Allstate Homeowners Insurance Review
Allstate is one of the largest homeowners insurers in the United States, protecting millions of American homes through its national agent network and direct underwriting. The company offers comprehensive home insurance with several distinctive features including Claim Rateguard, Deductible Rewards, and the Welcome and Loyalty discounts. Whether Allstate is the right choice for your home depends on the value of these features for your situation and how the company prices coverage in your specific market.
This guide reviews Allstate homeowners insurance in detail including coverage options, pricing, claims experience, customer satisfaction, available discounts, and how the company compares to other major homeowners insurers.
Allstate Homeowners Insurance Overview
Allstate offers comprehensive homeowners insurance through its national network of more than 10,000 local agents combined with strong digital tools. The company writes coverage in nearly every state and serves homes ranging from modest properties to high-value luxury homes.
Allstate’s homeowners insurance is generally well-regarded for its comprehensive coverage options, strong claims service, and unique features that protect long-term customers. The company has historically maintained competitive market share through this combination of solid coverage and customer-friendly programs.
Coverage Options Available
HO-3 Special Form Policy
Allstate’s standard homeowners policy is the HO-3, which provides open-perils coverage for the dwelling structure and named-perils coverage for personal property. This is the most common homeowners policy type for owner-occupied homes.
HO-5 Comprehensive Form
Allstate offers HO-5 coverage in many markets, providing open-perils coverage for both the dwelling and personal property. This is broader than HO-3 and is often appropriate for higher-value homes.
HO-6 Condominium Insurance
Condo-specific coverage that addresses the split between unit owner responsibility and condo association master policy coverage.
HO-4 Renters Insurance
Renters insurance for tenants, providing personal property and liability coverage without dwelling coverage.
HO-8 Older Home Coverage
Designed for older homes where replacement cost would significantly exceed market value.
Standard Coverage Components
Dwelling Coverage
Allstate dwelling coverage protects the physical structure of your home including walls, roof, foundation, and built-in systems. The company offers replacement cost coverage with options for extended replacement cost coverage that adds protection if rebuild costs exceed expectations.
Personal Property Coverage
Allstate personal property coverage typically defaults to a percentage of dwelling coverage. Replacement cost coverage on personal property is available and recommended.
Other Structures
Coverage for detached garages, sheds, fences, and similar structures, typically set at 10% of dwelling coverage.
Loss of Use
Coverage for temporary living expenses if your home becomes uninhabitable, typically set at 20% to 30% of dwelling coverage.
Personal Liability
Coverage against lawsuits arising from incidents at your home. Standard limits start at $100,000, with higher limits up to $1 million typically available.
Medical Payments
Small no-fault coverage for guest injuries, typically $1,000 to $5,000 per person.
Allstate Unique Features
Claim Rateguard
Claim Rateguard prevents your premium from increasing due to your first claim. Once added to your policy, you can file one claim without seeing the typical post-claim surcharge that affects future premiums.
Deductible Rewards
For each claim-free year you maintain Allstate homeowners insurance, your deductible is reduced by $100. Over time, this can substantially reduce out-of-pocket costs when claims do occur.
Welcome and Loyalty Discounts
Allstate offers a Welcome Discount for new customers and progressive Loyalty Discounts for long-term customers. The Loyalty Discount grows over time, rewarding sustained customer relationships.
Identity Theft Protection
Allstate offers identity theft protection coverage as an endorsement to homeowners policies, including monitoring services and reimbursement for identity restoration costs.
Green Improvement Reimbursement
If your home is damaged and you choose to rebuild with environmentally-friendly materials, Allstate may provide additional coverage for the increased cost.
Allstate Homeowners Insurance Cost
Allstate homeowners insurance averages $1,750 to $2,400 per year nationally, with significant variation by location, home value, and coverage levels.
| Dwelling Coverage | Allstate Average Annual Premium | National Average |
|---|---|---|
| $200,000 | $1,150 to $1,650 | $1,000 to $1,500 |
| $300,000 | $1,500 to $2,100 | $1,300 to $2,000 |
| $400,000 | $1,900 to $2,700 | $1,700 to $2,700 |
| $500,000 | $2,300 to $3,300 | $2,100 to $3,400 |
| $750,000+ | $3,200 to $5,000+ | $3,200 to $5,000+ |
Allstate’s pricing tends to be slightly above the national average, with the trade-off being unique features like Claim Rateguard and Deductible Rewards that competitors typically do not match.
Available Discounts
Multi-Line Discount
Bundling homeowners with Allstate auto insurance produces some of the largest discounts available, typically up to 25% on both policies.
Welcome Discount
New Allstate homeowners customers typically receive a welcome discount during their initial policy period.
Claim-Free Discount
Customers without recent claims receive premium reductions reflecting their lower risk profile.
Loyalty Discount
Long-term Allstate customers receive progressive discounts based on tenure with the company.
Home Buyer Discount
Recently-purchased homes (typically within the last year) often qualify for premium discounts.
Hail Resistant Roof Discount
Homes with impact-resistant roofing materials in hail-prone areas may qualify for substantial discounts.
Protective Device Discount
Homes with smoke alarms, fire extinguishers, deadbolt locks, security systems, and similar safety features qualify for premium discounts.
Easy Pay Plan Discount
Setting up automatic premium payments may produce premium savings.
Higher Deductible Discount
Choosing a higher deductible reduces your premium. Standard deductible options typically range from $500 to $5,000 or higher.
