Allstate Homeowners Insurance Review 2022

Allstate, one of the largest insurers in the country, offers many coverage options and discounts for its homeowners policies.
Apr 25, 2022

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With its competitive rates, wide range of coverage options and robust mobile app, Allstate home insurance is worth considering. You can get a quote online or talk to a local agent to go over your alternatives.

Allstate is the nation’s second-largest home insurer and sells various products such as car and life insurance, IRAs and 529 plans. If you’re looking for a well-known company that can provide all of your policies, Allstate might be a good fit.

How we rate homeowners insurance companies

Our star ratings are based on consumer complaint data from the National Association of Insurance Commissioners; financial strength grades from AM Best; coverage and discounts available; and the overall consumer experience. See our criteria for evaluating home insurance companies.

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Allstate home insurance pros and cons

Pros

Cons

Lots of discounts available.

More than the expected number of complaints to state regulators.

Ability to see if you’ve been part of any data breaches through its mobile app.

Many ways to customize your coverage.

How Allstate home insurance rates

4.0

NerdWallet rating 

Allstate homeowners insurance earned 4 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account coverage and discounts, ease of filing a claim, website transparency, financial strength, complaint data from the National Association of Insurance Commissioners and more.

State availability

Allstate sells homeowners insurance in all 50 states and Washington, D.C.

Allstate home insurance coverage

You can customize your homeowners policy with numerous add-ons, but below are the types of coverage that generally come standard:

Type of coverage

What it does

Pays to repair or rebuild the structure of your home.

Covers damage to unattached structures such as a shed or fence.

Pays to repair or replace personal belongings such as furniture or clothing.

Pays for hotel stays, restaurant meals or other expenses if you have to live elsewhere while your home undergoes covered repairs.

Covers legal expenses and damages if you're responsible for injuries to other people or their property.

Medical payments

Covers injuries to guests in your home, regardless of fault.

In addition to standard elements of a homeowners policy, Allstate offers these optional add-ons for those seeking extra coverage:

  • Identity theft restoration, which pays legal fees and other costs if your identity is stolen.

  • Water backup coverage for damage caused by a backed-up drain or broken sump pump.

  • Increased coverage for valuable items like sports equipment, musical instruments, jewelry or antiques. An appraisal may be required.

  • Business property coverage, which offers higher limits for business-related items stored in your home.

  • Green improvement reimbursement, which pays to replace damaged items with energy-efficient versions after a covered claim.

  • Yard and garden coverage, which raises your limits on items like trees, plants and lawn mowers.

  • Electronic data recovery coverage to pay for lost photos, videos or other files on your personal computer.

  • Reimbursement provision, which pays you back for brand-new replacements for items stolen or destroyed in a covered claim. If you choose not to replace an item, Allstate will cover its depreciated value.

  • HostAdvantage, which is designed for those who temporarily rent out their homes through Airbnb or similar services. This home-sharing insurance pays out if renters destroy or steal your personal property, which homeowners insurance doesn’t cover, up to $10,000 per rental host period.

You can also upgrade your policy with the Enhanced Package, which includes three benefits. The Deductible Rewards feature takes $100 off your deductible as soon as you sign up, plus an additional $100 off for each year you go claim-free, up to a total of $500. You’ll also get 5% off your annual renewal rate if you didn’t file a claim in the previous year. And if you do file a claim, your rates won’t go up unless you exceed one in a five-year period.

Not all optional coverage types are available in all states.

Allstate home insurance rates

NerdWallet compared Allstate's average home insurance rates to those of other widely available insurers across the U.S. At $1,632 a year, Allstate's rate was less than the national average. Of the other companies we compared, only State Farm was less expensive, on average.

Our sample rates were calculated for 40-year-old homeowners with a $1,000 deductible, $300,000 in dwelling coverage and $300,000 in liability insurance. Your own rates will be different.

Discounts

Allstate offers a variety of ways to save on homeowners insurance, which differ by state but may include the following discounts:

  • Multipolicy discount.

  • Claim-free discount.

  • Discount for paying in full or through an escrow account.

