Allstate Home Insurance Review

Flexible homeowners insurance policies from a financially solid insurer

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Allstate

Allstate Insurance is one of the most recognizable insurers in America. The company handles all types of insurance, not just homeowners insurance, and Allstate handles its own underwriting for all policies. Consumers insuring their homes through Allstate may be eligible for a number of discounts and can personalize their policies with an extensive list of endorsements.

  • Pros and Cons
  • Company Overview
Pros and Cons
Pros
  • Highly ranked for digital service

  • Easy online quote process in many states

  • Many policy discounts

Cons
  • Online quotes not available in all states

  • If you hope to bundle, Allstate’s auto insurance has average customer satisfaction rankings

Company Overview
  • Official Website www.allstate.com
  • Insurance Offered Car, home, renters, life, condo, motorcycle, boat, business, and more
  • Customer Service Available by phone (1-800-255-7828) or through a local agent
  • Year Founded 1931

Allstate Home Insurance Policies

Like most insurance companies, an Allstate policy will likely include coverage for: 

  • Dwelling
  • Other structures
  • Personal property protection
  • Liability coverage 

Endorsements

Depending on your state, you may be able to add optional additional or expanded coverage, which are also called endorsements:

  • Water backup
  • Increased coverage for valuable personal property
  • Business property coverage
  • Electronic data recovery
  • Green improvement reimbursement
  • Identity theft restoration
  • Claim rateguard
  • Deductible Rewards

Allstate offers several ways for nervous homeowners to avoid concern about rate jumps in the event of a claim, or if you pride yourself on being claims-free. Claim Rateguard is an optional coverage you can buy, and preserves your premium if you do file a claim, as long as you haven’t filed in the previous five years. Deductible Rewards saves you $100 when you sign up, and an additional $100 for each year you’re claims-free, up to $500. 

Allstate’s Cost for a Basic Home Insurance Policy

Homeowners insurance costs can be influenced by a variety of common and more surprising factors, including:

  • Your credit history, where legally allowed
  • Your location
  • Home security system
  • Your claims history
  • The distance between your house and a fire hydrant
  • Age of home, plumbing, electrical and heating
  • Home rebuilding costs 
  • Your policy’s limits and deductibles
  • Any extras or endorsements you might request
  • Any discounts you qualify for 

Other Allstate Property Insurance Policies

  • Condo insurance
  • Renters insurance
  • Home-sharing insurance
  • Landlord/rental property insurance
  • Manufactured home insurance
  • Flood insurance

Allstate Home Insurance Discounts

Allstate offers a number of discounts that can help make its coverage more affordable. These may include, depending upon your state:

  • Home: Protective devices, new home
  • Policy: Multi-policy (up to 25%), early sign up (up to 10%), switch to Allstate/loyalty (10%), claims-free (up to 20%), automatic payments (up to 5%), on-time payments

Allstate Home Insurance Availability

Allstate homeowners insurance is available in all 50 states and the District of Columbia. However, not all states allow an online quote.

How to Get an Allstate Home Insurance Quote

The easiest way to get a quote is through Allstate’s online quote generator, a user-friendly tool that allows you to get a quote in minutes. You can also search on the website for a nearby Allstate agent if you prefer to call or visit an agent to request a quote.

If you’re applying for insurance with a spouse or domestic partner, you will also need to provide their personal information and you may need to provide their insurance history, as well. Many companies use credit ratings to determine your home insurance rate, and will use the higher credit score between the two spouses to generate the insurance quote, which could save you money. 

How to File a Claim with Allstate

Allstate offers several methods for filing claims: 

  • Customers may wish to reach out to their insurance agent directly. However, your agent may only be available during normal business hours.
  • Call 1-800-ALLSTATE (1-800-255-7828) to file and track claims over the phone. This phone line, which is available 24/7, makes it easy to remember how to file a claim even if you aren’t at home, don’t have your agent’s contact information, or can’t access your phone or computer.
  • Use your online account or the mobile app. 

When filing your claim, provide your claims representative with as much information as you can about the incident that prompted the claim.In addition, you may need some proof of ownership information regarding your possessions, especially if you are filing a claim because of theft. If you are the victim of theft, you will need to file a police report to file a claim. 

Even if you don’t have all of the information available right away, Allstate recommends that you call to report the claim anyway, since your claims representative can help you.

