While Allstate is better known for its car insurance policies, it also offers home insurance. It stands out from others for its wide variety of discounts and its HostAdvantage® policy that covers stolen property if you rent your furnished home.

You can also benefit from online quotes and the ability to work with an insurance agent.

While there are benefits to working with Allstate, its review count on BestCompany.com is low. It's promising that most of these reviews are positive. However, a few reviewers discuss serious concerns with the claims process.

Read Allstate Home Insurance Reviews

Top Ranked Companies

#1 Lemonade

6.5 Overall Score

4.8

star star star star star

(372)

View Profile Visit Site View Profile

#2 State Farm

6.1 Overall Score

4.3

star star star star star_half

(431)

1-(855) 611-1270 Visit Site 1-(855) 611-1270

#3 Policygenius

6.0 Overall Score

5.0

star star star star star

(65)

View Profile Visit Site View Profile

thumb_up

The Good

Large Variety of Discounts
Customizable Policies
Multiple Types of Homes Covered
HostAdvantage^® Policy
Online Quotes
Competitive Financial Strength Rating

Large Variety of Discounts

One of the biggest advantages of choosing Allstate homeowners insurance is its selection of discounts. Some of the key discounts it offers are as follows:

Easy Pay Plan^® (discount for setting up automatic payments)
Multi-policy
Claim-free
Protective device
Early signing
Welcome and loyalty
Home buyer
55 and Retired
Smoke-free
Home features (storm shutters, hail-resistant roofs, etc.)

With so many discounts, Allstate makes it easy to save on premiums.

Customizable Policies

Allstate offers the standard options for the industry including dwelling coverage, liability coverage, personal property coverage, and medical payments coverage.

Allstate's home insurance policies can be customized to include unique features like green improvement reimbursement, yard and garden, electronic data recovery, musical instruments, sports equipment, business property, scheduled personal property, water backup, and identity theft restoration.

An Allstate insurance agent can also help you buy flood insurance from the National Flood Insurance Program. Its homeowners policies do not cover floods, which is typical for the industry.

This optional coverage builds on your home insurance policy to offer extra protection to meet your insurance needs.

While some of this additional coverage is also available through other homeowners insurance companies, Allstate stands out for the green improvement reimbursement coverage option.

Multiple Types of Homes Covered

In addition to houses, Allstate offers insurance policies for landlords, condos, and mobile homes. Whatever building you call home, Allstate has coverage options to meet your needs.

HostAdvantage^® Policy

Allstate further stands out from other insurers with its HostAdvantage^® policy. This policy offers coverage for stolen belongings if you are sharing your home temporarily with renters.

You can identify the items in your home through Allstate's app using the Digital Locker^® Tool.

This policy also includes a Merry Maids discount on your first four cleanings.

If you're renting your furnished home, Allstate's HostAdvantage^® policy offers helpful insurance coverage.

Online Quotes

Allstate makes it easy to get an online quote for home insurance coverage. After providing some personal information, you can view insurance rate quotes. You can also save your quotes and return to them later.

While common among companies offering online quotes, the ability to save your insurance quote makes it easy to view costs, check other homeowners insurance policy options, and return if Allstate is the best fit.

Competitive Financial Strength Rating

Allstate has received a high financial strength rating from A.M. Best. This rating indicates that Allstate is financially stable and likely to be able to meet claims obligations.

Most competitive insurers have high financial strength ratings, so Allstate's rating makes it competitive.

thumb_down

The Bad

Limited Customer Insight
Reviewer Concerns with Allstate Claims

Limited Customer Insight

Allstate customer reviews on BestCompany.com are limited, which means we don't have enough information on the customer experience or customer satisfaction to make a clear recommendation.

However, most of the insurer's reviews are positive, which indicates a positive customer experience.

Reviewer Concerns with Allstate Claims

While most of Allstate's reviews on BestCompany.com are positive, there are a few negative reviews from people with low claims satisfaction.

For example, one reviewer noted that Allstate doesn't send a licensed claims adjuster to assess damage, which means that some covered damage may go unnoticed and unreported.

Claims are the reason you pay a regular insurance premium. Concerns about Allstate's insurance claim processes should be taken seriously.

