Allstate Homeowners Insurance Reviews

Helene storm damage claims handling and payout. Has been traumatic and an awful experience. ALLSTATE punishes home policy owners by using the deny and delay tactic. They make you deal with a different person almost from one phone call to the next, it seems. They do not care that your contractor and you, as the owner, took care of many things that saved Allstate money. They are hell bent on fighting every detail that is over their very minimal offered payout. We stayed in a half-useable house for almost a year, saving them thousands in temporary rental money and temporary motel money. We could have refused to stay in the half-useable house that we work out of due to the unsafe conditions, and contractor work generated noise and dust. They are definitely not "The Good Hands People".

I believed in Allstate’s slogan — “You’re in good hands.” But unfortunately, my experience has been far from that. My claim was originally withdrawn because of the reasoning provided by the adjuster, but I decided to reopen it after realizing that his assessment was incomplete and inaccurate. The adjuster did not fully inspect the damaged areas of my home, and I strongly disagreed with his findings. When I reopened my claim, I expected a fair review. Instead, Allstate denied it again — this time with a completely different reason that is not true and does not reflect the actual condition of my property. It’s very frustrating as a customer to see that their decision did not take into account the detailed assessment and report provided by the licensed roofer who inspected my home.

Got home owners for home purchase on 27 June 2025. Got all confirmations and accepted for closing. Policy was canceled on Aug 24th 2025 for unknown reason. Received a refund check in the mail so did not know why. Called a numebr of times and no one could tell me why. There were not notes in the system, no claims, no correspondence before the cancellation. I was hung up on several times and did nto know why. No one could help or give me an answer to the question why.

This company is a big scam. They have raised my homeowners policy by 110% because I filed a claim this year and even if you don’t file a claim, If you call in to even ask about the possibility of filing a claim, they report it as a claim so that it goes on your claims record which makes it harder for you to get insurance anywhere else. Please please do yourself a favor and avoid this company for any type of homeownership’s insurance.

Took several years to finally get a roof and they tried denying again but adjuster made them cover. Now not helping me with anything on floor damage from water leak in bathroom. Horrible insurance company. Better off putting the money you pay them each month in the bank and paying for repairs yourself, because you pay them and still get stuck paying for any repairs you need.

First let me say that their voice automated system is a joke, I would elaborate but let's just say I dread calling them. My husband and I switched car and home insurance when our previous company prices went up. Allstate was able to match our home policy and give us better car premiums. It has been a nightmare since we switched on 8/27/2025. Unfortunately we had a tree fall on our neighbor's car on 8/29/2025. So we had to file a claim and noticed that they entered our house number incorrectly. We asked them to correct it. Well that seems to be a huge problem. First person had said he wasn't sure how that was going to work. Our mortgage company said we needed to update the insurance info. He made a call to Allstate with us on the line, we had a 3 way call. This person we spoke to said that the previous person did not put any notes into the system, go figure.

I was just told after being a Allstate customer for 30+ years that they will not cover the damage from a storm. Somewhere in the fine print there is always something to keep them from paying anything. With a $680 a month premium you think they would cover something. I will let everyone I know and every person I come in contact with to not use Allstate. This is very disappointing after having been a customer with them for such a long time.

We have been customers since 1986. Our interactions and communications with our agents, prior to this last agent (Tiffany **) have been satisfactory. When she took over the agency approximately one and one half years ago, communication from her via email or phone came to a halt. She does not respond to calls or emails. She has someone else call who only tries to upsell, not discuss or answer current questions regarding our 3 policies with Allstate. We were forced to change agents this past week. I hope someone speaks with Ms. ** about her lack of customer service!!

The Castle Key Insurance as a Subsidiary of the Allstate Corporation. My Claim was painful and took long long time more than a year. It has been a long road since my Claim 10/19/2022. Miami, FL. I feel like the Castle Key Company has treated me like a number as policyholder, not a person, ignoring the emotional and psychological impact their delay and lack of consideration for the impact on my life, personal belongings and assets. I would appreciated it if The Castle Key Insurance would take a more empathetic and human-centered approach to resolving my claim.

Very disappointed in the rate hikes. It's understandable that there will be rate increases due to circumstances beyond our control. When I first got insurance at this agency under (Gary **) was the agent he gave me a wonderful rate at around $600 plus some change for an annual premium. Then the next year it went to around $800. I went with it and didn't complain. Now, going into June of 2026 my annual premium is just over $2,500! Every person I have spoken to including my Credit Union has even agreed this kind of rate hike is insane. At this point I am trying to see what options are out there and reported this rate increase to the Office of The Insurance Commissioner of Wa State to see what they say. I called this office to see exactly why my rates had risen to such an absurd amount and basically nobody gave me any explanation but just the run-a-round to write a formal letter to Allstate asking why.

