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LAST UPDATED: September 25th, 2023

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 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.


The Bad

  • Limited Customer Insight
  • Reviewer Concerns with Allstate Claims

Limited Customer Insight

Allstate customer reviews on 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 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.


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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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!!

2 days ago


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Maya My McDonough, GA

I called Allstate for a quote on home insurance and the only way they would be able to save me money on home insurance is if I added car insurance, which was so expensive, it didn't make sense and I wouldn't have saved enough money to offset the difference.

2 months ago

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Steve Edwards Dallas, TX

Allstate doesn't send licensed adjusters to your home any more. At least this is the case with the first few rounds of having a loss. They send an unlicensed rookie to you home to hold a camera for someone else in a different part of the world. Probably China! They do this to save $$$ for their share holders. They do this so that rookie misses all kinds of damages owed under the policy. Then they can claim that oops, we didn't know that... So when you file a claim, they will ask you a list of questions. If they mention Eagleview, Drone or Virtual Inspection, don't do it! Tell them you want a licensed adjuster to come to your home and that you refuse to accept anything other than that. They will buck like a bronco! Refuse, Refuse, Reuse, then report them to your State Insurance Commissioner. I know multiple friends that have been burnt by Allstate and I myself have been too!

4 years ago


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Keaton W Copperas Cove, TX

Allstate and a lender we fired. Signed me up for a policy for a house I didn't close on for another 2 weeks. I did t go with allstate or that lender so that policy never got paid and they sent me to collections

7 months ago


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RLuff Tucson, AZ

If you are involved in an accident and it is your fault, you are very likely to be sued. Allstate NEVER settles claims easily resulting in the other party getting an attorney. I know. I am a lawyer. The end result is you get called for depositions and trial so Allstate can save some money.

1 year ago