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What to Know
Allstate home insurance is sold in all 50 states and Washington, D.C. You can get a quote, buy a policy and file a claim online. Still, the company's network of more than 27,000 exclusive agents and sales professionals helps anyone looking to work directly with an agent.
Allstate home insurance includes six standard policy types and nine discounts.
Allstate
Best for Local Agent Support- Discounts
- 9
- Online Quotes
- Online Policy Purchase
Why We Like Allstate
Allstate is our pick for local agent support, and it gives you a long list of add-ons to build from. HostAdvantage covers homeowners who rent their home on a short-term basis, service line coverage protects buried utility lines, and extended replacement cost gives you room above your dwelling limit if rebuilding costs more than expected.
Pros and Cons
Pros
- Available in all 50 states and D.C.
- Offers flood insurance
Cons
- No earthquake coverage option
Solvable's Take on Allstate Homeowners Insurance
Allstate is the right pick if you want an agent to sit down with you and price a policy piece by piece, and if you're willing to pay for those pieces. Three add-ons should be on almost every Allstate quote you compare. Water backup coverage fills the policy's exclusion for sewer and drain backup, which matters most if you have a finished basement or a sump pump.
Service line coverage is for owners of older homes, where the buried water, sewer and utility lines that run from the street to the house have been in the ground for decades. Extended replacement cost is for anyone whose dwelling limit was set a few years ago and hasn't kept up with what it would cost to rebuild today. That gap shows up after a total loss, when rebuilding costs exceed the limit, and you must cover the difference.
Two more add-ons fit narrower situations. HostAdvantage is built for short-term rentals. Valuable items coverage is for jewelry, antiques or musical instruments worth scheduling on their own. If you price an Allstate policy without those first three, you're comparing a stripped-down policy against other insurers, and that comparison won't tell you much.
Allstate falls short in a few places that add-ons can't fully fix. It doesn't offer earthquake coverage, and earth movement is excluded. Flood insurance, however, is available through Allstate as a separate policy.
Damage that happens while the home is vacant or under construction is excluded, which matters if you split time between houses or are partway through a renovation. Freezing damage is excluded if you don't keep the heat on. Wear and tear and lack of maintenance are excluded too, so a slow leak you put off fixing won't become a claim.
Allstate Homeowners Insurance Discounts
Allstate lists the homeowners discounts below. Eligibility depends on your state and situation, so ask for every one that might apply when you get a quote, especially if you already carry another Allstate insurance product.
- Multi-policy
- Responsible Payer
- Claim-free
- Welcome & Loyalty
- Home Buyer
- Easy Pay Plan
- Protective Device
- Early Signing
- Windstorm Mitigation (Florida only)
Allstate Homeowners Insurance Coverage
Dwelling
Dwelling coverage pays to repair or rebuild your house after a covered loss. Your dwelling limit is the most it pays, which is why it's worth pricing out extended replacement cost.
Other structures
Other structures coverage pays for things on your property that aren't attached to the house, such as a detached garage, fence or shed.
Personal property
Personal property coverage pays for your belongings, and Allstate's standard policy includes replacement cost. This means the policy pays what it costs to buy the item new instead of what your used item was worth after depreciation.
Loss of use
Loss of use coverage pays the extra living costs, such as a hotel or rental, when a covered loss makes your home uninhabitable during repairs.
Personal liability
Personal liability coverage pays when you're legally responsible for injuring someone or damaging their property, including legal defense costs if you're sued.
Medical payments
Medical payments coverage pays smaller medical bills for guests hurt on your property, regardless of fault.
Frequently Asked Questions
Is Allstate home insurance good?
It depends on what you're looking for. Allstate is our pick for local agent support, and add-ons such as water backup, service line coverage and extended replacement cost make it a reasonable fit for homeowners who want to build out their protection with someone to walk through it.
Does Allstate home insurance cover flooding?
Allstate's standard homeowners policy excludes flooding. The company sells flood insurance as a separate policy. If you have a mortgage, check whether your lender requires it.
Does Allstate homeowners insurance cover water backup?
Water backup, such as a sewer or drain backing up into your basement, isn't part of Allstate's standard coverage, but it's available as an optional add-on. If you have a basement, a sump pump or older plumbing, ask your agent about it.
Can I bundle Allstate insurance for my home and car?
Yes. Allstate offers a multi-policy discount for bundling home and auto coverage under one account. Before you commit, get a quote for the bundle and a separate quote for just the home policy, then run both through an insurance comparison tool to see how they stack up against other carriers.
