Allstate
- Rates are cheaper than the national average.
- User-friendly website with many useful features.
- Rated below average in the latest customer satisfaction study from J.D. Power.
About Allstate renters insurance
Allstate renters insurance is a solid offering, earning 4.4 out of 5 stars from NerdWallet. It may be right for you if you want all the essential types of coverage, plus a few useful extras. You can get an Allstate renters insurance policy online or through local agents.
Best for: Renters looking for solid coverage from a well-established national insurer.
Not ideal for: Those whose top priority is customer service.
Where Allstate stands out
Affordable rates. At $143 per year, Allstate’s average renters insurance premium is less than the national average.
Broad availability. You can get Allstate renters insurance in every U.S. state and Washington, D.C.
Where Allstate falls short
Customer satisfaction. Allstate's renters insurance rated below average for customer satisfaction in J.D. Power’s 2025 U.S. Home Insurance Study.
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What Allstate renters insurance covers
Landlords sometimes require tenants to buy a policy with a minimum amount of liability insurance, but otherwise, the coverage you choose is generally up to you. Below are the four types of coverage included in most standard renters policies:
- Personal property
Personal property coverage can replace belongings such as furniture and electronics if they're stolen or damaged.
- Personal liability
Renters liability insurance pays out if you're responsible for injuring other people or damaging their property.
- Loss of use
Loss of use coverage pays for hotel stays, meals or other expenses if you have to live elsewhere while your home is repaired.
- Medical payments
Medical payments coverage pays to treat injuries to other people in your home, regardless of fault.
For more details, see What Does Renters Insurance Cover?
Optional coverage
You can also add the following coverage options to your Allstate policy:
Scheduled personal property. Covers expensive individual items, such as jewelry or electronics, that aren’t sufficiently insured by the standard policy.
Identity theft coverage. Covers lost wages, legal expenses and other costs if someone steals your identity.
Replacement cost coverage for personal property. Ensures that if your stuff is stolen or damaged, Allstate will pay enough for you to buy brand-new replacements. Without this upgrade, the company will pay less for older items that have lost value.
Most renters insurance policies don’t cover flood damage. If your home is at risk, you might want to consider buying flood insurance for renters.
Allstate renters insurance rates
Allstate renters insurance costs an average of $143 a year, or about $12 a month, according to NerdWallet’s rate analysis. That’s a little less than the national average of $151 per year. See how other large insurers stack up below.
Company | Average annual rate |
|---|---|
$110 | |
$118 | |
$143 | |
$155 | |
$193 | |
$202 | |
USAA* | $146 |
*USAA renters insurance is available to active military, veterans, some federal workers and their families. | |
Rates are based on a sample renter with $30,000 in personal property coverage, $100,000 in liability coverage and a $500 deductible.
» MORE: The cheapest renters insurance
Discounts
Depending on where you live, you may be able to lower your renters insurance premium by:
Buying multiple Allstate policies.
Signing up for autopay.
Having no recent claims on your record.
Having safety devices or services, such as fire alarms or security systems.
Being retired and at least 55 years old.
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Answer a few questions to get custom quotes and find the right policy for you.
Consumer complaints and satisfaction
Complaints: One strong sign of consumer satisfaction is how many people complain about their insurance company to state agencies. Allstate gets a middling score on this measure, drawing an average proportion of home insurance complaints compared to other U.S. insurers.
How we determined our complaint scores We analyzed three years' worth of complaint data from the National Association of Insurance Commissioners. When comparing insurers, we accounted for company size and total premiums. NAIC home insurance complaints cover various policy types, including homeowners, renters, mobile home and condo insurance.
J.D. Power rating: Allstate renters insurance ranked below average for customer satisfaction in J.D. Power’s 2025 U.S. Home Insurance Study.
Where Allstate renters insurance is available
Allstate renters insurance is available in all 50 states and Washington, D.C.
Availability may change at any time. Coverage may not be available to all renters in a given state.
Consumer experience
Website: You can get a quote, pay your bill, find an agent and file claims on the Allstate website. The “Resources” section has useful information on renters insurance.
