Allstate Homeowners Insurance Review 2024
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Allstate
Coverage options
Discounts
NAIC complaints
Allstate
Coverage options
Discounts
NAIC complaints
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Allstate home insurance review
Allstate homeowners insurance earned 4.5 stars out of 5 for overall performance. With its range of coverage options and robust mobile app, Allstate home insurance is worth considering. 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.
Where Allstate home insurance stands out
Coverage. Allstate offers many ways to customize your policy, including less common options such as home-sharing coverage.
Discounts. Thanks to the company's lengthy list of potential discounts, there's a good chance you'll be able to save money on Allstate home insurance.
Where Allstate home insurance falls short
Availability in select states. Homeowners in California, Connecticut, Florida and New Jersey will need to find other alternatives.
Customer satisfaction. Allstate was ranked below average for customer satisfaction in J.D. Power’s 2024 U.S. Home Insurance Study.
Why Allstate home insurance is worth a look
State availability
Allstate sells new homeowners insurance policies in Washington, D.C., and every state except California, Connecticut, Florida and New Jersey.
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 sheds or fences. | |
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. | |
Covers injuries to guests in your home, regardless of fault. |
For more details, see What Does Homeowners Insurance Cover?
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.
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. 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.
What Allstate home insurance doesn't cover
Standard Allstate homeowners insurance policies don’t cover damage due to:
Flooding.
Backed-up sewers or drains.
Lack of maintenance.
You may be able to buy optional coverage from Allstate to cover some of these scenarios.
Allstate home insurance rates
NerdWallet compared Allstate's average home insurance rates with those of other widely available insurers across the U.S. At $2,205 a year, Allstate's rate was above the national average of $1,915. Less expensive competitors include Progressive and State Farm.
Company | Average annual rate |
|---|---|
$1,815 | |
$1,935 | |
$2,010 | |
$2,205 | |
$2,270 | |
$2,415 | |
USAA* | $1,875 |
*USAA homeowners insurance is available only to active-duty military members, veterans and their families. | |
Our sample rates are for 40-year-old homeowners with good credit, a $1,000 deductible, $300,000 in dwelling coverage and $300,000 in liability insurance. Your rates will be different.
When comparing quotes, look carefully at how much coverage is included. For example, one company’s rate may be cheaper than another because it has lower coverage limits or doesn’t have as many extras. Check the deductibles, too — a higher one can save you money, but it means you’ll pay more if you ever have to make a claim. Learn more about how to compare home insurance quotes.
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 with Allstate.
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 or security devices.
Getting a new policy at least a week before the previous one expires.
Not having a mortgage.
Being a nonsmoker.
Protecting your home against wind damage.
Being a senior or retiree.
Consumer complaints
Allstate had close to 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.
» MORE: Allstate life insurance review
What Reddit users say about Allstate
Reddit is an online forum where users share their thoughts in “threads” on various topics. The popular site includes plenty of discussion on financial subjects like home insurance, so we sifted through Reddit forums to get a pulse check on how users feel about insurers. People post anonymously, so we cannot confirm their individual experiences or circumstances.
Reddit comments about Allstate home insurance are largely negative, with numerous posters complaining about how Allstate resolves (or fails to resolve) claims. Wind and hail damage to roofs seems to be a particular bone of contention, with many posters struggling to get Allstate to pay these types of claims. Several Redditors say that even if Allstate’s rates are cheaper than the alternatives, the savings may not be worth it.
Questions from Reddit: Our experts answer
How do I decide between home insurance from Allstate and other companies?
Although price is important, it shouldn’t be the only factor you consider when comparing home insurance quotes. Look carefully at the coverage on each policy. Are your belongings covered for their actual cash value or their replacement cost? How much dwelling coverage does each policy offer for your home? Which company has fewer consumer complaints? (NerdWallet’s home insurance reviews include information about each company’s ratio of consumer complaints.)
Can you still get homeowners insurance from Allstate if you have a recent claim?
It can be difficult to find a new homeowners insurance policy if you’ve filed a claim recently. Claims stay on your record up to seven years, and they’re visible to other insurers, not just your current one. Insurance companies may charge you a higher rate if you have a history of claims, or even decline to write you a policy at all. If you’re having trouble finding coverage, consider reaching out to an independent insurance agent to help you shop around.
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, file claims and check your home's climate risks 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 800-255-7828. 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 800-726-6033. You can also email Allstate through its website.
Allstate home insurance vs. competitors
Allstate home insurance vs. State Farm
Insurer | ||
Star rating | ||
Policy highlight | Widely available across the U.S. with many ways to save on your policy. | Policies come with extra coverage for the structure of your home. |
Bottom line | State Farm’s default coverage is more generous than Allstate’s, but Allstate offers more discounts. State Farm's average premiums were lower than Allstate's in our rate analysis. See Allstate vs. State Farm Home Insurance to learn more. | |
Allstate home insurance vs. Geico
Insurer | ||
Star rating | Not rated | |
Policy highlight | Widely available across the U.S. with many ways to save on your policy. | Sells home insurance through third parties. |
Bottom line | 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. | |
Allstate home insurance vs. Farmers
Insurer | ||
Star rating | ||
Policy highlight | Widely available across the U.S. with many ways to save on your policy. | Offers policy add-ons like diminishing deductibles and claims forgiveness. |
Bottom line | Farmers and Allstate both offer discounts for bundling multiple policies or having certain safety and security devices in your home. But Farmers draws fewer complaints to state regulators than expected for a company of its size, while Allstate draws about the expected number. | |
How we rate homeowners insurance
NerdWallet’s star ratings reward companies for consumer-first features and practices. We evaluate factors such as financial strength, consumer complaints, coverage, discounts and customer experience.
In our research, we analyzed:
More than 270 million homeowners insurance rates.
More than 50 insurance companies.
Nearly 200 homeowner profiles.
View our complete homeowners insurance rating methodology.
Methodology
Homeowners insurance star 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.
Here’s how we weighted each category to come up with our list of the best home insurance companies:
Consumer complaints (30%).
Financial strength (30%).
Coverage (20%).
Consumer experience (10%).
Discounts (10%).
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 2021-2023. 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 calculated median rates for 40-year-old homeowners from various insurance companies in every ZIP code across the U.S. All rates are rounded to the nearest $5.
Sample homeowners were nonsmokers with good credit living in a single-family, two-story home built in 1984. 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.
We made minor changes to the sample policy in cases where rates for the above coverage limits or deductibles weren’t available.
These are sample rates generated through Quadrant Information Services. Your own rates will be different.
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