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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.
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.
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Reviewed Sept. 16, 2023
Allstate is indifferent to long time customers refusing to admit system errors that phone agents can see with errors in program that create false loops regarding customer payment. Allstate is too big to care about its own errors and insist false entries agents can see are wrong are in fact wrong. BIG COMPANY Indifference. Caution! Allstate doesn't care.
Been with Allstate 23 years even though they overcharge for insurance. Someone on Allstate put in entry of bounced check that never happened. They will not identify the check or event. Every check mail in response to monthly statement requesting a return check is returned. Then their computer notes their error in returning good never deposited check is bad. Then they charge for late payment and other penalties. Phone reps can see the problem, but the company refuses to see the computer error loop (garbage in is garbage out). Allstate has charged hundreds of dollars charge for refusing to take good payment. Did understand the problem until demanded an agent identify the problem, which was Allstate charging penalty after soliciting check payment,
Reviewed Sept. 15, 2023
I have hail and wind damage to my roof that's not repairable. Needs to be replaced. They've been out looking at it 3 different times with two different adjusters still dealing with the issue. Probably gonna have to take it to the state insurance board.
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Reviewed Sept. 8, 2023
This is for the review of my experience. Was a customer of Allstate for 8 years. Never filed a claim. A hail storm came thru and hit my cars and roof. I filed on one Truck, the other is a work truck so no big deal. Allstate covered it fine. (Everyone I have spoken with in this process has been nice, professional, and kind.) Our roof started leaking. Filed a claim. Took them six weeks to come back and offer half of what it will cost to replace my room. (2 roof estimates around $20,000, they offered $9,700 with the possibility, not guaranteed, of $4,700 more.) My deductible is $3,500. Leaving me to pay $6,800 after my deductible.
We are 9 weeks into the process. Been on the phone more than 15 time with different people, again, everyone has been very professional, and numerous emails and I still don't know if I'm getting a roof. Bottom line....I have changed insurance companies, and would not recommend Allstate to anyone for any type of insurance. This is just my experience. Thanks.
Reviewed Sept. 3, 2023
I submitted a claim for wind damage after a big storm knocked a bunch of shingles off my roof. Had it inspected by their 3rd party inspected “Hanson/Hansen/Hancock something like that” which also agreed there is wind damage. Had a brittle test, pliability test, all failed and they no longer make my 3 tab metric shingle. They suggested cutting up a standard 3 tab shingle which isn’t possible. They also would change adjusters on me ever few weeks so I would have to start the process ALL OVER from scratch with the new adjusted.
After it was all said and done, I think they had passed me over to more than 10 different adjusters. This is just fraudulent! It took 11 months to finally get my wind damage covered, after going through over 10 adjusters (they kept moving me around just as soon as I started making progress), and had to ultimately take it to the State Insurance office before they finally did ANYTHING. This company is a bunch of scam artist and they WILL NOT cover you when/if you ever have a claim.
Reviewed Aug. 29, 2023
Maurice ** provided horrible service when a limb came through our roof and left water damage in the rooms directly below the hole created and several adjacent areas of our home. Initially, Mr. ** enthusiastically recommended that we file a claim directly with Allstate as this clearly would be a covered event. Unfortunately, this is where his support ended! Shortly after this event, he left on an overseas trip and did nothing further to support our claim. This was the “service” provided, after having consistently paid for Allstate homeowner’s insurance for over 30 years, without ever filing a claim. The frustration of dealing with an Allstate agent that clearly did not value customer service, added to the stress of dealing with the damage to our home.
Additionally, dealing with the claims department at Allstate was a total nightmare. To their limited credit, Allstate did quickly send a repair company to put a temporary patch on the hole in our roof and an adjustor to assess the damages within a few days. That is where any semblance of being in “good hands” ended. The adjustor in Allstate’s corporate office who reviewed photos provided by the on-site adjustor, deemed that most of the damage was due to a pre-existing condition and refused to cover that damage, which was the bulk of the issue. Rather, Allstate offered to pay for the roof repair (at a rate that did not match any estimates we received) and a few small spots on an adjacent ceiling (again at a rate that did not match any estimates we received). In the end, they proposed a settlement on our claim that paid $70 over our $1000 deductible.
Being naïve in the way insurance companies operate, I expected that Allstate would review their proposal and make a more reasonable settlement. Much to my dismay, Allstate refused to consider the proposal made by a restoration company that they recommended and work with frequently. Additionally, a review by the Virginia Insurance Commission that strongly suggested Allstate review its settlement offered was totally rejected. Essentially, Allstate refused to consider any evidence that was contrary to their assessment.
