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Allstate was founded in 1931 and ever since then, the insurance company has been working to develop industry-leading policies in a variety of insurance types. In addition to personal umbrella insurance, Allstate offers auto insurance and home insurance.

Serving millions households nationwide, Allstate is dedicated to helping its members deal with unexpected events and prepare them for the future through its coverage options.

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The Good

  • High Financial Strength Ratings
  • Helpful Online Information
  • Wide Coverage

High Financial Strength Ratings

Allstate has received high financial strength ratings from A.M. Best. These ratings are important because they show that the insurance provider is financially stable and will likely be in a financial position to meet its claims obligations.

When you buy an insurance policy, check the financial strength ratings because you don't want to worry about your insurer being unable to pay when you file an insurance claim.

Helpful Online Information

Allstate members interested in buying an umbrella insurance product can find helpful information about personal umbrella insurance on Allstate's website. Here you can see a general overview, who and what is covered, benefits, how to read policy declarations, and a FAQ section. 

From these resources, you can learn about the key parts of a personal umbrella policy (PUP) and make an informed decision based on the given information.

Wide Coverage

Allstate’s site states that the Personal Umbrella Policy “covers a wide range of losses, including any damages arising out of a covered occurrence.” The coverage is international so no matter where a member is they have coverage against:

  • Bodily Injury — Medical costs, loss of income, funeral expenses of the others involved in the accident
  • Personal Injury — False arrest, invasion of privacy, libel, slander, humiliation or defamation of another person’s character
  • Property Damage — Physical destruction of someone else’s property
  • Landlord Liability — Bodily injury to or property damage of a tenant who resides in a rental property.
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The Bad

  • Limited Customer Reviews
  • Minimum Coverage Required
  • Must Work With an Agent for Details

Limited Customer Reviews

Best Company has not received many Allstate personal insurance reviews, so insight on customer satisfaction levels and the customer experience are not available.

Minimum Coverage Required

In order to purchase an Allstate Personal Umbrella Policy, members must have an auto or property insurance policy with the company that meets the required limits.

Here is the minimum coverage needed:

  • Primary and secondary residences — $300,000 per occurrence
  • Residential rental property — $300,000 per occurrence
  • Automobiles and motor homes — $250,000 each person and $500,000 each accident or $500,000 combined single limit
  • Recreational vehicles — $100,000 each person and $300,000 each accident or $300,000 combined single limit
  • Watercraft — Varies by size and type. Members will need to view their policy for complete details
  • Personal watercraft — $100,000 each person and $300,000 each occurrence or $300,000 combined single limit
  • Motorcycle — $100,000 each person and $300,000 each occurrence or $300,000 combined single limit

Must Work With an Agent for Details

Although Allstate offers some information about its personal umbrella insurance online, you'll need to work directly with an agent to learn more about coverage specifics and insurance rates.

A quick, online process to get a policy in place is not available through Allstate. However, working with an agent can be beneficial to ensure that you have the coverage you need. 

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The Bottom Line

For those with auto and homeowners policies from Allstate, a Personal Umbrella Policy is worth looking into. The policy offers additional liability coverage and helps protect members against large and financially devastating liability claims. Personal Umbrella Policies are typically available in increments starting at $1 million and go up to $5 million.

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