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