Allstate is the second-largest home insurer in the United States, providing quotes for prospective policyholders both online and through a broad network of local insurance agents. The company boasts an excellent reputation for customer service and a wide array of coverages, but higher-than-average rates should make you think twice before purchasing an Allstate policy to protect your home.
In our review, we’ll show how Allstate’s home insurance quotes compare to other companies and discuss some other useful and unique features about their homeowners coverage.
Allstate home insurance coverage
If you want to protect your identity or you frequently rent out your home to short-term guests, Allstate is an excellent option. It boasts particularly strong coverages for these areas, as well as an impressive list of other optional coverages.
Allstate offers the same standard homeowners insurance coverages that other insurers do: dwelling, personal property, liability and additional living expenses (ALE), as well as medical protection coverage. What makes Allstate really stand out, however, is the unique coverages and tools like HostAdvantage® and Digital Footprint.
Unique feature: HostAdvantage®
HostAdvantage® is an optional add-on from Allstate that offers protection for short-term rental hosts. It offers the following coverages:
- Theft coverage to help cover the cost of replacement if a homesharing guest steals your personal property.
- Damage coverage to help cover the cost of repairs or replacement if a homesharing guest steals your personal property, up to $10,000 for every host period.
Policyholders should note that HostAdvantage® is not available in every state, and it only covers personal property, not damage to the physical structure of your home.
Allstate's identity theft protection coverage is also particularly impressive for a property and casualty insurer. Many insurers perform credit monitoring, assign you a case manager to help you restore your identity and reimburse you for any costs resulting from the fraud.
Allstate builds on these services through its Digital Footprint tool. The Digital Footprint allows users to view what data companies have gathered on them so they can proactively manage their data risk instead of just retroactively recuperating their losses.
In addition to these two unique features, Allstate offers a number of other optional coverages that homeowners can add to their insurance policy to protect their home and property. We've outlined how these insurance coverages work in the table below:
|Flood insurance||Allstate administers National Flood Insurance Program (NFIP) policies, though coverage is only available in certain areas|
|Earthquake insurance||Covers repairs to your home and personal property after an earthquake. Only available in select areas|
|Water backup||Allstate helps pay for water damage resulting from a drain backup or broken sump pump|
|Scheduled personal property||Protects valuable items like jewelry and antiques|
|Business property||Covers business items (such as inventory) that you keep in your home|
|Sports equipment||Protects costly equipment, such as golf clubs or skis|
|Green improvement reimbursement||If items in your home are damaged or destroyed, this coverage helps replace them with more energy efficient items|
|Yard and garden||Extra coverage that you can purchase to cover trees, landscaping, lawnmowers and other features in your yard and garden|
|Electronic data recovery||Helps pay to recover lost personal computer data|
|Musical instruments||Extra coverage for musical instruments|
|Personal umbrella insurance||Extra coverage for high-cost liability claims|
|Earthquake insurance||Allstate administers California Earthquake Authority insurance policies that can be added to your policy at an extra cost|
Policyholders who are willing to pay extra for an Enhanced Package on their homeowners insurance will have access to a few additional benefits that lower their premiums overall. The benefits that come with the Allstate Enhanced Package include:
- Claim Rateguard® protects your rate from going up after a claim, provided that you file no more than one claim every five years.
- Claim-free rewards offers a lower premium to customers without any recent claims who switch to Allstate.
- Claim-free bonus gives policyholders 5% back every year they renew without having a claim.
- Deductible rewards takes $100 off a policyholder's deductible after sign-up and another $100 each year the policyholder stays claim-free, up to a maximum of $500.
The Enhanced Package is not available in every state, and policyholders must add it to their policy within 60 days to receive the $100 deductible reward when they renew. The only benefit to using the tool is to show someone the impact of various factors on the cost of home insurance. It doesn't even show exact dollar amounts.