Allstate Customer Service

Study How Allstate Fared
J.D. Power 2020 Home Insurance Study #6 out of 22 insurers
J.D. Power 2020 Property Claims Satisfaction Study #7 out of 19 insurers
J.D. Power 2020 U.S. Insurance Digital Experience Study

Service: #2 out of 19 insurers
Shopping: #12 out of 22 insurers

Allstate enjoys a good reputation for customer service, which is supported by J.D. Power’s recent studies. The 2020 J.D. Power Home Insurance Study surveyed homeowners for customer satisfaction based upon price, interactions, policy information and offerings, the billing process, and the claims experience. Based on a 1,000 point scale for which the average was 823, Allstate received 829 points. When stacked against 22 insurers, it came in sixth place. 

The 2020 J.D. Power Property Claims Satisfaction Survey surveyed customers for customer satisfaction with their property claims experience based on settlement, claim servicing, reporting a loss (first notice of loss), and the estimation and repair processes. Allstate scored 882 points out of 1,000, just above the industry average of 881. It came in at #7 out of 19 insurers. 

In the J.D. Power 2020 U.S. Insurance Digital Experience Study, Allstate ranked #2 out of 19 for service, which measures consumer satisfaction in carrying out policy-servicing tasks using the insurer’s digital tools. But in the same study, Allstate ranked #12 out of 22 for online shopping, so perhaps users didn’t love the shopping experience as much as the typical tools.

Starting with its online quote generator—which can give most homeowners a quote within minutes—Allstate’s online and digital tools really shine. Not only is the Allstate website intuitive and easy to use, but the mobile app allows policyholders to easily pay bills, file claims, view documents, and even create inventories to make future claims a snap. That’s probably why Allstate fared well in a survey of insurers’ web and mobile experiences.

Financial Stability

Insurance companies must be able to assure their customers that they are financially stable, since consumers need to trust that their insurer will be there to pay any future claims. AM Best rates insurers on financial strength, giving a Financial Strength Rating represented by a letter. Allstate enjoys an AM Best rating of A+ (Superior), which is only one step down from Best’s highest rating of A++. That’s a good indicator that the company is and should continue to be financially stable.

Other Types of Insurance Provided by Allstate

Allstate offers a great deal more than just homeowners insurance. Its other insurance offerings include:

  • Auto and other vehicle insurance
  • Business
  • Life and health coverage
  • Event 
  • Identity insurance
  • Pet insurance

Compare Other Home Insurance Reviews

When shopping for homeowners insurance it’s important to generate quotes from multiple insurers to be sure you are getting the best coverage for the best value. Consider whether one of these other home insurers might be a good option for you:

Final Verdict
  • Numerous discounts can help make the rates more affordable, although you’ll still want to compare them to other options to make sure you’re getting a good deal.
  • Excellent digital tools and customer service make buying a policy or filing a claim easier.

Methodology

The Balance strives to give consumers unbiased, comprehensive reviews of homeowners insurance providers. To ensure that our content helps you make the right insurance decision for your needs, we review each insurance provider’s coverage options, discounts, customer service and satisfaction, and financial stability.

Article Sources

The Balance requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy .
  1. Allstate. "Optional Homeowners Insurance Coverage." Accessed Nov. 10, 2020. 

  2. Allstate. "Allstate Home Extras." Accessed Nov. 10, 2020.

  3. Allstate. "Homeowners Discounts." Accessed Nov. 10, 2020. 

  4. Allstate. "Home Claims Info." Accessed Nov. 10, 2020. 

  5. Allstate. "Home Claims FAQ." Accessed Nov. 10, 2020. 

  6. J.D. Power. "Home Insurance Customer Satisfaction Declines, Opening Door for Insurtech Disruptors, J.D. Power Finds." Accessed Nov. 10, 2020.

  7. J.D. Power. "Homeowners’ Satisfaction with Property Claims Reaches Record High as Insurers Focus on Relationship Management, J.D. Power Finds." Accessed Nov. 10, 2020.

  8. J.D. Power. "Property & Casualty Insurers Raise Digital Games as COVID-19 Elevates Customer Expectations, J.D. Power Finds." Accessed Nov. 10, 2020. 

  9. AM Best. "Allstate Insurance Group," login required. Accessed Nov. 10, 2020.