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7.3

Overall Score

LAST UPDATED: April 2nd, 2024

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

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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.

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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.

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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.

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Star Rating

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4.2

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165 Reviews

Review Breakdown

5 grade

60%

4 grade

21%

3 grade

10%

2 grade

6%

1 grade

3%

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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.

1 month ago

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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.

2 months ago

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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.

5 months ago

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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.

2 months ago

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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.

4 months ago

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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.

7 months ago

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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.

4 months ago

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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

4 months ago

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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.

5 months ago

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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

1 year ago

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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.

1 year ago

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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.

1 year ago

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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

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Kenda Stacy

I have been with Allstate for almost 10 years (auto and home). So far, no problems. I just wish it wasn’t so high!

2 months ago

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Angie New York, NY

I've been an Allstate costumer for over 30 years. I am satisfied with them as a company but over the years, their service has changed. I feel you receive less for more money. Rather disappointing. Their customer service is very good with claim filing, which is very important.

5 months ago Edited December 20, 2023

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Eric Fishman CA

Have used Allstate for all my insurance needs for years. Always there when I need them. The process has been painless at all times. Definitely in “Good Hands” with Allstate.

7 months ago

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Felicia Soldrich Allentown, PA

I have been a customer of Allstate homeowners and car insurance for over 20 years. I have found them to be very responsive to a claim. Their rates are affordable and discounted if you bundle home and auto.

8 months ago

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Rosalyn Bolds Clinton Township, MI

Sara G. and Nicole are awesome at what they do for their customers. They understand that day to day life situations and help finds what best for you. They have me as a valued customer for life. 48035 area.

8 months ago

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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

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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.

9 months ago

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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!

10 months ago

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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.

11 months ago

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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 .

3 months ago

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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 .

1 year ago

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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.

1 year ago

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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.

1 year ago

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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.

1 year ago

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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

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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

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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

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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

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HellasBlue Odessa, FL

While a bit on the pricey side, they deliver the best coverage and the best service. Very reliable company

2 months ago

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Dan Cardenas San Antonio, TX

DO NOT use ALLSTATE INSURANCE or Dan B. My home was pelted with 1.5" of hail and my roof has a million dents! Allstate Insurance says this is "COSMETIC DAMAGE". My opinion is very different... Allstate nor Agent Dan B cares about your property. They only care about profits. Dan B did nothing to help our family. He told me "we will just deny your claim for some other reason". Five months of fighting with them. Unbelievable treatment of a customer, I've never seen anything like this. FIRE THEM!!

8 months ago

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Laconia Byron Pleasant Grove, AL

They were great. As long as you don't have to file a claim. Then, everything changes. There are restrictions and all. But, they saw me all the way through my claim. And, had awesome customer service.

8 months ago

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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

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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

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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.

4 years ago

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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

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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

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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

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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

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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

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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.

1 year ago Edited November 4, 2022

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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.

1 year ago

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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.

1 year ago

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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?

1 year ago

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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.

1 year ago Edited September 26, 2022

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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.

1 year ago

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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.

1 year ago

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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.

1 year ago