After, experiencing significant stress and frustration trying to utilize our insurance, we decided to move on and pay for repairs out of pocket. Having done that, we are pleased that after 3 months of turmoil, we are able to enjoy our home once again. And of course, we are now with a new insurance agent and different insurance company. It would be my very strong recommendation that you do not use Maurice ** as your insurance agent and stay away from Allstate as your insurance company! I do not have experience with Mr. **'s work as a financial advisor, but if it is anything like his work as an insurance agent, I would steer clear!
Reviewed Aug. 13, 2023
I have a roof claim, every house in my subdivision is damaged and had no problem with insurance claims and I have the most expensive home insurance with extra roof coverage and have had to fight with them, 1st they turn almost every claim down, hoping you go away then 2 more days off work and only want to replace partial and somehow match!!! Come on Allstate, I have missing shingles and water damage. They are the worst company and you will not be in good hands with Scamstate (Allstate).
Reviewed Aug. 9, 2023
I have had Allstate insurance for over 25 years but will be changing companies very soon as they have definitely declined over past few years. The prices Allstate seem to think things costs now are totally ridiculous and you’ll never be able to find contractors to do work for the price Allstate wants to pay so you end up having to cover most of costs of repairs yourself as Allstate low balls everything so much and are far off from any estimates you’ll get from contractors and they will go back and forth for months until they wear you down to accept whatever they will give you just so you don’t have to deal with them anymore. I just had storm damage on my house in April 2023, and we are now in August and these crooks still don’t want to pay what the costs of my repairs were.
In order to keep my damaged roof from doing further damage to inside of house, I’ve had to move forward with repairs and pay the contractors myself and now still fighting to get money out of Allstate for both outside and inside damage from leak that was result of damaged roof. They want to only pay like 1/3 of what actual costs of repairs were. Four months post my out of pocket payments to contractors, I have yet to see a dime from Allstate and they are nickel and diming me, even though I have replacement costs insurance.
Their estimator who came out also damaged my gutters when evaluating damages and taking pictures, and now they don’t even want to pay full cost to fix what THEY damaged. Their repair costs they have in their system seem to be like costs from 20 - 30 years ago rather than what current day costs are in 2023! Crooked company that is fast to collect premiums, but not wanting to pay for claims. Will be changing insurance companies as soon as possible! Strongly advise to select someone other than Allstate and slogan needs to be redone to say “You are definitely no longer in good hands with Allstate”!
Reviewed July 18, 2023
We have been customers of Allstate for over 15 years now. Our home has been constructed in 1995 and we purchased it in 2005. The roof had several issues for which we have gotten repaired out of pocket. Now the roof is in the worst shape. I have had more than 3 different roofing companies look at my roof and they all suggested a replacement.
Allstate adjusted came out to the property and advised us that the roof needed to be replaced as well. I have followed up with them countless times and it goes straight to voicemails and no return calls from their side for the next steps in the process. Every person that I have spoken to has been nothing but rude to me. There is no escalation policy in this company. The employees are worried if there is an escalation then their jobs will be gone. The management never comes on the phone and helps to resolve the issue.
They have hanged up on me several times and they themselves do not know how to resolve the issue and advice for us to wait. How long should I wait? 5 years, 10 years? They don't know... This is how they take care of their customer of 15+ years who has paid over $40,000 to them. I hope the government takes strict action against them and takes them to court over scamming OLD innocent people.
Reviewed July 12, 2023
I have the only home in my neighborhood that was hit with a storm in April that the insurance company has refused to pay roof replacement. Shingles are no longer made and they are telling the contractor to cut them, contractors are refusing because they say it will not seal properly. The contractors said Allstate and State Farm snake out of all roof claims.
Reviewed June 7, 2023
Allstate - You are NOT in good hands. They do NOT deserve the one star required for a review. After paying premiums on multiple homes for 20 years with ZERO claims, they are denying claims for storm damage to roof that caused extensive water damage structurally and to our contents and personal belongings. Homes all over Northern AZ experienced roof damage due to unprecedented snow levels, hail and winds.
They tried to say mold caused the damage to our roof and contents and we shut that down. Now scrambling for other excuses. They try every trick in the book by wearing you down and hoping if they keep denying claims - regardless of pictures and licensed contractor's reports. No wonder so many complaints and lawsuits. Run. Do not walk away. They need to be investigated by the National Insurance Board - now!
Allstate Homeowners Insurance Company Information
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