Allstate Homeowners Insurance
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About Allstate Homeowners Insurance
Allstate is the second-largest homeowners insurance company in the U.S. When you request a quote, Allstate suggests three different levels of coverage to choose from. You can further customize a policy to fit your needs. Although Allstate’s prices can be higher than some other companies', it has multiple discounts available and a high financial strength rating.
Pros & Cons
- Several coverage options
- High financial strength rating
- Plentiful discounts
- Slightly high costs
Allstate provides good homeowners insurance with several levels of coverage. The prices are a bit higher than average, but Allstate might still be a good choice for those looking to protect their home.
Top Allstate Homeowners Insurance Reviews
After a plumbing leak flooded the 1st floor of my home, Allstate covered all the repair costs and property damage. I've been with Allstate for almost 3 years and every time we fil...Read full review
We recently had severe wind damage done to our swimming pool. I thought for sure it would be a real hassle even inquiring about homeowner's coverage on it. Well let me tell you......Read full review
How does Allstate homeowners insurance work?
Allstate homeowners insurance covers your home from certain perils in exchange for a premium. In the event of damage from a covered peril, you’ll file a claim, pay a deductible and Allstate pays the rest. Additional insurance coverage is available for events not covered in the traditional homeowners insurance package.
Purchase Allstate homeowners insurance directly from Allstate or through independent agents. Allstate also has a mobile app to get a quote, assess what type and amount of insurance you need and update personal information. Allstate writes policies in all 50 states and Washington, D.C.
Allstate home insurance cost
In general, Allstate homeowners insurance costs are higher than those of other insurance companies. Expect a policy to cost anywhere from $1,250 to $1,650 a year, but important factors like location, size of home and coverage type determine your exact premium. You can request a quote online from Allstate.
What does Allstate home insurance cover?
Allstate’s coverage varies depending on where you live, but expect a homeowners insurance policy with Allstate to cover damage due to:
- Windstorm or hail
- Fire and smoke
- Falling objects
- Frozen plumbing
- Water damage from appliances, heating and cooling systems, water heaters and plumbing
A traditional homeowners insurance plan won’t offer coverage for certain perils. However, you can purchase additional coverage from Allstate, such as:
- Flood insurance: Typical Allstate coverage takes care of water damage from an appliance or burst pipe, but not from flooding. If you’re concerned about damage from flooding, consider purchasing flood insurance. In some locations, this type of insurance is required.
- Earthquake insurance: This insurance covers your home structure and belongings from earthquake damage.
- Personal umbrella policy: Add this type of policy to cover legal fees and lost wages due to lawsuits from visitors who get injured on your property.
Allstate home insurance discounts
Allstate offers a wide variety of discounts that can substantially lower the price for home insurance premiums.
- Easy Pay Plan: Save 5% by setting up automatic payments.
- No claims discount: A 20% discount awaits those who haven’t made any recent claims when they switch to Allstate.
- Bundle discount: Save up to 25% by bundling homeowners insurance with another policy through Allstate, including auto or term life insurance.
- Age 55 and retired discount: If you’re over 55 and not working, you might be eligible for a discount.
- Welcome discount and loyalty discount: Save up to 10% by switching from another company, and the discount remains in effect throughout your time with Allstate.
- Early signing discount: Expect up to 10% off when getting a policy at least one week before your current policy expires.
- Home alarm discount: Have a home alarm? Earn another discount.
- Roof discount: Hail-resistant roofs may qualify homeowners for a discount.
- Smoke-free discount: Nonsmokers end up paying less for their policies.
- Storm shutter discount: Homes with storm shutters have cheaper policies with Allstate.
- Recent construction or purchase: If your home is newly constructed or you just purchased it, you can get a discount.
Allstate homeowners insurance plans
When you request a quote from Allstate, it will give three quotes: for Basic coverage, Extended coverage and Premium coverage. These are broad terms that may or may not include some of the supplemental insurance add-ons listed below.