As you consider an Allstate home insurance product, ask questions about the claims process and how the insurance provider performs inspections when damage is assessed.

gavel

The Bottom Line

While Allstate has many handy policy features, discounts, and a high proportion of positive reviews, reviewer difficulty with the claims processes are concerning.

If you're considering buying a home insurance policy from Allstate, be sure to ask questions and thoroughly understand how the homeowners insurance company handles claims before you buy a policy.

Was this content helpful?

thumb_up Yes thumb_down No

border_color Write a Review

User Reviews

Star Rating

4.1

star star star star star_border

172 Reviews

Review Breakdown

5 grade

59%

4 grade

21%

3 grade

2 grade

1 grade

Sentiment Criteria

Value

star star star star star_border

Quality

star star star star star_half

Service

star star star star star_half

Trustworthiness

star star star star star_half

cancel

Filter by:

arrow_drop_down

Sort by:

arrow_drop_down

star star star star star

Kyrstyn Strehlke

We love this insurance company for all of our insurance needs and we have the best guy too, Weston he is top notch and always there when we need him, which seems to be often! Definitely great prices too saved us a ton of money!

4 months ago

star star star star star

Gina Gomes Taunton, MA

I've had Allstate renter's insurance for years. Never had to submit a claim. I could have , twice, but didn't think of it. Once I moved to where I am now, things turned into a disaster! Flooding, neighbors ruining my property, etc. I've been afraid they'd drop my insurance here. But they haven't. They've been wonderful in taking care of me during every claim and throughout every process ! They reach out via mail, email & phone calls and lead me right through the entire process and every step. What to expect and the payouts are on time. I couldn't ask for a better company or service .

8 months ago

star star star_border star_border star_border

Adam Scondo

My auto insurance premium went up 16.5% after the first six months. No claims, no tickets. My opinion- Perhaps this does explain why Allstate won't allow customers to pay for a full year of an auto policy. Raising rates, simply because you can, is greed. Also, Drivewise is an invasion of privacy as you must make your location known. Furthermore, it requires the insured to use and spend time managing yet one more app, and requires ownership and the use of a smartphone, not possible for everyone. While many seniors are comfortable with today's technology and can afford a smartphone/related costs, this does not hold true for everyone. Age discrimination? Income discrimination? At the very least, when setting premium rates, Allstate does not seem to consider the concerns of customers who are retired. I've read alleged reports of Allstate engaging in "price optimization ". This means an insurance company thinks some customers won't shop around for a better rate, especially those customers with many years of driving experience (this could be seniors, retired people), and so the company charges an unfair premium. This merits further research and comparison of insurance costs

4 months ago

star star star_border star_border star_border

Caligirl2024

I had an issue where my water heater was leaking, and my floors got damaged. I first called my home warranty, then they said I had to contact my insurance company to fix the floor that was damaged by the water heater. They sent a person to review the humidity and damage on the floor, and then denied my claim because they stated the floor had mold, and that it was preexisting, I had never made a claim in four years and they denied it. When the floor was removed and replaced the flooring company that I hired said it was not mold that it’s dirt that was under it. It’s really sad that they denied me, for something I had no control, and since I had not removed the floor I didn’t know what to believe. Overall, I don’t recommend Allstate.

4 months ago

star star star star star

Osotomilayo

my experience with Allstate has been nothing short of excellent. Their positive attitude, proactive approach, and personalized care have made me a loyal customer for life. I have complete confidence in Allstate and trust that they will always have my best interests at heart.

7 months ago

star star star star star

Arooj Naeem Washington, DC

My experience with Allstate has been positive overall. The variety of insurance products, personalized coverage options, and competitive rates make it a reliable choice. The online tools for policy management are user-friendly, and the customer service team has been responsive. While individual preferences may vary, Allstate's commitment to customer satisfaction and comprehensive coverage align with my insurance needs.

