Allstate Home Insurance is one of the most popular homeowners insurance options in the United States, known for its broad coverage, customizable features, and dependable customer service. With decades of experience in the industry, Allstate provides protection tailored to different types of homes and lifestyles, combining technology, local support, and accessible discounts.
If you’re looking to protect your home with both security and flexibility, Allstate could be a great choice. Here’s what you should know about what it offers.
Key Coverages
Allstate’s standard homeowners policy covers everything from the structure of your home to incidents involving guests. Main areas of coverage include:
- Dwelling (the home’s structure)
- Other structures (garages, fences, sheds)
- Personal property (furniture, clothing, electronics, etc.)
- Additional living expenses (Loss of Use)
- Personal liability and guest medical expenses
You can also add optional coverages, such as:
- Flood or earthquake protection (available in specific areas)
- Identity theft restoration
- High-value item coverage (jewelry, artwork)
- Home-sharing protection (Airbnb)
- Preventive maintenance assistance
Allstate also features something called Claim RateGuard, which helps prevent your premium from increasing after your first claim, an important added benefit.
Advantages
Here are some of the main reasons to choose Allstate Home Insurance:
- Large network of local agents offering personalized service
- All-in-one app to manage your policy, file claims, and check status
- Automatic discounts for claim-free customers, security systems, or bundling auto + home
- Flexible protection to fit various home types and needs
- 24/7 support for emergencies and tech assistance
Allstate also offers the Allstate Rewards program, which lets you earn points for safe driving through the Drivewise app, a nice bonus for auto insurance customers.