Another benefit of going with Allstate is its library of free digital tools that help homeowners better understand how insurance works — especially helpful information for first-time homebuyers, who are often 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.
- The Common and Costly Claims tool allows you to find the claims made most frequently and that cost the most in your ZIP code.
- The GoodHome tool allows you to enter your address and receive information about your own home's risk and steps you can take to reduce it.
- The Premium Gauge tool is designed to help shoppers identify factors that could impact the cost of their home insurance. Since it doesn't even show dollar amounts, however, we'd recommend that you get a quote online via Allstate's calculator for a more concrete home insurance estimate.
Other insurance coverages available from Allstate
Allstate also sells insurance policies for mobile homes, condos and renters. These policies usually come with the same kind of standard and optional coverages as a homeowners policy, but with modifications to suit the unique needs of these kinds of customers.
For instance, renters insurance doesn't include dwelling coverage, since the structure of the building is the responsibility of the landlord, and condo insurance includes coverage for in-unit appliances and cabinets that wouldn't be protected by a personal property policy.
Below, we've listed the various types of insurance policies available from Allstate in addition to home and auto. Check out our review of Allstate auto insurance — and Allstate's usage-based program Drivewise — for our thoughts on these policies.
Allstate carries the following forms of insurance:
- Phone protection
- Retirement & investments
- Voluntary employee benefits
Allstate discounts on homeowners insurance
Allstate offers one of the best multi-policy discounts. With 25% off if you bundle both home and auto insurance, Allstate's discount is better than Progressive's (12%), State Farm's (17%) and USAA's (10%).
In addition to this significant bundling discount, Allstate policyholders have access to a number of discounts that reduce the cost of premiums:
|Multi-policy discount||25% off if you bundle your homeowners and car insurance|
|Responsible payment discount||A discount for good payment history; amount unspecified|
|Claim-free discount||20% off if you switch to Allstate from a different insurer and don't have any recent homeowners insurance claims|
|Welcome discount||Up to 10% off for switching your homeowners insurance to Allstate|
|Loyalty discount||Up to 10% off every year you continue to renew your homeowners insurance with Allstate|
|Home buyer discount||A discount for buying a home that was built recently or if you are a recent homebuyer; amount unspecified|
|Easy Pay Plan®||Up to 5% when you set up auto pay|
|Protective device discount||A discount if you have anti-theft or fire protection devices in your home|
|Early signing discount||Up to 10% if you sign a new policy at least a week prior to the expiration of your current policy|
Customers should note that not all discounts are available in every state. While Allstate provides its policyholders with plenty of ways to lower their premiums, the best way to find out what discounts you qualify for is to reach out to an Allstate agent.
Allstate home insurance quote comparison
We compared homeowners insurance quotes and found that Allstate generally charges higher prices for insurance than its competitors. If finding cheap insurance to protect your house is your top priority, we'd recommend comparing quotes from other companies before you purchase from Allstate. While the company has strong customer service reviews, its rates were 26% more expensive than average, according to our survey of home insurance quotes in Illinois.
Average annual premium
Difference from average
|Illinois state average||$1,375||N/A|
Our sample homeowner in Illinois paid $1,728 per year, or $144 a month, for Allstate homeowners insurance — much more than the average of the insurers in our study, which is $1,375 annually.
Bottom line: Unless you need some of the unique coverages that Allstate offers, we'd recommend getting your homeowners insurance quotes elsewhere. There's no reason to pay such high premiums when other companies offer more affordable rates.
How good is Allstate home insurance, according to reviews and ratings?
Allstate homeowners insurance receives solid reviews from a number of industry experts. J.D. Power ranked it sixth out of the 23 insurers featured in its 2020 U.S. Home Insurance Study and gave it a score of 829 out of 1,000 — above the average score of 823.