10 months ago

star star star star star

Gary Miami, FL

We changed our HO coverage to Allstate in 2021 after researching coverage from various insurers thru our auto & homeowner insurance agent. Up to that time, our homeowners coverage was with a company that had just recently gone out of business in Florida. The insurance agency we used in our search gave us coverage information and costs for several insurance companies including Allstate. We choose Allstate because their rates were better than the others. Further, the coverages were more comprehensive and, the deductibles were better. Generally, the overall coverage package was better than we had with our previous company, the deductibles were lower and the total annual cost was less. Allstate is a longtime trusted name/company and this alone went strongly in our decision. Allstate even recommended that, because our home was only 3 years old, we could get an additional credit if we would get a roof Wind Mitigation inspection certificate approved by Allstate. We did so and received a $451 credit off our annual payment! And we will continue to receive a credit annually for this! I highly recommend Allstate for homeowners insurance coverage. It certainly was a great choice for us

2 years ago

star star star star star

michael L Wallace Arlington, TX

i have been with Allstate for a number of years using them for my car and home insurance. I have had to use them a number of times, for both car and home and I have always been treated with the upmost respect. The representatives are professional, knowledgable, and answers all my questions in a timely manner. I recently had a windshield replacement, and when I talked to Allstate they told me that they could recommend a company or I could use any company I chose. I could not have been treated better. I have never had anything other than a very positive experience when working with Allstate. You ARE in good hands with Allstate.

2 years ago

star star star star star

Pam Sims Hayden, ID

At our age we’ve had many insurance policies. For decades we have had Allstate. Last March, we had an unfortunate break in the kitchen water pipes. Of course, it happened overnight And by morning everything was saturated. I called Allstate; they had someone there in no time. They handled absolutely everything so efficiently. They removed flooring, cabinets, appliances, replaced faucet and pipes, brought in huge fans and heat to dry subfloor, placed fans and heaters in crawl space, replaced some subfloor; (I know, right!! But they did more!!!!) They replaced the flooring with a wonderful waterproof floor that the quality far exceeded what we previously had. They did it all!! We just were there to let the workers in😊. Allstate handled all the contacts ( plumbers, electrician, remediation, floor specialist, etc) and payments. Never have we been so thankful! Forever a loyal customer of Allstate.

2 years ago

star star star star star

Robert Rootes Bestselling Author Fredericksburg, VA

We switched homeowner insurance from the lizard to Allstate because the other company boasted a lot about their quality of service. But here's the thing, they didn't hold our homeowner insurance coverage...they contracted another company to hold the coverage. Yearly, when it came time to pay the premium, a premium that is set up through the escrow account with the mortgage, we would get nasty letters from the other company claiming they needed payment, when all along we were paying escrow to cover the cost of the yearly payment. I would have to call them every year and waste half my day waiting to talk to the right people. This happened for 3 years! It turned out whenever I called the lizard, waited for thirty to forty minutes, they told me I needed to call the other insurance holder. They couldn't even connect me because it's a different company altogether. When we had heavy rains and 18 thousand gallons of water filled our basement (I did the math when I hauled the water out) the insurance company denied our claim. We lost memories and money. We switched to Allstate because they actually hold the insurance policy and don't farm it out to other companies. The other companies are profiteers. When it came to speaking to one individual instead of a host of robots, this was the right choice for us.

2 years ago

star star star star star_border

Lynne Truesdell

They start out very helpful and try to save you money but as each year goes by I feel they forget about you and there is no personal touch. Unfortunately I feel most insurance companies are that way.

4 months ago

star star star star star

College Student Mom

We switched from State Farm after being with them for more than a decade, and we have been very happy with the service and coverage we get with Allstate.

5 months ago

star star star star star

Diane Davis

I have had Allstate for my homeowners, car and boat for over 20 years . Price is always been fair. Service from my Allstate agents have been so wonderful with expedient claims being processed and always available by phone.

7 months ago

star star star star star_border

Suzanna Wootton Springville, UT

I've had a positive experience with Allstate. I had to get a tree in my backyard trimmed back because there was a limb right above my roof and I appreciated that Allstate sent us a notice in the mail to let us know we needed to get it removed. However, I do wish they would've given us a little more time than they did, time to take care of the issue.

6 years ago

star star star star star

tammy merriweather Indianapolis, IN

I currently have Allstate umbrella insurance. This includes my house and also my car. I have found my personal representative to be very helpful, knowledgeable, and interested in making sure that my assets are covered properly.

9 months ago

star star star star star

Tyrone Walton Frankfurt am Main, HE

Allstate has amazing perks for new customers but what I really like is how they circle back around to their current long time customers and ensure they have first choice at any new perks that they present to new potential customers. Their claims team in an emergency is top knot h in a clutch from beginning to end. They stay with your claim with updates to ensure you and your family are taken care of in your worst time.