Allstate is the worst possible when it comes to claims. Recently filed a claim for Hail Damage. On the first visit, the adjuster decided to show up earlier than expected so that my roofer could not meet up with them. Then they denied any damage. We requested for a second adjuster. This time the roofer met the adjuster and showed them all of the damage with pictures. This time they agreed that there was damage but only partial. We tried to escalate for Engineering Appraisal, they flatly denied entertain anything further.

We had a hailstorm in the spring which busted one of my windows, dented a metal patio cover, and damaged my roof. However Allstate refuses to acknowledge any damage to my roof after two inspections even though 6 out of 10 on my next door neighbors, who don’t have Allstate, were approved for new roofs automatically. Not sure how hail dented a metal patio cover but not a shingled roof.

Allstate save me money but when it was time to pay up when half of my roof blew off they only want to replace half of it and patch the rest. I have hired a person to negotiate for me. They won't call him back or even talk to him. I call it stonewalling.

Bases on my experience, my recommendation is to avoid Allstate home insurance at all cost. They did not cover the damages to my roof, fence and gutters despite the damage being extensive according to my contractor. My deductible was 5000 and according to their team the cost for the extensive damage is 4900, just a 100 dollars short of the deductible. Avoid Allstate home insurance at all cost.

Worst homeowners insurance policy I HAVE EVER HAD. I had a ice dam on my roof. It caused water damage to the interior and exterior wall. Due to the length of time it took for them to get out to assess, mold had grown in the wall. They low-balled my work to where no contractor would take the work. I had to borrow 7,000 from my retirement to get the work done. There was 10,000 in damages and Allstate had the audacity to only cover 3200.00 and then subtract my deductible. You do the math, this company screwed me and put me in a hard place. Talked to 3 other people who had Allstate, said the exact same thing and dropped them just like I did.

On 3/2/25 our home was condemned inhabitable due to a drunk driver who crashed into our home around 3pm. Allstate is dragging their feet on settling. They want us to take an amount that does not even cover the landscaping. They have not even reimbursed us for the money we had to put out for food and clothes. I have been without a home for almost 5 months, and no one cares.

We had a hailstorm on 4/10/2025. On 4/11/2025, there were drones flying over my subdivision. On 4/15,2025, I submitted a claim for my roof. This subdivision is upscale, so the roofs are fairly large and they can have a lot of peaks and valleys. Allstate sent out an adjuster to meet with my roofer, along with a public advocate. Miracles do happen. Of all the homes close by, my home was spared. They noticed some tiny dings on the vents, etc., but not worth talking about. In fact, the total was $55.00 less than my deductible. I asked for a new inspection when I noticed some damage to the interior. Same result.

I have been an Allstate customer for 14 years. My home was damaged around the end of April 2025. The adjuster came out and informed me that the restoration company would cost around $3,000, but the final estimate ended up being about $6,500. This restoration company is an Allstate vendor. I was told that I could use any contractor for the job, but every contractor that provided an estimate had their figures challenged by the adjuster, as they did not match the vendor's paperwork. The adjuster mentioned that when I submitted an estimate, he would negotiate the price with the vendor. However, instead of doing that, he keeps insisting that I need to submit another estimate or show how the funds will be allocated, which is already outlined in the estimate. I've been going back and forth with the adjuster to try to get my damages fixed, but there always seems to be an issue.

While Allstate makes record profits ($4.6 Billion in 2024) & CEO Tom Wilson makes $26 Million/year... They find ways to cheat their customers… double claims, low-ball estimates, pulling coverage, dropping coverage, etc.… They made me submit a new claim on top of an existing open claim for the same soft clog water backup, despite me expressing concern of being dropped for 'too many claims'. The repairs had not even started yet. They insisted that this was their process and I would not be dropped. About a month later, I receive a letter of nonrenewal for too many claims. This was very deceitful & unethical. I now pay almost 3x the premium through a local broker due to my claims history. After over 20 years of being a loyal customer, with auto, home, and landlord policies, & always pay my premiums, this is how I get treated. I urge everyone to watch the congressional hearing against Allstate for yourself on YouTube. Here is a snippet of the greed: **.

Brought house insurance. Paid for full year. Took money out of my account. Two days later they cancelled it. Talked to agent that sold it to me and they cancelled it. He said it was because my house is 31 years old but he knew that before he sold it to me no problem. But now he telling me I have to bundle car with it to cover my house.

