Allstate is available in all states and the District of Columbia except California. While it’s possible to get a quote online, you will need to work with one of Allstate’s local agents to purchase a policy. The agent can help you choose what levels of coverage you may need and whether to add any endorsements to your policy. Available options include coverage for home-sharing and for business inventory stored at your home in addition to more common add-ons like water back-up, scheduled personal property, and coverage to pay to bring your home up to current building codes after a covered loss. There are also endorsements to add additional coverage for musical instruments and sports equipment. Additional coverage will increase your premiums.
In terms of pricing, according to our data, Allstate is the fourth-cheapest company in our rating, less than 10 cents per month more expensive than Auto-Owners, the third-cheapest. Allstate offers many discounts, such as the multi-policy discount, claim-free discount, and discounts for signing up early, choosing automatic payments, and having a solid payment history.
Allstate’s Claims Handling:
Allstate tied for third place, alongside USAA and Nationwide, to earn 4.3 out of 5 points for claims handling. The average score is 4.2, which places Allstate above average in this category. Just over 86% of our survey respondents were either satisfied or completely satisfied with the ease of filing a claim. And over 85% were either satisfied or completely satisfied with how their claims were resolved.
Allstate’s Customer Service:
Allstate’s customer service score is 4.6 out of 5, which puts it in second place. Auto-Owners took first place with a score of 4.7. The average score is 4.1. Just over 84% of our survey respondents were either satisfied or completely satisfied with the ease of contacting customer service. Approximately 85% responded that they were satisfied or completely satisfied with the customer service provided.
Allstate’s Customer Loyalty:
Allstate is No. 3 in our rating for customer loyalty with 4.4 out of 5 points. The average is 4.2. USAA is in first place with 4.9 points, while Amica has 4.6 points in second place. 89% of people in our survey responded that they were likely or very likely to renew their Allstate homeowners insurance.
Allstate’s Value:
When surveyed for overall value, Allstate once again is above average, earning 4.7 out of 5 points to put in the second spot on our value subrating. The average is 4.2, and USAA earned top marks with a 4.8 score. Progressive, Auto-Owners, and Nationwide tie for third with 4.5 points. Of the respondents in our survey, almost 85% said they were satisfied to very satisfied with the value they received from their Allstate homeowners insurance policy.
“While insured with Allstate, the company provided great customer service. They completely managed the process of switching our homeowners insurance from another company to theirs. Also, when we pointed out an error regarding the specs for our house, they accepted responsibility and fixed it.”
A standard policy with Allstate does not include the following, which may be available as additional coverage for an extra cost:
Damage from a flood or earthquake, which your lender may require depending on where you live
Water backup from a clogged drain or failed sump pump
A home office if you work from home
Any apartment or space in your home that you rent to a tenant, along with outbuildings or structures not attached to the main structure
Allstate homeowners insurance doesn’t provide coverage for damage to your home or property caused by normal wear and tear. Instead, a home warranty may cover repair and replacement for normal use.
The standard monthly rate for Allstate homeowners insurance is $184.15, according to our data. This estimate is based on a 47-year-old married couple with excellent credit, no pets or prior claims, and living in a wood-frame house. Selected coverage includes $300,000 dwelling, $100,000 liability, and 50% personal property coverage. If you increase coverage levels to $500,000 for the dwelling and $300,000 in liability, the average monthly premium increases to just over $267.
Your own costs will vary depending on a variety of factors, including:
Location: The location of your home and geographical factors, like regional weather trends, play a key role in determining how much you will pay for insurance.
Size: In general, the larger your home is the more it will cost to insure.
Age and condition: Rates can vary based on the age and condition of your home. An old roof that will need to be replaced or building materials that are no longer used can raise your rates.
Insurance claim history: If you have a history of little to no insurance claims, you may see a discounted rate for your home insurance.
Value of your belongings: If you have a lot of valuables, you may pay more for additional insurance for your belongings.
Allstate offers a variety of discounts to help you save on your home insurance. To ensure that you get the best rate and coverage for your home, the company recommends talking to an insurance professional who can help identify all discounts that are available to you.
Multi-policy discount. By combining homeowners insurance with an auto policy, policyholders can save up to 25%.
Easy Pay Plan. You can save up to 5% by signing up for automatic premium payments.
Claim-free discount. Allstate offers a discount of up to 20% for new customers who have no recent claims and switch to Allstate.
Protective device discount. Homes with an alarm system or other types of protection against fire or theft may be eligible for a discounted rate.
Early signing discount. Allstate offers a discount of up to 10% for policyholders who sign up for a new policy at least seven days before their existing policy expires.
Welcome and loyalty discount. New Allstate customers can save up to 10% annually for switching from another company. That discount will continue every year you stay with Allstate.
Home buyer discount. Recent homebuyers or those purchasing a newly constructed home may be eligible for a discount.
Responsible payment discount. If you have a history of good payment practices, such as paying on time or paying in full, you may be eligible for this discount.
Key Takeaways:
Allstate ranks No. 3 in our Best Homeowners Insurance Companies rating, tied with Auto-Owners.
Allstate has the fourth lowest sample premium, averaging $184.15 per month for $300,000 in dwelling coverage.
This insurance provider ranks in the top 3 for all survey categories and earns the No. 2 spot for overall value.
Allstate doesn’t currently write new policies in California.
Founded in 1931, Allstate has grown to be one of the largest property and casualty insurers in the U.S. Allstate owns several other insurance companies, including Encompass and Esurance. It has an A+ (“Superior”) financial strength rating from AM Best and is based in Northbrook, Illinois.