1 year ago

star star star star star

Chuck Holley Scottsdale, AZ

I have never had a claim , the people at the local agency is SO helpful and friendly i had been with auto Prudential through AARP I had been with them about 20 years, I had NO ACCIDENTS ,NO SPEEDING tickets ant they raised my rates several thousands of dollars. Allstate was NOT AT ALL LIKE THAT ,SAME 2 CARS ,HOME ,,UMBRELLA ,RATES are much more resonable .

2 years ago

star star star star star

TexasT Sherman, TX

I've been with Allstate for a long time and wouldn't change companies. I had claim in 2016, when my water heater broke and water damaged a bathroom and carpet in the adjoining rooms. Allstate came out, assessed the damage and paid for everything minus my deductible. They actually took care of a little more than I expected. I especially appreciate that I have a local agent I can talk to at any time face to face.

2 years ago

star star star star star

Flora Pickerington, OH

I have been an Allstate customer for the past 10 years. This is by far the best insurance company. You earn rewards and points while driving safely. You get discounts for multiple factors. My agent is reachable via email, phone and will respond even after hours. I remember behind out of the country and needed an urgent document . His staff took care of that for me and I was so grateful.

2 years ago

star star star star star

Alison Harney Huntington Beach, CA

What I like about Allstate, so far, is that my agent puts out a lot of information to help the homeowner. He sends emails and puts out videos that explain every part of being a homeowner which includes how the policy works in certain cases. He gives tips on how to prevent damages, what to do when an incident occurs, and always welcomes our feedback.

2 years ago

star star star star star

Moses F. Chandler, AZ

Allstate has a Great selection of Insurance to fit everyones budget, & they stand by their commitment to their customers. Great Professionalism and customer service, & support provided by their staff. We Highly recommended Allstate for theircommitment to Quality. We have enjoyed our coverage with State Farm. And enjoyed a sense of good coverage & protection.

2 years ago Edited January 21, 2022

star star star star star

Austin Tempe, AZ

I have Allstate for auto insurance and they have always been great! I decided to switch my renter/homeowner policy from a tech company I was using. Simply due to an experience I had with a different tech company when my vehicle was totaled. This made us switch everything back to Allstate. The claims and service team at Allstate is outstanding when compared to other services I have utilized over the years.

2 years ago

star star star star star

Debbie Schultz Murfreesboro, TN

We have been with Allstate for our home and auto insurance for 25+ years. We have been more than satisfied with Allstate and our agent. We had one auto claim about 12 years ago and it was handled with professionalism and a sense of urgency. Coverage and price are reasonable and fair. Our agent is always available when we call to update our insurance needs. We will continue to be customers of Allstate!

2 years ago Edited August 3, 2022

star star star star star

Cynthia Landing Forest City, IL

I’m an Allstate customer and I must admit I’m happy I choose them they have great savings on insurance along with incentives they give for safe drivers they also give referrals in a gift card form they’re there to explain the different areas of insurance and the importance of it they also have a variety of services they offer that meets ones every day needs. The customer service is outstanding their there for you making you feel your needs are important to them

2 years ago Edited January 3, 2022

star star star star star

Richied

I use Allstate not only for my home insurance, but for my car as well. My representative is very personable and helpful in everything that I’ve ever asked her.

7 months ago

star star star star star_border

Molly Keogh Ogden, UT

We have had Allstate home insurance for about 15 years. The time we have had to use it for a flooded kitchen they were very helpful and quick to get us the money. I wish they were not so quick to penalize for just one usage in all our time.

4 years ago

star star star star star

Aunt Cathy Bay Saint Louis, MS

We've had them for about 33 yrs now as our home ins. True they have gone up since Katrina, but they were about 90% good on replacement monies for repairs. Just good to know they are here when we need them.

4 years ago

star star star_border star_border star_border

Geoff Hk Beverly Hills, CA

Allstate hired a consulting firm years ago which advised it not to give out any payouts to insured customers even if they were entitled to do it. And to fight it everystep of the way. My neighbor is a doctor who had house insurance with them and his house was destroyed by a fire (not his fault) and even though he was clearly covered in the details of his policy they denied his claim. He had to take them up the court system (took years) to finally get justice. He won his case but it was a huge headache and use of his time. Stay away from Allstate. You're NOT in good hands with Allstate! (Besides their 'hands' are there just to pick your pocket if my neighbor's experience is any indication). I myself had a small policy with them but cancelled it after this incident.

