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LAST UPDATED: September 16th, 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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144 Reviews

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Peter Land O' Lakes, FL

They had very high prices. Customer service/sales agent was very professional and knowledgeable. Discussing rates became cumbersome. No discounts offered for senior citizens are disabled people.

2 months 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.

3 years ago


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Nancy Schille Saint Paul, MN

Their overall customer service is good but when dealing with an adjuster over a claim they are awful!!! I spoke to an adjuster over hail damage on my roof. He was rude, condescending and treated me like I didn't know what I was talking about. I ended up speaking with his supervisor who was full of crap!!! All she did was listen to my complaint while assuring me I wouldn't have to deal with this adjuster again (which was total crap) because he called me several times again. She also assured me they would follow my contractor's report and take care of repairs based on his assessment.......full of crap again! That did not happen. I have been a very long time customer but based on trying to get a claim settlement I have decided to look for another insurance provider.

10 months ago


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Ben Fresno, CA

I have has AllState insurance in the past and had a couple issues getting a claim settled seemed kind of overpriced and not to concerned about my roof being covered

10 months ago Edited November 14, 2022


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Cathy Ford Goodyear, AZ

good customer service knowledgeable but they go up on their insurance product every 6months

11 months ago


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Mario Martin Willis, TX

I had contacted a representative for this company and was discouraged with the price points

1 year ago

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Chris Wootton Ogden, UT

Not a great company to work with ok product value.

5 years ago


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DaDude Ormond Beach, FL

Overpriced and lacks good customer support. Would not use again.

1 year ago