Upon application, Allstate immediately cashed our check, and then asked us to submit pictures of the outside of the house. Two days later we received an email stating our house had received an “unacceptable rating” because in a picture we had submitted, Allstate saw “siding damage”. We were told to contact an agent, which we did via phone, but he just gave us the runaround, and had no more information than we did. There was no information identifying what “damage” they were referring to or what they wanted us to do to “fix” it. The agent had no answers, and said we would need to submit pictures of the area after it was fixed… but “fix” what? Of course in order for us to cancel it will take 10 days for them to refund our money. Disgusted with this company. We have an appointment this afternoon with an actual person in our town with a totally different company. Never again! “You’re in good hands”? What a joke!

I got a new policy and so far my experience is horrible! I cannot eSign documents. Customer service is outsourced to India and they just hang up on me without providing resolution. They do not respond by e-mail either. It was not vise to switch to Allstate, will run away from them next year!

I have been waiting on a refund for my homeowners policy since April 25, 2025 and every time I call I need something else now you been taking the money out of my account for years for my car insurance and now I had to show proof of the account did That they said they made a mistake and told me the wrong email address to send to and I would have to wait another 24 to 48 hours. I have never been so unhappy with an insurance company that I changed my car insurance. I will be telling everyone that I know not to go with Allstate insurance. What a rip off.

I started a claim and contacted by text a short time later and given a contact number and a name, Antonio **. They scheduled an appointment for an inspector to come to my home a survey the damage. After that took place I was told I would hear from the adjuster to advise how to proceed. I waited a few hours and when I hadn't heard from the adjuster I reached out to him. I had a brief conversation with him and asked how soon I might expect to hear from Allstate regarding removing the tree that had fallen on my house and possibly getting a tarp put to protect my home from further water damage and he claimed that he hadn't received any information from the inspector yet and if there was any further damage caused by the rain that I should just add it to my claim and that I should hear from him after he received the report from the inspector.

The WORST. They deserve negative zero stars for a rating. Our house sustained damage to the roof during a hail storm which was documented by one of the first people that they sent out complete with photos to substantiate our claim. Our roof was leaking water into our house and we had to watch the weather to know when to cover up our furniture and belongings because of this. It was awful. Allstate sent out yet another person to review the condition of our roof and that one directly contradicted the report of the first man and said that he did not see any hail damage at all. They then went on to contradict themselves by saying that they would give us roughly $1500 towards getting our rain damaged ceiling painted (won’t even cover that work fyi).

I have been living at my house for over 25 years. A majority of that time, Allstate has been my homeowners insurance. Recently, there was some terrible weather that caused a leak in my bedroom, right under the roof of the house. The damage was blatantly obvious. However, they sent their "contractor" to do an inspection and assess the damage. The guy that came out took pictures of areas that seemingly looked ok and even went on the roof and reported that "the roof looks good". That couldn't be farther from the truth though as a second opinion revealed extensive damages.

Attention Allstate customers, Please make sure you review your homeowners insurance policy. On April 2, 2025 in Indianapolis, Indiana. We had severe storms throughout the city As well as even some confirmed tornadoes that had touchdown in certain areas. But my house in particular was hit by severe wind damage. As a result of the wind damage, it knocked my gutter loose from my house, Which caused the water draining from my roof to fall directly into the window well of my basement, And from there, my window well Captured all the water that it could before ultimately causing my window to break open and gallons of water poured into my home!

You are Not in good hands with Allstate! It took months and 5-6 adjusters prior to any work starting. Then, they just patched here, there, and we still have leaks. The staff seems seriously incompetent and the company will do anything to avoid paying to fix it. We had two very large trees that fell in the house, shifted the entire house. Do yourself a favor and find a better insurance company.

Allstate Homeowners Insurance is extremely unfair in their review of claims. They deny claims that any other insurance company would honor. We have had nothing but bad experience with Allstate with homeowner claims. We will never use them again and don’t recommend anyone to use Allstate insurance for their homeowners insurance policies.

If I could rate Allstate with 0 stars I would definitely do so. My mother has been a customer for 57 years and had minimal claims within those 57 years. She recently received outside electrical damage due to a storm that featured high winds, heavy rains, hail and tornadoes. Allstate was fairly prompt in addressing the claim, however they do everything on the cheap. I had obtained an estimate from a reputable electrician but that wasn't good enough. They sent out another electrician, paid according to his estimate, which was less and contained less repairs. Then when I asked if I could contact this electrician they refused to share his information or provide me with a copy of his estimate. They just sent their pitiful settlement to me and left me to hang out dry.