  • Discount for buying a newly constructed home.

  • Recent home buyer discount.

  • Welcome and loyalty discounts.

  • Autopay discount.

  • Discount for safety and security devices.

  • Early signing discount for getting a new policy at least a week before the previous one expires.

Consumer complaints

Allstate had more than the expected number of complaints to state regulators relative to its size for home insurance, according to three years’ worth of data from the National Association of Insurance Commissioners.

Consumer experience

Website: Allstate’s site makes it easy to file and track claims, get a quote and pay your bill. It’s also got an extensive collection of articles, videos, quizzes and calculators to help you learn more about home insurance.

App: You can pay bills, view policy documents, contact your agent and file claims through Allstate’s mobile app.

Homeowners insurance buying guide

You can get home insurance quotes online, over the phone or through an agent. But before you start, take the following steps:

  1. Determine how much coverage you need. Is a standard policy sufficient, or do you want to add extra insurance for situations like identity theft or sewer backups? Check whether each company you’re considering has the options you need.

  2. Take inventory. To ensure you have sufficient personal property coverage, take stock of your belongings. Include all furniture, electronic devices, clothing, jewelry and household items. How much would it cost you to replace them? This total is the minimum amount of personal property insurance you should have.

  3. Make a fair comparison. When evaluating rates, make sure each insurer is offering the same limits and deductibles.

  4. Check consumer complaints. Although it may seem tempting simply to choose the cheapest option, look at how many consumer complaints each insurer has before choosing a policy. Poor customer service could have a significant impact on your experience if you ever need to file a claim.

How to file a homeowners insurance claim

File as soon as it’s safe. The sooner you report a theft or damage to your home, the sooner your insurer can assign an adjuster and start working on paying out your claim. Some companies let you file claims online or through their app, while in other cases you may have to call your agent or insurer instead. Have your policy number handy.

Document the damage. Bolster your claim by taking photos or video of all damage. If something was stolen, report it to the police before you contact your insurance company. Your insurer may ask for a copy of their report.

Prevent further damage. After you’ve taken pictures of everything broken or destroyed, take steps to prevent additional damage. For example, you can put a tarp over a leaky roof or blown-out window. Keep receipts for any supplies you buy, as your insurer may reimburse you later.

For more information, see how to file a homeowners insurance claim.

Other home insurance companies to consider

Not ready to make a decision? You may be interested in these other homeowners insurance companies:

Frequently asked questions
Does Allstate insure mobile and manufactured homes?

Yes. Allstate’s manufactured home policies cover your belongings, the structure of the home and your personal liability, with options to add extra types of coverage. Learn more about manufactured and mobile home insurance.

What other insurance does Allstate offer?

Allstate offers a variety of other policies, including auto, life, renters, boat and umbrella insurance. Learn more in NerdWallet’s Allstate auto insurance review.

Does Allstate home insurance cover termites?

Termites and other infestations are generally not covered by homeowners insurance policies, as keeping your home free of bugs is considered part of regular maintenance. However, your policy may cover rare scenarios such as a fire caused by termites eating through a wire. That’s because fire is one of the disasters covered by a standard homeowners policy. Learn more about homeowners insurance coverage.

Methodology

Homeowners insurance ratings methodology

NerdWallet’s homeowners insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverages, discounts, online experience and more. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.

Insurer complaints methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2018-2020. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. Ratios are determined separately for auto, home (including renters and condo) and life insurance.

Homeowners insurance rates methodology

NerdWallet averaged rates for 40-year-old homeowners from a variety of insurance companies in every ZIP code across all 50 states and Washington, D.C. Sample homeowners were nonsmokers with good credit living in a single-family, two-story home built in 1997. They had a $1,000 deductible and the following coverage limits:

  • $300,000 in dwelling coverage.

  • $30,000 in other structures coverage.

  • $150,000 in personal property coverage.

  • $60,000 in loss of use coverage.

  • $300,000 in liability coverage.

  • $1,000 in medical payments coverage.

These are sample rates generated through Quadrant Information Services. Your own rates will be different.

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