Allstate Homeowners Insurance Review 2023

Allstate, one of the largest insurers in the country, offers many coverage options and discounts for its homeowners policies.
Sarah Schlichter
By Sarah Schlichter 
Edited by Caitlin Constantine

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Allstate

4.0

NerdWallet rating 
Widely available across the U.S. with lots of ways to customize your policy, but receives more complaints than expected.

Coverage options

More than average

Discounts

Great set of discounts

NAIC complaints

More than expected
insurance-product-card-logo

Allstate

4.0

NerdWallet rating 
Widely available across the U.S. with lots of ways to customize your policy, but receives more complaints than expected.

Coverage options

More than average

Discounts

Great set of discounts

NAIC complaints

More than expected

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, individual retirement accounts and 529 college savings plans. If you’re looking for a well-known company that can provide all of your policies, Allstate might be a good fit.

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.

Our writers and editors follow strict editorial guidelines that ensure fairness and accuracy in order to help you choose the financial products that work best for you. Here is a list of our partners, and here’s how we make money.

Allstate home insurance star rating

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 new homeowners insurance policies in Washington, D.C., and every state except California.

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 someone steals your identity.

  • 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. You may need to get an appraisal from a jeweler or other expert.

  • 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.

  • Replacement cost coverage, which pays you back for 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.

  • Ordinance or law coverage, which pays to bring your home up to current building codes during covered repairs.

  • Extended replacement cost coverage for the structure of your home, in case it costs more than expected to rebuild after a disaster.

  • Personal injury coverage, which expands your liability insurance to include scenarios like libel or slander.

  • Service line coverage to pay for damage to water, sewer or other lines that connect your home to public utilities.

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. You must add this package within 60 days of buying the policy to get all the benefits.

Not all optional coverage types are available in all states.

Allstate home insurance rates

NerdWallet compared Allstate's average home insurance rates with 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.

Company

Average annual rate

$1,529.

$1,632.

$2,066.

$2,207.

$1,724.

*USAA homeowners insurance is available only to active-duty military members, veterans and their families.

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 rates will be different.

Discounts

Allstate offers a variety of ways to save on homeowners insurance. Depending on where you live, you may be able to get a discount for:

  • Having multiple policies.

  • Not filing claims.

  • Paying in full or through an escrow account.

  • Buying a newly constructed home.

  • Being a recent home buyer.

  • Being a new or loyal policyholder.

  • Enrolling in autopay.

  • Having safety, security and/or smart-home devices.

  • Getting a new policy at least a week before the previous one expires.

  • Not having a mortgage.

  • Being a nonsmoker.

  • Taking wind mitigation measures.

  • Being a senior or retiree.

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 also has an extensive collection of articles, videos 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.

Claims: You can file a claim through your online account, by calling your agent or by calling the company’s claim support line at 800-669-2214. Allstate will assign you a claim number, review the damage and offer an estimate for repairs. You can choose a contractor from Allstate’s repair network or hire your own to complete the repairs. For advice, see how to file a home insurance claim.

Customer service: You can get support from Allstate by calling your local agent or dialing 800-676-5456. You can also send a message to your agent through the mobile app or email Allstate through its website.

Where Allstate stands out

Coverage. Allstate offers a wide range of ways to customize your policy, including less common options such as home-sharing coverage.

Affordability. With an average rate lower than the national average and a lengthy list of potential discounts, Allstate home insurance may be cheaper than your current insurer.

Where Allstate falls short

Consumer complaints. Allstate draws a higher number of complaints to state regulators than many of its competitors of similar size.

Allstate vs. competitors

Allstate vs. State Farm home insurance

The most important difference between Allstate and State Farm home insurance is the way each company covers the structure of your house. State Farm generally includes up to 20% of extra coverage above your dwelling coverage limit in case it costs more than expected to rebuild your home. Allstate offers this option at an additional cost.

Another key difference is that State Farm draws fewer consumer complaints to state regulators than expected for a company of its size, while Allstate draws more.

Allstate and State Farm are two of America’s largest and most established insurers, offering policies across most of the country. They have lengthy lists of coverage options, though Allstate advertises more discounts.

Check out our State Farm home insurance review to learn more.

Allstate vs. Geico home insurance

The biggest difference between Allstate and Geico home insurance is that Allstate sells its own policies while Geico works with third parties. When you get a homeowners insurance quote from Geico, the company will match you with another insurer such as Homesite, Liberty Mutual or Travelers. That means your coverage and discount options may vary, and you’ll have to file any claims through the third party.

Geico and Allstate offer bundling discounts if you buy homeowners and another type of policy, such as auto insurance.

Get more details in our Geico home insurance review.

Allstate vs. Farmers home insurance

Allstate and Farmers home insurance differ in the way they handle dwelling coverage, or coverage for your home’s structure. In most states, Farmers includes extended replacement coverage, which offers a financial cushion in case the cost of rebuilding your house is higher than expected. Allstate charges extra for this coverage.

Farmers and Allstate otherwise have a lot in common, including discounts for bundling multiple policies or having certain safety and security devices in your home. They have robust websites featuring online quotes, claim filing and tracking, bill payment and educational information about insurance.

Learn more with our Farmers home insurance review.

Is Allstate home insurance right for you?

If you’re looking for a nationally known insurer with reasonable rates and plenty of coverage options, Allstate may be a good bet. It’s also worth considering if you prefer to work with a local agent to buy and service your policy.

Frequently asked questions

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.

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

Homeowners insurance policies generally don’t cover termites or other infestations because insurers consider keeping your home free of bugs a 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 a standard homeowners policy covers. 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, coverage, discounts and online experience. 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 full ratings methodology for home insurance.

Insurer complaints methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2019-2021. 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. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. 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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