Allstate is one of the largest insurance companies in the United States, founded in 1931. It offers a variety of products, including homeowners insurance. This type of protection is essential for those seeking peace of mind in their daily lives and want the security of relying on a well-established insurer. Take a look at the benefits Allstate can offer to homeowners who want a policy rated A+ by AM Best.
Coverages and Options
Allstate’s homeowners insurance includes standard coverages, along with optional add-ons that policyholders can choose to include. These options include:
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Dwelling coverage
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Personal property
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Liability protection
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Guest medical protection
If the policyholder wants to enhance the policy with extra protections, they can select from the following options:
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Water backup (sump pump)
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High-value items (jewelry, instruments, artwork)
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Home business coverage
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HostAdvantage® (for those who rent out their homes through platforms like Airbnb – up to $10,000 per rental period)
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Green improvement reimbursement (for energy-efficient replacements)
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Identity theft and electronic data recovery, among others
This flexibility allows Allstate to offer tailored policies that match each homeowner’s lifestyle and current needs. It’s worth noting that the level of coverage—and therefore the overall premium—depends on how many add-ons are included in the homeowners insurance plan.
Additional Benefits
In addition to a fully customizable policy with various options for your home and family, Allstate’s homeowners insurance also stands out for other key features that make it an appealing choice. Highlights include:
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Significant discounts, especially for bundling and policy renewals
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A user-friendly online platform and mobile app with digital tools (GoodHome Risk Insights, photo uploads, claims tracking)
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Outstanding financial stability, backed by an A+ AM Best rating
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Thousands of licensed agents nationwide providing personalized, in-person support