- Water backup: Covers a clogged drain or faulty sump pump
- Green reimbursement: Covers energy-efficient upgrades in your home
- Scheduled personal property: Covers valuables like antiques, collectibles and jewelry
- Sports equipment: Covers sports equipment, including bicycles, golf clubs and skis
- Yard and garden: Covers riding lawn mowers, ornamental plantings, landscaping and trees
- Business property: Covers items used for a small business run from your home or equipment in a home office
- Identity theft protection: Covers legal fees and lost wages if your identity is stolen
- Electronic data recovery: Helps cover lost computer data like family photos or financial records
- HostAdvantage: Covers damage if renters damage your home or steal your possessions as part of a home-sharing agreement, like with Airbnb
Allstate homeowners insurance FAQ
Does Allstate homeowners insurance cover pitbulls?
Allstate does sometimes give coverage to homes with pitbulls, but this varies by state and local regulations.
Does Allstate homeowners insurance cover foundation repair?
No, homeowners insurance from Allstate will not cover foundation repair.
Does Allstate use credit scores for homeowners insurance?
No. In the past, Allstate used credit scores as a factor for homeowners insurance, but it has since ended this practice.
What is Allstate HostAdvantage?
Allstate HostAdvantage provides protection for those who share their home — for example, through Airbnb.
Is Allstate home insurance good?
Allstate homeowners insurance is worth it for those looking to protect their home. It’s easy to get a quote online by submitting your information. We like that you can purchase directly through Allstate’s website or work with a local agent who answers any questions. Prices might be slightly higher than at other homeowners insurance companies, but Allstate offers good coverage.
Allstate Homeowners Insurance Reviews
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March 3, 2023 a storm caused damages to my home, garage, and pool. I contacted my agent and was told by two different people on several occasions I had to have estimates to file my claim. It took me 4 weeks to get the estimates. Almost $8,000.00 in damage. I sent the information to my agent and filed the claim. An adjuster was to come to my house in two weeks, needless to say he was a no show-no call. They tried to put it off for another two weeks and I refused. One week later he appears. Estimate done and the insurance company wants me to accept a little over $4,000.00. My policy is 100% replacement with a $1000.00 deductible. I plan on contacting the better business agency and the Kentucky State insurance board if this is not rectified. Buyer beware. Allstate is not as good as their word.
They will find ways and excuses not to cover your claim. I had a roofer tell me I had hail damage that came by. Guess what, Allstate claims there was no damage whatsoever. Find another insurer. Don’t throw your money away to them. They suck money from their customers and don't pay them out when you need them.
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I was trying to work with Thomas Vanidestine Agency, Venice Florida, to assist my 89 year old friend who I have power of attorney for. I requested numerous times over a few mo this for his homeowner's insurance policy to be reviewed without any satisfaction until two weeks ago. Once I felt coverage was adequate I tried to pay his premium in full over the phone and I was disconnected and then recommended to pay online. I attempted this but due to policy renewal of 3/31/23 this system did not work. I tried to explain to numerous representatives within this agency but they did not understand and transferred me to Southern Oaks who transferred me back. Before I could resolve and pay I received a threatening email from the agency manager. With one call to State Farm I received a very helpful and polite agent who immediately understood my need and provided coverage within a day of my call.
Low price provider but absolutely the worst customer service at the local and corporate level. Extremely hard to get anyone to help you with anything so buyer beware if you want to make simple changes to your account, need something or ever file a claim.
In The Marion County Court In And For Marion County Florida, Shawanda ** v Castle Key Insurance Company (Allstate) Case#**...I am forced to represent myself in court while diagnosed with Bipolar, and on **. A prick test revealed that my then 12-year-old daughter was allergic to mold. Mold was found in the AC unit due to a drip pan overflow, in 10/15/15. The claim was denied. While fighting in court, the mold has spread throughout the house. Allstate has won, without me being present in court due to extreme chest pains, and a mental breakdown. Allstate is requesting Taxes, fees, and cost, with the threat of placing a lien on my house. After serving 7 years in the Navy, I built my house through the Veterans program in 1997, and I have been a loyal Allstate customer since then. I am forced to live with this mold. My family is getting sicker. I am not in good hands.