5 years ago

star star star star star

Sheri Anderson Sapulpa, OK

We have been with Allstate for years because they have taken care of us during some really ruff times. Tornados, hail, high winds and floods. They have always came through and fixed the house right away! Amazing.

9 months ago

star star star star star

Mavris odunayo

Allstate offered different insurance that’s why I stick with them they offered both auto insurance and renter insurance they also have a great mobile app that works without crashing

9 months ago

star star star star star

Greg York Villas, NJ

Have been an allstate customer since 2019 coming over from State farm. Price is right and coverage it outstanding, the deductible reduction every year is a+, David R in cape may is our rep and has been great to deal with.

10 months ago

star star star star star_border

CC Legendary

I like allstate alot, have had them for a while, my only hold back is that its getting very expensive for my policies, I have both home and auto. Even with all the discounts, its still pricey. Im sure you get what you pay for so I'm okay with it. I like the App as well easy to navigate, not crazy about the Drive time app though, it was a little too involved but I'm sure it can be a great tool for some.

1 year ago

star star star star star_border

Richard Birnbach Monterrey, NLE

I have been an Allstate customer off and on over many years. Typically, their policies at first offer great rates but anticipate annual increases to unreasonably high amounts. Forces you to switch off after 2 or 3 years. I have only file 1 claim for hail damage. Their service was excellent, fast response by the adjuster, fast payment and no hassle!

1 year ago

star star star star star

Allan Freedman Silver Spring, MD

We started with Allstate when we bought our home in 1996. We've stayed with them because they stand by us. Good value for the dollar plus great customer service from our local agent. They are quick to respond when we have an issue or question. We ended up bundling the cars and house plus an umbrella policy and we feel very protected.

1 year ago

star star star star star

Gracie Adorno Randolph, MA

I like Allstate Insurance. Great Customer Service. May be a bit pricey, but you're in good hands. If you have any issue, car, home..... they are with you all the way to the end. The help received is wonderful. I had two incidences and I was treated very well and the outcome was acceptable.

1 year ago

star star star star star

Faramarz Farrehi San Jose, CA

I have basic coverage with Allstate. I used to have the same coverage with Statefarm before but Allstate had definitely lower costs that is why I switched. Have been happy with their representatives and services. Thanks God haven’t had to place a claim yet, so far so good!

1 year ago Edited April 13, 2023

star star star star star

Janel Hagar Jenison, MI

My insurance company is Encompass. It was not listed but it is a subsidiary of Allstate Insurance. I wanted to leave a review because I absolutely love my insurance company. And you do not hear that often. I use them for my home and my vehicle. They have never denied a claim and have been very easy to work with.

1 year ago

star star star star star

Robin Adams Seabrook, TX

When we bought our Home in 1990 Allstate was the only Company that would write us a Policy. We had another Company for our Car Insurance but they were not doing Homeowners Insurance anymore so we switched all of our Insurance needs to Allstate and have been with them since 1990. The Agents are So Sweet and Kind. I will never switch.

1 year ago

star star star star star

Liz Denver, CO

We use Allstate for two of our vehicles, as well as our RV and home insurance and they have been tried and true for many years and have never let us down. Even when my neighbors house flooded ours, they walked us through the entire process and made sure that we were protected and taken care of.

1 year ago Edited January 4, 2023

star star star star star

Pamela Bittner Arlington, TX

I currently have Allstate for my insurance for both auto and home. I have used them for the last 4 years, with two different homes and two different autos. They have been great to work with and the premiums are reasonable. I have never had a claim, but their renewal rates are always fair and if I have a question they are easy to talk to.

2 years ago Edited November 4, 2022

star star star star star_border

World Traveler Ashburn, VA

The premium just like in any insurance company will go up every year even if you don't have any claims. The pricing is somewhat comparable to other insurance companies. The person we worked with was good and tried to give us their best price on the policy. I can't say much about their coverage as I didn't have a claim with them but I've seen other neighbors who had their roof replaced with them.

2 years ago

star star star star star

Matthew Laney Chino, CA

I had an Allstate Home Insurance Policy that covered a previous residence. Their representatives were always cordial and willing to listen and help. I had to file a couple of claims with them and they were resolved promptly and fairly. I would have no problem recommending All-State Home Insurance to anyone.

