In this Allstate home insurance review, we take an in-depth look at the second-largest home insurance company in the country.
All of your assets are worth protecting. When it comes to your home, you have to be confident in its protection. Purchasing a comprehensive home insurance policy to safeguard it in the event of burglary or disasters can help you rest easy at night.
But how do you choose the best homeowners insurance company for you? The This Old House Reviews team has created this in-depth Allstate home insurance review, evaluating the provider’s coverage, availability, costs, and more, to help you determine if it’s the best fit for your needs.
Table of Contents
- Our Take
- Pros & Cons
- How Much Does Allstate Insurance Cost?
- Reviews of Allstate Insurance
- Our Conclusion
- Frequently Asked Questions
- Company Information
Allstate is the second-largest home insurance company in the country, offering both extensive, industry-standard coverage and a variety of significant add-on options, along with many opportunities for discounts. Coverage is available nationwide, and quotes are easy to obtain using convenient online tools. We give Allstate an overall score of 98.10 based on metrics like coverage, availability, customer service, and more.
However, the prices for Allstate home insurance are slightly higher than its competitors’, meaning that its possible customers could get similar coverage for a lower rate with another company. On Allstate’s Better Business Bureau profile, common complaints involve claim denials. In reviews, some customers noted the claims process was difficult, while others stated it was smooth.
Pros & Cons
Compare the advantages and disadvantages of Allstate home insurance.
Allstate offers all the types of industry-standard coverage alongside a range of additional coverage add-ons to help supplement your homeowners insurance policy.
In addition, Allstate offers a wide range of supplemental coverage.
Allstate home insurance is available in all 50 states.
How Much Does Allstate Home Insurance Cost?
The exact cost of Allstate homeowners insurance depends on a variety of factors, including your property value, size, and the materials it was constructed with, where you live, the coverage limits you select, the insurance deductible you choose, and more.
We requested a quote for a single-family home in Houston, Texas of roughly 2,200 square feet. Its monthly cost of $302 is significantly higher than the national average of $101, according to the Insurance Information Institute.
Allstate offers a variety of discounts to help reduce the cost of your home insurance coverage.
Reviews of Allstate Insurance
Allstate is not accredited by the Better Business Bureau, but the company does hold an A+ rating from the organization. However, customers on the site have given Allstate just over 1 out of 5 stars. Here’s what some people had to say about their experience with Allstate Insurance.
Marissa G. said:
“We have always had a good experience with Allstate. Only had to file one claim in the past 10 years or so but it was fixed and paid for. Staff have been friendly and no complaints!”
“We filed a claim after a reputable roofing company inspected our roof and found heavy wind damage, after we had damage to two rooms in our home, and believed, because our roof was 15 years old, that it needed to be completely replaced. Allstate thought differently and won’t even pay for the repairs to the inside of our home, although one of the two rooms had significant damage to the ceiling. Have done business with them for well over a decade, but will be taking our business somewhere else! Very disappointed in Allstate throughout this entire process! Don’t recommend AT ALL!!”
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*Lemonade home insurance is available in AZ, CA, CO, DC, CT, GA, IL, IN, IA, MD, MA, MI, MO, NV, NJ, NY, OH, OK, OR, PA, TN, TX, VA, WI
Allstate is the second-largest home insurance company in the U.S., offering a wide variety of coverage and many different discount opportunities nationwide. All of the standard industry coverage is included, as well as significant supplemental coverage for energy efficiency, musical instruments, sports equipment, and more.
However, Allstate’s prices for its homeowners insurance policies are more expensive than some of the company’s competitors. Budget-conscious home insurance shoppers may want to sign up for a policy elsewhere. We give Allstate an overall score of 98.10 out of 100.
Frequently Asked Questions
What is covered by Allstate home insurance?
Allstate homeowners insurance includes all basic coverage—dwelling, personal property, personal liability, additional living expenses, and medical payments to guests. Significant supplemental coverage is also available, ranging from flood to yard and lawn protection.
What does Allstate home insurance not cover?
Like most home insurance providers, Allstate does not cover fire or earthquake damage in its basic policies. However, both are available as supplemental coverage.
Is Allstate a good home insurance company?
Allstate is one of the best home insurance companies we analyzed because it offers a significant range of coverage and discounts nationwide. Its list of possible discounts and endorsements are quite extensive, and among the longest of the companies we’ve analyzed. However, its prices are higher than some of its competitors’.
How Much is Allstate insurance?
According to our sample quote for a 2,200-square-foot, single-family home in Houston, Texas, Allstate costs $302 per month.
- Company name: Allstate
- Company type: Public
- CEO: Thomas J. Wilson
- Year founded: 1931
- Headquarters: 775 Sanders Rd, Northbrook, IL 60062
- State availability: 50
- BBB rating: A+
The This Old House Reviews team values accuracy, transparency, and trust. With that in mind, we created a thorough, objective rating system to score each home insurance company based on the following six factors:
- Coverage (30)
- State availability (7.5)
- Customer service (15)
- Technology (12.5)
- Reputation (20)
- Additional benefits (15)
Our Reviews team has a full-time researcher who collects and regularly updates data points from every company to help us compare them on key factors such as coverage, service, and dependability. Read more on our methodology here.
To share feedback or ask a question about this article, send a note to our Reviews team at firstname.lastname@example.org.