Allstate renters insurance is a solid offering from one of the largest insurers in the U.S., covering the basics as well as a few useful extras. You can get an Allstate renters insurance policy online or through the company’s network of local agents, who also sell a variety of other insurance policies and financial products.
If you’re looking for a familiar, well-established brand that offers just about any insurance policy you need, Allstate might be right for you.
Allstate renters insurance pros and cons
|Offers a variety of discounts.||Has relatively few extra coverage options.|
|Has a useful home inventory feature in its mobile app.||Received more complaints to state regulators than expected for a company of its size.|
Allstate renters insurance rating
Allstate renters 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.
Based on these ratings, Allstate is among NerdWallet’s best renters insurance companies.
Allstate renters insurance coverage
An Allstate renters insurance policy includes the standard coverage you’d expect, including personal property coverage for your belongings, and liability and medical payments coverage in case someone is injured in your home. Allstate will also cover additional living expenses (such as hotel and restaurant bills) if you have to move out because of damage from a disaster covered in your policy. In most states, there’s no dollar cap on this coverage, though a 12-month limit may apply.
You can also add the following coverage options to your policy:
- Scheduled personal property, which covers expensive individual items such as jewelry or electronics that aren’t sufficiently insured by the standard policy.
- Identity theft coverage.
Allstate renters insurance discounts
You may be able to lower your renters insurance premium with the following discounts, depending on where you live:
- Multi-policy discount.
- Autopay discount.
- Claim-free discount.
- Discount for safety devices or services, such as fire alarms or security systems.
- Discount for retired policyholders who are at least 55 years old.
Allstate had more than the expected number of home insurance complaints to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners. (The NAIC’s home insurance complaints cover a range of policy types, including renters and condo insurance.)
» MORE: Allstate auto insurance review
More about Allstate
Website: You can do just about everything on Allstate’s website, including get a quote, pay your bill, find an agent, and file and track claims. The site’s “Tools & Resources” section has useful information on renters insurance.
App: You can pay your bill, access policy details, make a claim and contact your agent through Allstate’s mobile app, available on both iOS and Android. Particularly useful for renters is the app’s Digital Locker feature, which allows you to itemize your belongings and upload photos and receipts. Creating this type of home inventory makes filing a claim easier and can help ensure you get enough money to replace all your belongings after a disaster — not just the ones you recall off the top of your head.
State availability: Allstate renters insurance is available in all 50 states.
Other insurance: Besides renters policies, Allstate sells the following types of insurance:
|Auto insurance||Life insurance|
|Homeowners insurance||Condo insurance|
|Motorcycle insurance||Business insurance|
|Boat insurance||Snowmobile insurance|
|RV insurance||ATV insurance|
Allstate also offers pet insurance and event insurance through third-party providers.
» MORE: Allstate home insurance review