Last Updated: 04/18/2025
SuperMoney User Recommendation Score +82
Strongly recommended22 total votes
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Highlights
Community Rating
Strongly recommended
Financial Strength Rating
A+(Verified 04/18/2025)
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Allstate Home Insurance Review
Allstate Home Insurance is an insurance carrier based in Northbrook, IL. The company was founded in 1931 and offers home insurance in 50 states (and Washington, DC).
Allstate Home Insurance FAQ
What is the financial strength rating of Allstate Home Insurance?
The financial strength rating of an insurance company scores its ability to pay contracts and policies. Each agency has its own standards and rating scale and a company's rating can change any day. It's a good idea to check the financial rating of an insurance company before you purchase a policy. There are five main rating agencies. SuperMoney's financial strength rating is based, among other factors, on the average score from available ratings.
Allstate Home Insurance scores an A+ financial strength rating, SuperMoney's highest available rating.
What types of coverage does Allstate Home Insurance offer?
Home insurance includes a wide range of coverages. One of the best ways to saving money on your home insurance is to only pay for the coverage you need. Allstate Home Insurance offers the following types of home insurance coverage:
Dwelling Coverage:
Also called "dwelling insurance." This is the part of your homeowner's insurance policy that helps pay for the rebuilding or the repair of the physical structure of your home if it's damaged by a covered hazard.
Guest Medical Protection:
This helps visitors who are injured on your property. It can help cover the necessary medical expenses in an accident, regardless of who's at fault. Medical expenses covered usually include costs like ambulance rides, X-rays, surgical procedures, and hospital stays. Note that guest medical coverage doesn't apply to anyone who lives in the home or is listed on your policy.
Liability Coverage:
The personal liability coverage within your homeowner's policy offers coverage for bodily injury and property damage sustained by others for which you or covered residents of your household are legally responsible.
Other Structures Coverage:
This covers structures on the residence premises separated from the dwelling by a clear space or connected to the dwelling by a fence, utility line, or related connection. Examples include a detached garage, tool shed, driveway, swimming pool, gazebo, or fence.
Personal Property Protection:
This insurance protects the items in your home, like your furniture. If they're damaged or lost, personal property coverage could help you cover the cost of replacing them.
Reimbursed Living Expenses:
This coverage reimburses the insured for the cost of maintaining a comparable standard of living following a covered loss that exceeds the insured's normal expenses. For example, it could include an insured's motel bill while fire damage to the home is being repaired or replaced or until the insured moves to a permanent residence.
Allstate Home Insurance customers can also add the following riders or endorsements to their home insurance policies:
Earthquake Coverage:
This covers some of the losses and damage that earthquakes can cause to your home, belongings, and other buildings on your property.
Electronic Data recovery insurance:
This is the most surefire coverage option for businesses. Electronic data loss insurance is configured specifically for businesses that rely on data. This insurance may also cover the costs associated with downtime that occurs due to data loss.
Green Improvement Coverage:
This endorsement allows a home to be rebuilt with green materials or items to be replaced with more energy-efficient versions in the event of a covered loss.
Identity Theft Protection:
This rider protects homeowners in the event of identity fraud and pays for the cost of restoring their identity.
Personal Injury Liability Coverage:
This protects you against bodily injury and property damage for which you or the residents of your home are responsible.
Sewage and Drain Backup Coverage:
This coverage helps you repair water damage from overflowing drains and sewers, broken sump pumps, and damage that results from water moving from the ground up.
Valuable Items:
Valuable personal property coverage protects items such as expensive collections, engagement rings, watches, and other jewelry from theft, loss, or damage.
Yard and Garden Coverage:
This endorsement offers expanded coverage for items like trees, landscaping, tools, and riding lawnmowers.
How can you save money on a Allstate Home Insurance home insurance policy?
When you ask for a quote with Allstate Home Insurance, make sure you ask for all the discounts you qualify for. These are the property-specific discounts currently available.
- Alarm System
- Home Buyer
- Home Monitoring System
- Smoke Detectors
Want more discounts? Check the discounts tab for a full list of general policy discounts you can qualify for with Allstate Home Insurance.
What additional benefits does Allstate Home Insurance offer?
Allstate Home Insurance offers the following benefits to its customers:
24/7 Phone Availability:
Customer service is staffed around the clock.
Local Agents:
Perfect for people who prefer the personal touch of a local insurance agent.
Digital Claims Reporting:
Never fax or mail a document again.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from our editor
What we love about Allstate Home & Renters Insurance
Allstate is one of the largest, most financially stable insurers in the United States. The company offers a wide variety of insurance products, making it a solid choice for people who want to work with a single company for all of their insurance needs.
Allstate Home & Renters Insurance is relatively standard, but there are a few unique features. For example, the company’s optional Claim RateGuard will prevent your monthly premium from rising if you file a claim. You can also purchase a claim-free bonus to your policy, reducing your premiums for each year you don’t file a claim.
What could Allstate Home & Renters Insurance do better?
Allstate does a lot of its work through a large network of agents. If you like the idea of working with someone in person, that’s a plus, but if you’re looking for the convenience of managing most of the insurance process over the internet, Allstate may not be the best choice.
The company also tends to charge slightly higher premiums than the competition. If you want the cheapest possible insurance, you’ll likely want to choose a competitor instead.
Allstate Home & Renters Insurance’s backstory
Allstate Insurance is an American insurance company founded in 1931 and headquartered in Illinois. It offers a variety of insurance products, including auto, home, life, and renters insurance.
The Verdict
If you’re looking for personalized, in-person service, Allstate Home & Renters Insurance is a good choice. If you want the convenience of getting insurance online or simply want to find the lowest possible price for coverage, you should consider one of the company’s competitors.
Hours of Operation
Sunday
Closed
Monday
8:00AM - 5:00PM
Tuesday
8:00AM - 5:00PM
Wednesday
8:00AM - 5:00PM
Thursday
8:00AM - 5:00PM
Friday
8:00AM - 5:00PM
Saturday
Closed