Similarly, Allstate Vehicle and Property Insurance Company — the Allstate subsidiary with the largest homeowners insurance market share — scored a 0.36 on the National Association of Insurance Commissioners (NAIC) Complaint Index. That means Allstate receives about two-thirds fewer homeowners insurance complaints than the average insurer of its same size.
|J.D. Power Customer Satisfaction Index Rating||823||829|
|AM Best Financial Strength Rating||Varies; letter grade system||A (excellent) to A+ (superior), depending on subsidiary|
|NAIC Complaint Index||1.0||0.36|
A.M. Best also gave Allstate either an "A" or "A+" Financial Strength Rating, with ratings varying slightly depending on the subsidiary. These ratings mean that, per A.M. Best's review of the company, Allstate has an "excellent" or "superior" ability to pay out insurance claims and meet financial obligations — an unsurprising result given the scope and history of Allstate's business.
Allstate's strong customer service reputation stems in large part from its insurance agents. Most insurance companies use call centers, but Allstate connects policyholders with a dedicated local Allstate agent. In the event you needed to file a claim for any policy or purchase more insurance or you had a question about your policies, you would contact your agent rather than a call center. In other words, rather than having to explain your question or scenario to a new person each time, you can build a relationship with an agent who works to understand your unique needs and concerns.
Another factor contributing to Allstate's high customer satisfaction ratings is the Allstate mobile app. While the app has many features similar to other insurance apps — like the ability to file a claim, pay a bill, access an ID card and contact an agent — it also includes Allstate-specific features that enhance the user experience. These include:
- Allstate Digital Locker, a tool that allows you to easily create a home inventory so Allstate can effectively replace your personal property should you have to make a claim.
- Allstate Digital Footprint, a tool that comes with Allstate identity protection insurance. It allows you to see which companies have access to your personal data and manage your data risk.
The Allstate mobile app seems to function slightly better with Apple iOS than it does with Google Android. Its Apple app store rating is 4.8 out of 5, whereas it received only a 2.4 out of 5 on GooglePlay. If using a mobile app is not a policyholder’s preference, they can either manage their policy from a desktop computer myaccountrwd.allstate.com or work with their agent via phone.
Filing a claim with Allstate
Filing a homeowners claim won't be the same for everyone. If you purchased an insurance policy through an Allstate agent, that agent should be your first point of contact in the event you need to file a 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 on the Allstate website or over the telephone. Both contacts are below.
- 1-800-ALLSTATE (1-800-25578283)
- 1-800-255-7828 (claims number)
Is Allstate a good choice for home insurance?
Allstate is a solid choice for home insurance if you're willing to pay above-average rates for above-average service. Its sheer size as a major insurer makes it a convenient choice almost anywhere, but it's best to consider it alongside three or four other insurance providers when you shop for coverage. Read more to see our recommendations on home insurance.
Does Allstate insure homes in Florida?
Allstate does offer homeowners insurance in Florida through two subsidiaries: Castle Key Indemnity Company and Castle Key Insurance Company. Florida residents looking to insure their homes should be cautious. Reviews of Castle Key Indemnity and Castle Key Insurance are lackluster: Both received a B+ from A.M. Best, indicating a "good" but not "superior" ability to cover claims, and both also had above-average Complaint Index scores for home insurance from the NAIC — 7.36 and 5.88, respectively. Get quotes and read reviews of other companies before purchasing homeowners insurance from Allstate in Florida.
Does Allstate homeowners insurance cover mold?
Allstate's website does not provide a clear response to this question. The answer is likely: It depends. Homeowners insurance usually covers water damage — and by extension, mold — if the damage is caused by a sudden and unexpected event, but not 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.
Quotes for this ValuePenguin study were obtained from Quadrant Information Services. Our sample homeowner lives in a 2,100 square-foot home built in 1969 and worth $195,300 — the median home value in Illinois.
We averaged quotes from nine insurance companies, selecting those that had some of the largest homeowners insurance market share in Illinois and pulling quotes from ZIP codes across the state. These quotes are intended for comparative purposes only, as your own rates could differ.