Allstate Homeowners Insurance

Allstate Homeowners Insurance

 3.9/5 (1636 ratings)
  • 5 stars
  • 4 stars
  • 3 stars
  • 2 stars
  • 1 stars
Get a Quote on SmartFinancial

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.

Overall Satisfaction Rating

  • 5 stars
  • 4 stars
  • 3 stars
  • 2 stars
  • 1 stars

Pros

  • Several coverage options
  • High financial strength rating
  • Plentiful discounts

Cons

  • Slightly high costs

Bottom Line

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

How do I know I can trust these reviews about Allstate Homeowners Insurance?
  • 4,190,212 reviews on ConsumerAffairs are verified.
  • We require contact information to ensure our reviewers are real.
  • We use intelligent software that helps us maintain the integrity of reviews.
  • Our moderators read all reviews to verify quality and helpfulness.

For more information about reviews on ConsumerAffairs.com please visit our FAQ.

Rated with 5 stars
Verified

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
profile pic of the author
Rated with 5 stars
Verified

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
  • Theft
  • 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

Recent
  • Recent
  • Oldest
  • Most helpful
Any
  • Any
  • Rated with 5 stars
  • Rated with 4 stars
  • Rated with 3 stars
  • Rated with 2 stars
  • Rated with 1 star

A link has directed you to this review. Its location on this page may change next time you visit.

How do I know I can trust these reviews about Allstate Homeowners Insurance?
  • 4,190,212 reviews on ConsumerAffairs are verified.
  • We require contact information to ensure our reviewers are real.
  • We use intelligent software that helps us maintain the integrity of reviews.
  • Our moderators read all reviews to verify quality and helpfulness.

For more information about reviews on ConsumerAffairs.com please visit our FAQ.

Page 1 Reviews 0 - 10
Rated with 1 star
Verified Reviewer
Original review: Jan. 13, 2023

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!

2 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Dec. 21, 2022

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.

2 people found this review helpful

Not sure how to choose?

Get buying tips about Homeowners Insurance delivered to your inbox.

    By entering your email, you agree to sign up for consumer news, tips and giveaways from ConsumerAffairs. Unsubscribe at any time.

    Thank you, you have successfully subscribed to our newsletter! Enjoy reading our tips and recommendations.

    Rated with 1 star
    Verified Reviewer
    Original review: Oct. 28, 2022

    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!!!!

    5 people found this review helpful
    Rated with 3 stars
    Verified Reviewer
    Original review: Oct. 11, 2022

    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!

    Be the first one to find this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Oct. 10, 2022

    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.

    10 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Oct. 3, 2022

    I as consumer have not had a very good experience with Allstate. I was with Statefarm for about 5 years I switched due to my rates going up every year. So far Allstate has shown very bad Customer service. My whole policy was done wrong they had denied my claim for repairs due to them wanting me to keep spending thousands of dollars for me to repair over and over my roof. I don't know what I need to do so I can get some help.

    Be the first one to find this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Sept. 28, 2022

    I have had a very negative experience dealing with Allstate from their customer service, communication, and the fact that they denied a claim based off a standard that was impossible for me to satisfy. They literally had me send them a weather report to prove that there was a natural disaster. They never sent an inspector yet denied my claim based off an employee's conjecture about the state of the building that I live in. I'm not sure how some random guy was able to tell me about the state of caulking around my window and the building façade over the phone without making any effort to visit or inspect. Their employees are clearly trained to find any made-up loophole and make broad assumptions about the cause of damage without actually doing any work to make an inspection. Very disappointing experience, they essentially cover NOTHING because they will make assumptions that make it possible for them to deny your claim.

    3 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Sept. 20, 2022

    My home burned down the last day in July. Leaving my family of 7 displaced. My insurance is trying to withhold the money in my policy to replace possessions. They offered an insulting amount and if I want what’s in my policy I basically have to earn it. So on top of the stress of losing my home and most of our things. I now have to find time to sit at a computer and itemize everything we owned. Which is difficult when both of us work full time and have 3 littles to care for and my elderly mother also lives with us. Long answer but it is my life right now. By the way my insurance is Allstate and it isn’t my local branch handling it. It is 3rd party assessor they hire.

    Shame on them for making an already devastating and stressful time more stressful. Not to mention if you don’t have a computer due to the fire you're out of luck. You can’t use your phone to do the itemization because the spread sheet requires you to use a computer and Microsoft Office. Which I don’t have at the moment. They count on people being too overwhelmed to fight for what their policy says they have. I could go on and on. Took them 5 weeks to tell me they were giving me the insulting amount. I was not not to touch anything so what could have been salvaged was ruined sitting in the open house in soot and water molding conditions. Not to mentions all the animals that made themselves at home. Then the assessor that came took things out and left them in the elements that could’ve been possibly salvaged. Altogether very bad experience. A nightmare on top of a nightmare.

    2 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Sept. 6, 2022

    Let me start by saying Allstate is popular but not necessarily good. I filed a claim about hail storm damage to my roof last year. Allstate denied my claim. Allstate claims that the damage was not hail stone damage. And so I left it at that. This year 2022 I put my house in the market and the buyer’s inspection agent also reported hailstone damage to the roof. I refiled my claim again and Allstate once again denied my claim. I uploaded pictures of the hail damage as approve of hail damage and Allstate still denied my claim. They give me no justifiable reason to deny my claim because there was none. This denial was based on greed on the part of Allstate.

    My advice for all those thinking about purchasing a home or auto insurance with Allstate is just stay clear away. For me to be able to sell my house, I had to cut my price by $15,000. What is the point of having insurance coverage when you can’t use it when is needed?? In Allstate commercial they say “Allstate you are in safe hands” but I say Allstate you are in dangerous hands.

    8 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Sept. 1, 2022

    I have been insured with Allstate since 1994, this will be my first claim. Due to a major wind and Hail storm. I have quite a bit of damage, roof, siding, broken windows, damage to gutters, spouting, etc... The amount they want to settle for doesn't even cover the cost of the roof, which they told me would be completely covered. They do not want to replace all of my siding, they want to "blend" and "Patch". It takes several days to get a return phone call. I do have a really good contractor helping me. Allstate is ignoring Ohio codes that apply to my situation, which I believe is not legal.

    8 people found this review helpful
    Loading more reviews...

    Allstate Homeowners Insurance Company Information

    Company Name:
    Allstate Homeowners Insurance
    Website:
    www.allstate.com