	$151
American Family	$168
Farmers	$170
Country	$172
Shelter	$197
Travelers	$268

See MoreSee Less

Allstate home insurance coverages

Allstate’s home insurance policies include the standard types of coverage you’d expect in an HO-3 policy, the most common type of home insurance. 

Dwelling coverage

Pays to repair or rebuild your house’s structure after it’s damaged by a covered problem in your policy, like an electrical fire or a tree crashing down on your roof in a storm. Your dwelling limit should be equal to your house’s replacement cost, or how much it would cost to rebuild it to its former state with similar materials after a covered loss, like a house fire. 

Other structures coverage

Pays to repair or rebuild detached structures on your property, like detached garages, fences and gazebos if damaged by a covered problem in your homeowners policy.

Personal property coverage 

Reimburses you if your personal belongings, such as furniture, electronics and clothes, if they are stolen or damaged by a covered problem in your policy. It typically pays out for your belongings’ actual cash value, which means depreciation is factored into your claim reimbursement. You may be able to upgrade to replacement cost coverage to be paid out at today’s prices for your damaged belongings. 

Loss of use coverage

Reimburses you for costs you wouldn’t normally pay if you were living at home but have to cover because your house was damaged by a covered loss and left uninhabitable, like if your house burns down after a fire. Examples of costs covered include hotel rooms, laundry service and meal delivery.

Liability coverage 

Pays someone else for injuries or property damage you cause (for example, if your dog bites someone) and provides for your legal defense if you’re sued over the matter. You can typically get $100,000 to $300,000 in liability coverage.

Medical payments to others

Covers the medical expenses of a visitor who is injured on your property — when the incident is not significant enough for a liability claim — regardless of who was at fault for the accident. You can typically get up to $5,000 in this coverage. 

Types of damage covered by Allstate home insurance

HO-3 policies, the most common form of home insurance, protect the structure of your house against “all risks,” which means you’ll be covered unless the problem is listed as an exclusion in your homeowners policy. 

Featured partner offers

What Allstate home insurance covers

In an HO-3, your personal property is protected against 16 types of damage, or named perils, which include:

• Fire and lightning.
• Windstorm and hail.
• Explosions.
• Riot or civil commotion.
• Damage caused by aircraft (not your own).
• Damage caused by vehicles (not your own).
• Smoke.
• Vandalism or malicious mischief.
• Theft and home break-in. 
• Falling objects.
• Weight of snow, sleet or ice. 
• Accidental discharge or overflow of water or steam.
• Sudden and accidental tearing apart, cracking or burning.

What Allstate home insurance doesn’t cover

All homeowners insurance policies exclude coverage for certain types of losses. Here are some of the risks an Allstate homeowners policy may not protect against.

• Earth movement: Damage to your house from an earthquake, sinkhole, mudslide or other types of earth movement isn’t covered. But if those movements cause a fire that damages your home, the fire damage would be covered. Allstate offers earthquake insurance in select regions. 
• Pest infestations: Home insurance won’t cover pest infestations, which are considered issues related to general upkeep or gradual damage. 
• Water or sewer backup: You’ll have to pay out of pocket for the repairs if raw sewage comes up through your drain pipes while the city is doing sewer work.
• Flooding: When water enters your home due to heavy rain, dam failure, river overflow or other causes, you’ll need a separate flood insurance policy to get reimbursed for your losses.
• Neglect: You’re expected to perform regular maintenance to keep your home in good condition.
• Acts of war: Home insurance excludes coverage for acts of war. 
• Intentional damage: You can’t intentionally flood your kitchen, then file an insurance claim so you can remodel.

Additional coverages offered by Allstate

If you want more protection than a basic homeowners policy provides, Allstate offers several ways to enhance your policy. Here are a few:

• Umbrella insurance. This separate policy will provide far more liability coverage than your homeowners or car insurance policies do, typically at least $1 million. It kicks in once you’ve exhausted the liability coverage from your homeowners policy (and/or auto policy). 
• Scheduled personal property. A basic policy typically limits how much you’ll be reimbursed for the theft of high-value items like photography equipment and jewelry. You can add scheduled personal property coverage to your Allstate homeowners insurance policy to protect yourself for the full amount you stand to lose.
• Building code upgrade. Also called “ordinance or law coverage,” this coverage helps with additional expenses if you have to repair or rebuild your property and new, stricter building codes are more expensive to meet. 
• Electronic data processing equipment. Provides a higher cap on reimbursement for computers and similar devices.
• Incidental office, private studio or school. Extends protection to cover certain business equipment, furnishings and supplies that are not covered by standard home insurance.
• Water backup. If your house is damaged by drainage or sewage backup, this coverage can pay for repairs. 
• Identity theft restoration. Pays to help restore your identity if it is stolen. 
• Green improvement. Helps cover the cost of replacing damaged property with more energy-efficient appliances. 
• Yard and garden. Expands coverage limits for damage to your lawn and garden if they’re damaged by a covered problem, like a fire.

Allstate home insurance discounts

Like most homeowners insurance companies, Allstate offers discounts to its customers. Here’s how you could be eligible for savings.

High deductible

Your deductible is the amount of money subtracted from your claim before insurance issues you a claims check. The higher your deductible, the cheaper your home insurance will be, but it also means you’ll be paid out less for repairs in the event of a property damage claim.

If you raise your deductible from $500 to $2,000 with Allstate, you may see 18% off your home insurance rates. Our insurance experts factored high deductible discounts into the scoring, and Allstate’s high deductible discount was better than average. 

Bundling

Although Allstate didn’t make our best home and auto bundles, having more than one Allstate policy can still reduce your rates. If you let Allstate insure your car as well as your home, for example, you could save up to 15%, according to our analysis.

Responsible payer

Allstate offers discounts for paying your premiums on time and in full. You could also save up to 5% by making automatic payments.

No recent claims

New customers can get up to a 20% claim-free discount if they don’t have a recent homeowners claim on their record.

Welcome and loyalty

Allstate offers a 10% discount to new customers, just for switching insurers. This discount continues each year you renew.

Early signing

If you don’t wait until the last minute to renew your expiring policy, you could save up to 10%.

Home safety and security

Having devices that protect your home against fire and theft could lower your rate.

Allstate home insurance reviews and complaints

Allstate has a very low rate of complaints according to data from the National Association of Insurance Commissioners (NAIC). Allstate’s complaint level is below the industry average, and our insurance experts factored that into its star rating. 

The NAIC logs the complaints consumers make with state insurance departments about homeowners insurance companies. Complaints are often about delays, denials or settlements when filing a claim.

Filing a home insurance claim with Allstate

You can file a home insurance claim with Allstate in one of four ways.

• Log in to your online account. 
• Use Allstate’s mobile app.
• Call your Allstate agent.
• Call Allstate claims support at 1-800-255-7828.

You need to provide proof of your loss, the type of loss and details of the circumstances surrounding the loss. Once you file your claim, you can track its status after 24 to 48 hours using these same methods.

Allstate home insurance reviews FAQs