My home flooded. I called Allstate. I've had to do all of the work. My adjustor never really communicated. It was my first time experiencing a loss through a flood. My original adjustor told me the day of that he was retiring right before 6pm. He didn't document well at all about my claim. The young new adjustors that were placed on the claim were terrible to say the least. I was told that he had 40 other claims and that he didn't know when he would get to mine. His supervisor began calling after I had to constantly inquire about the status. I was spoken to as if I caused the flood and they constantly questioned everything that my contractor did although he undercharged me.
The mitigation company also did a terrible job because they were only interested in putting fans throughout my home trying to dry the sheet rock and cabinets. After the mitigation guy left and contractors began working, they found mold and mildew. Allstate's adjustor said that he needed proof that the mold and mildew were part of the claim! I was wading in water in my home and because the mitigation team didn't catch everything they are refusing to pay! On top of that, I never got reimbursed for my meals and they closed my claim! Run for the hills because everyone that I have spoken to in my area has had the worst experiences with Allstate. Now I'm forced to find legal help! Do yourself a favor and switch to a better homeowners insurance!
We had Allstate insurance on our home and cars for more than 22 years. We had never filed a claim, ever. They told us we had to trim a tree and replace 4 tiles on our roof or they were going to cancel our policy. We trimmed the tree and replaced one part of our roof. We hadn't made it to fix the tiles yet and they canceled our policy. They canceled us after 22 years, never having filed a claim, for 4 tiles. Now we have State Farm, the same coverage, lower cost. Use your imagination on what we think about Allstate now. - F. *8. Northern Kentucky.
My first house claim, a leak caused damages about $ 15,000 dollars worth in a bedroom and a bathroom in my house. Very unfortunate and unexpected event for anyone to suffer but the most ironic deplorable thing is not to get the economic support of ALLSTATE, my claim was denied as soon as I filed in. They did not care not either took the time to evaluate or consider it, even though I have been AN ALLSTATE LOYAL CUSTOMER FOR MORE THAN 20 YEARS. ALLSTATE has more than one face, ONE OF GOOD HANDS TO COLLECT OUR PREMIUMS THE OTHER, DEVILS HANDS TO DISMISSED AND DENY YOUR CLAIMS. That is the job of their well trained claim department to deny any valid claim by using one or two of their infinite list of options to AVOID HONORING OUR CLAIMS.
They sort of playing lottery with our claims to see which is to be the lucky one to be consider to respond positively for it. THE MAJORITY OF OUR VALID AND LEGITIMATE CLAIMS ARE THEN DENIED. I am writing this review based on my recent experience OCTOBER 2022. For those looking for an honest, supporting, genuine and sincere insurance company read very carefully my review before you decide. DO NOT WAIT TO LIVE IT TO BELIEVE IT!!!!
I could have given 5 stars to Allstate if not because of these three reasons: First, premiums keep going up. Second, it takes time to get approved on your claim. I have to refile a claim before they approved it. 3rd, the damages on my first filing were not included in the payments that I received because they're saying that it was approved on the first one. It's just that it did not meet the deductible. Tricky! But the good thing about them is they are all nice people. Especially the group of people who were assigned to my case on the second time filing. They made sure to do a good job of reviewing my complaint. Shout out to Mr. John ** who took care of everything!
Rated 1 out of 5 stars In Good Hands with Allstate: NOT!!! We had Allstate coverage for our home, vacation home and autos. Premiums are high and go up substantially every year without any claims or violations. Then we had a rock hit our car windshield and had to pay completely out of pocket. Not covered. Next a hailstorm ravaged our neighborhood and all of our neighbors got new roofs. The roofer said "If you had any company but Allstate, you would get a roof. They are more interested in protecting their shareholders than their policyholders." So we cancelled all our policies and were hit with a surcharge on the auto policy which we had already paid in full. 3 strikes and you are out, Allstate. Agents are lovely as long as they are soliciting/collecting your money, but if you should ever need to file a claim, you will be sorely disappointed.
Allstate Homeowners Insurance Company Information
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