2 years ago

star star star star star_border

no sugarcoating Cheshire, CT

Been with them for years, I had one 'accident' when a tree fell on my house and did some minor damage. Process was painful between inspector, adjustor and roofer, I had to get involved in every step but got it done at the end of the day (more like couple months...) . Just like every insurance company, they are great when you don't need them! My agent is really nice and maybe that's why I stayed with them so long?

2 years ago

star star star star star

David Bornancin Westlake, OH

I have used and purchased Allstate Home insurance before and it was great. I look for a company that asks the right questions such as type of coverage, deductibles, medical coverage, property coverage and levels and provides a powerful staff to address all your needs when something goes wrong or damage to your home. Great company and service.

2 years ago Edited September 26, 2022

star star star star_border star_border

Mark G Austin, TX

I had been an Allstate customer for years with multiple policies. However, when it came time to get help with a roof that had minor hail damage from several storms over a few years, we were denied each time. This was incredibly frustrating, and the initial reasons seemed like "convenient realities." Eventually, the roof was old enough that the home policy could easily deny any claim. We felt paying our premiums was a colossal waste of money. You're probably wondering why I would give Allstate three stars after that opening. Two main reasons - the Allstate agent we worked with was excellent, and his staff provided reliable customer service. The second reason is the cost was very competitive; however, that ultimately came at a price to us. The agent and his team are the ones that would explain why claims were denied. Those explanations were much better than the pathetic notifications from the adjusters and Allstate itself but didn't improve the situation. We are no longer and probably never will be customers of Allstate again. Insurance is a protection against the unforeseen calamities of life. If you can't count on that, what are you paying for? If we had saved and invested the premium payments when we bought the house, we could've paid for the new roof and still had money left over. Of course, if the house burned down, we'd be ruined. Food for thought: You see Allstate commercials on TV, their name on stadiums, and other marketing. Who do you think pays for that? I'll stick to paying a slightly higher premium payment with a company focused on customer, not shareholder, value.

2 years ago

star star star star star

Kateri McKnight Beaumont, TX

I absolutely loved being an Allstate client! Although one must have great driving record to obtain it, it’s well worth it. While a customer, the customer service is great as well as any offsite communication such as mobile app.

2 years ago

star star star star star

Chary Akmyrat Little Rock, AR

I am having all the good experiences due to my multiple insurance policy with Allstate. They have offices everywhere and I have in-person options when necessary. Periodically they call and check if the policy needs an update or adjustments and keep me updated with the savings and discounts if I qualify.

2 years ago

star star star star star_border

Rachel Porter Chicago, IL

Allstate Milewise program charges by the mile, with a small minimum daily charge. This has saved me hundreds of dollars each year on car insurance as I only pay for the miles I drive which isn't much. I also have renters insurance through Allstate. Though I've not had to file a claim, based on their handling of my car insurance claims, I feel confident that I will be treated fairly and receive great customer service.

2 years ago Edited August 3, 2022

star star star star star

Dennis Madera, CA

We have had Allstate home insurance for many years. Before Allstate we had Farmers insurance as my father-in-law was our agent, but when he retired he told us to switch over to Allstate…this was a great move for us as we saved money every year! Great agent and very good rates!!!

2 years ago

star star star star_border star_border

MAB Rancho Santa Margarita, CA

I am 66 and every year my multiple (3) Allstate Insurance policy premiums go up. I call and get maybe a small adjustment. I have never made an Auto claim and drive under 5k miles per year and I pay $1300 yr. However, I did have a HO claim and pay $1750 per year up $200 in 2 yrs so I think thats how they get their money back, they just raise your premium every year across your policies and you can't switch since once you have a claim no one wants you. What a rip off plus they told me because I was single female and never married I was a higher risk so my agent switched me to "widowed" status to keep the increases low. So you NOT in good hands with Allstate if you never married and had a claim.

2 years ago

Allstate

Top Ranked Companies

The Good

Large Variety of Discounts

Customizable Policies

Multiple Types of Homes Covered

HostAdvantage® Policy

Online Quotes

Competitive Financial Strength Rating

The Bad

Limited Customer Insight

Reviewer Concerns with Allstate Claims

The Bottom Line

User Reviews

HostAdvantage^® Policy