Claims Experience
Allstate consistently scores at or above industry average in homeowners claims satisfaction. Several factors contribute to this performance.
Local Agent Advocacy
Your local agent serves as your advocate during claims, helping coordinate with adjusters, answering questions, and intervening if issues arise.
QuickFoto Claim
For some property damage situations, QuickFoto Claim allows photo-based estimating that can speed up the claims process.
24/7 Claims Filing
Claims can be filed any time through the mobile app, website, phone, or your local agent.
Good Hands Repair Network
Allstate has partnerships with restoration companies and contractors that can streamline emergency response and repair processes.
Pros and Cons of Allstate Homeowners Insurance
Pros
- Strong financial position (A+ from A.M. Best)
- Comprehensive bundling with auto and other insurance
- Unique features like Claim Rateguard and Deductible Rewards
- Above-average customer satisfaction rankings
- Strong claims handling reputation
- Comprehensive coverage options and endorsements
- Mobile app and digital tools for self-service
- Personal liability coverage up to $1 million available
- Replacement cost coverage standard on most policies
Cons
- Higher base pricing than some competitors
- Service quality depends on your specific local agent
- Some specific coverage areas have limited availability
- Some policy features more competitive at other carriers
How Allstate Compares to Other Major Insurers
| Insurer | Average Annual Premium ($300K Coverage) | Strengths |
|---|---|---|
| State Farm | $1,500 | Bundling, local agents |
| USAA (military families) | $1,300 | Military focus, ratings |
| Travelers | $1,650 | Strong coverage breadth |
| Nationwide | $1,600 | Member benefits |
| Farmers | $1,700 | Coverage options |
| Allstate | $1,750 | Unique features, claims service |
| Liberty Mutual | $1,800 | Customization options |
Who Should Choose Allstate Homeowners Insurance?
- Households bundling auto and home insurance
- Customers wanting unique features like Claim Rateguard and Deductible Rewards
- Long-term customers benefiting from Loyalty Discounts
- People who value local agent relationships
- Homeowners in areas where Allstate has competitive market positioning
- Customers wanting comprehensive single-carrier insurance
Who Should Look Elsewhere?
- Customers seeking absolutely lowest standalone homeowners pricing
- Homeowners in high-risk areas where Allstate has limited availability
- Military families who qualify for USAA
- Customers needing specialty coverage Allstate does not offer well
How to Get the Best Allstate Homeowners Quote
Bundle Auto and Home
This is the single largest discount available. Combining auto and home with Allstate typically saves 20% to 25% on both policies.
Add Claim Rateguard
For drivers concerned about post-claim premium increases, Claim Rateguard provides peace of mind for a modest additional cost.
Take Advantage of Deductible Rewards
This feature is automatic for many Allstate homeowners customers and provides increasing value over time.
Set Appropriate Deductibles
Higher deductibles reduce premiums. The right deductible reflects your ability to absorb out-of-pocket costs.
Apply All Available Discounts
Ask your agent specifically about every available discount.
Compare Against Other Carriers
Even if you stay with Allstate, comparing rates from other insurers ensures you are getting competitive pricing. The team at Matrix Insurance can help compare Allstate against other top carriers.
Our broader guide on what homeowners insurance is and how it works provides additional context for evaluating any homeowners policy.
Frequently Asked Questions
Is Allstate good for homeowners insurance?
Allstate is generally a solid choice for most homeowners. The company offers comprehensive coverage, unique features like Claim Rateguard and Deductible Rewards, and strong claims handling. Pricing tends to be slightly above the national average, but the unique features can offset higher costs for the right customers.
Does Allstate offer flood insurance?
Allstate sells flood insurance through the National Flood Insurance Program (NFIP) in most areas. Some private flood insurance options may also be available depending on your location.
How much does Allstate homeowners insurance cost per month?
Monthly costs typically range from $100 to $300 for most homeowners depending on home value, location, and coverage levels.
Does Allstate cover roof replacement?
Allstate covers roof replacement when damage results from covered perils like wind, hail, fallen trees, or fire. The age and condition of your roof affect coverage and may shift coverage from replacement cost to actual cash value for older roofs.
Can I cancel Allstate homeowners insurance?
Yes, you can cancel Allstate homeowners insurance at any time. Contact your local agent or call 1-800-255-7828. You typically receive a refund for unearned premium for the remainder of the policy term.
Does Allstate offer earthquake insurance?
Allstate offers earthquake coverage as an endorsement in earthquake-prone states. The coverage is separate from standard homeowners and has its own deductible structure.
What is Allstate’s homeowners insurance phone number?
For general customer service: 1-800-255-7828 (1-800-ALLSTATE). For claims: same number, available 24/7. For policy questions, contacting your local agent is often the fastest route to specific answers.
The Bottom Line
Allstate offers solid homeowners insurance with distinctive features like Claim Rateguard, Deductible Rewards, and progressive Loyalty Discounts. The company combines comprehensive coverage with above-average customer service and reliable claims handling.
For most homeowners, Allstate is worth serious consideration during the insurance shopping process. The combination of bundling opportunities, unique features, and reliable service makes it a strong choice for homeowners who value those benefits over absolute lowest pricing.
The team at Matrix Insurance can help you compare Allstate homeowners insurance against other top carriers to find the best combination of coverage, service, and price for your home. Use our Home Insurance Calculator for a starting estimate, or reach out to our team directly for a personalized quote comparison.
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