App: Use the app to pay bills, see policy details, make a claim, check your home's climate risks and contact your agent. The app is available on both iOS and Android.
Claims: You can file and track renters insurance claims on the Allstate website or mobile app. If you’d rather do it by phone, call 800-255-7828 or contact your local agent. After a widespread disaster, you may even be able to file in person at an Allstate mobile claims center.
Customer service: Allstate’s online help center has a chatbot you can interact with. For more personalized assistance, send an email through the website, contact your agent or call 800-726-6033.
Allstate renters insurance vs. other insurers
Here’s how Allstate renters insurance stacks up against policies from other popular companies.
Allstate vs. State Farm renters insurance
The biggest differences between Allstate and State Farm renters insurance are:
Default personal property coverage. State Farm's policies often include replacement cost coverage for your personal belongings. Allstate typically charges extra for it.
J.D. Power ranking. State Farm ranked above average in J.D. Power’s latest customer satisfaction rankings, while Allstate was below average.
Learn more with our State Farm renters insurance review.
Allstate vs. GEICO renters insurance
The main differences between Allstate and GEICO renters insurance are:
Business structure. Allstate sells its own renters policies, while GEICO works with third parties.
Claims filing. With Allstate, you can file a claim through your agent, on the company website or app, or by calling Allstate directly. To file a GEICO renters claim, you’ll need to reach out directly to the third-party company.
Read our GEICO renters insurance review for more details.
Other Allstate products
NerdWallet's reviews of other Allstate insurance products can help you find the right coverage for your needs:
Other renters insurance companies to consider
Not ready to make a decision? You may be interested in these other renters insurance companies:
How we review renters insurance
Our editorial team considers these factors when reviewing renters insurance companies:
- 📞 Customer experience
This rating is based primarily on consumer complaints to state regulators, as reported by the National Association of Insurance Commissioners. We also evaluate whether companies have customer-friendly features such as online claims filing and quotes.
- 🛡️ Coverage
We look at how companies cover your personal belongings and how many common optional endorsements they offer.
- 💲Affordability
We evaluate the discounts a company offers and, when available, its median rates.
- 🏦 Financial strength
We use AM Best and Demotech ratings to confirm each insurer’s long-term financial stability and ability to pay claims.
See our complete renters insurance rating methodology.
Why you can trust NerdWallet
In our research, we analyzed:
More than 175 million renters insurance rates.
More than 100 insurance companies.
More than 150 renter profiles.
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.
Frequently asked questions
What other types of insurance does Allstate offer?
What other types of insurance does Allstate offer?
Allstate sells auto, homeowners, condo and business insurance, among other products. Allstate also offers pet insurance and event insurance through third-party providers.
Does renters insurance from Allstate cover flooding?
Does renters insurance from Allstate cover flooding?
A standard policy from Allstate doesn't include flood coverage. However, you can buy a separate flood insurance policy through an Allstate agent. Learn more about flood insurance for renters.
How can I cancel my Allstate renters insurance?
How can I cancel my Allstate renters insurance?
To cancel your renters insurance policy, contact your local Allstate agent or call the company.
Article sources
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.J.D. Power. 2025 U.S. Home Insurance Study. Accessed Dec 16, 2025.
Renters insurance star ratings methodology
NerdWallet’s renters insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including affordability, financial strength, consumer experience and coverage options. 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 renters insurance rating methodology.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners from 2022 through 2024. 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.
Renters insurance rates methodology
To find the average cost of renters insurance in the U.S., NerdWallet calculated the median rate for 30-year-old tenants from multiple insurance companies in every ZIP code across all 50 states and Washington, D.C. Sample tenants were nonsmokers with good credit and no recent claims, living in a two-bedroom apartment. They had a $500 deductible and the following coverage limits:
$30,000 in personal property coverage.
$100,000 in liability coverage.
$10,000 in additional living expenses 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.
We then compared the insurer's median rates to the median rates for other companies.
These are sample rates generated through Quadrant Information Services. Your own rates will be different.
