Les Masterson is a deputy editor and insurance analyst at Forbes Advisor. He has been a journalist, reporter, editor and content creator for more than 25 years. He has covered insurance for a decade, including auto, home, life and health. Before cove.
Les Masterson Deputy Editor, Insurance
Les Masterson is a deputy editor and insurance analyst at Forbes Advisor. He has been a journalist, reporter, editor and content creator for more than 25 years. He has covered insurance for a decade, including auto, home, life and health. Before cove.
Written ByLes Masterson Deputy Editor, Insurance
Les Masterson is a deputy editor and insurance analyst at Forbes Advisor. He has been a journalist, reporter, editor and content creator for more than 25 years. He has covered insurance for a decade, including auto, home, life and health. Before cove.
Les Masterson Deputy Editor, Insurance
Les Masterson is a deputy editor and insurance analyst at Forbes Advisor. He has been a journalist, reporter, editor and content creator for more than 25 years. He has covered insurance for a decade, including auto, home, life and health. Before cove.
Deputy Editor, InsuranceMichelle Megna Lead Editor, Insurance
Michelle is a lead editor at Forbes Advisor. She has been a journalist for over 35 years, writing about insurance for consumers for the last decade. Prior to covering insurance, Michelle was a lifestyle reporter at the New York Daily News, a magazine.
Michelle Megna Lead Editor, Insurance
Michelle is a lead editor at Forbes Advisor. She has been a journalist for over 35 years, writing about insurance for consumers for the last decade. Prior to covering insurance, Michelle was a lifestyle reporter at the New York Daily News, a magazine.
Michelle Megna Lead Editor, Insurance
Michelle is a lead editor at Forbes Advisor. She has been a journalist for over 35 years, writing about insurance for consumers for the last decade. Prior to covering insurance, Michelle was a lifestyle reporter at the New York Daily News, a magazine.
Michelle Megna Lead Editor, Insurance
Michelle is a lead editor at Forbes Advisor. She has been a journalist for over 35 years, writing about insurance for consumers for the last decade. Prior to covering insurance, Michelle was a lifestyle reporter at the New York Daily News, a magazine.
| Lead Editor, Insurance
Updated: Jun 17, 2024, 5:44am
Have a question we may not have answered?
Ask our editors here
Have a question for Les Masterson or our other editors?
Ask here for a chance to be featured in a story.
This form is protected by reCAPTCHA Enterprise and the Google Privacy Policyand Terms of Serviceapply.
Send a note to Les Masterson, Michelle Megna and our other editors. We read every email.
By submitting this form, you agree to allow us to collect, store, and potentially publish your provided information, including name and question, in the article or any related content. You confirm that the submitted content is original, accurate, and non-infringing on any third-party rights. We may contact you via the email address provided for follow-up questions or to notify you if your question is selected for publication. See our Terms of Useand our Privacy Policy.
Thank you for submitting your question.
Keep reading Forbes Advisor for the chance to see the answer to your question in one of our upcoming stories. Our editors also may be in touch with follow-up questions.
Continue reading
Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors’ opinions or evaluations.
Our Expert Take
Our Expert Take
Our research found that Allstate offers excellent home insurance rates and many discounts. But its most recent complaint ratio numbers are higher than the industry average.
Pros
- Very competitive home insurance costs compared to competitors.
- No banned dog list for most homeowners unless you live in California.
- Offers many types of home insurance discounts, including discounts for new homes, partially renovated homes, loyalty and customers age 55+ and retired.
Cons
- No option to add extended or guaranteed replacement cost coverage.
- Complaint levels are worse than the industry average.
Compare rates from participating partners via EverQuote’s website.
Our ratings take into account a product’s cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team.
Average annual home insurance costAverage monthly home insurance costComplaints
Table of Contents
- Key Takeaways
- About Allstate Homeowners Insurance
- Allstate Homeowners Insurance State Availability
- Allstate Homeowners Insurance Policy Coverage
- Additional Homeowners Insurance Coverage Offered by Allstate
- What Isn’t Covered by Allstate Homeowners Insurance?
- How Much Does Allstate Homeowners Insurance Cost?
- Allstate Homeowners Insurance Cost Comparison
- Allstate Home Insurance Discounts
- How Do I Buy a Homeowners Insurance Policy From Allstate?
- How to File a Homeowners Insurance Claim with Allstate
- Allstate Homeowners Insurance vs. Competitors
- Consumer Experience and Complaints Against Allstate
- Where Allstate Excels
- Where Allstate Falls Short
- Additional Home Insurance Companies to Explore
- Methodology
- Allstate Homeowners Insurance Frequently Asked Questions
Why You Can Trust Forbes Advisor
Our editors are committed to bringing you unbiased ratings and information. Our editorial content is not influenced by advertisers. We use data-driven methodologies to evaluate insurance companies, so all companies are measured equally. You can read more about our editorial guidelines and the methodology for the ratings below.
- 70 coverage details scored
- 33,200 rates analyzed
- 102 years combined insurance experience on the editorial team
Key Takeaways
- Allstate’s average home insurance cost is $116 a month ($1,395 annually). That’s about $300 less than the national average, based on our analysis.
- Allstate has a low level of complaints about home insurance filed to state departments of insurance, which indicates good customer service.
- Allstate stopped selling new home insurance policies to California residents in 2023.
About Allstate Homeowners Insurance
Allstate sold its first insurance policy in 1931. Allstate’s residential fire insurance policy, the precursor to today’s homeowners insurance, was introduced in 1954. Today, Allstate is the second-largest homeowners insurance company in the United States. The company is based in Northbrook, Illinois.
Allstate Homeowners Insurance State Availability
Allstate Homeowners Insurance Policy Coverage
Allstate’s home insurance includes the standard types of coverage you’d want in a homeowners policy.
Covers damage to your house and its structure.Other structures coverageCovers damage to structures such as detached garages and fences.Covers damage or theft of your belongings, such as furniture, electronics and clothes.
Covers accidental property damage and injuries you cause to others. It also pays for your legal defense if you are sued because of an accident.
Covers your extra costs when you can’t live at home because of damage covered by the policy (such as a fire). Hotel bills and restaurant meals are two extra expenses that can be reimbursed.
Covers small medical bills when someone blames you for their injuries because of your accidental actions (or someone in your household) or your pet’s. Coverage is usually $1,000 to $5,000 and can be paid without determining fault.
See More See Less
There are several types of home-related coverage sold by Allstate including condo, renters, landlord and vacation home coverage. If you aren’t finding the coverage types you need, take a look at our list of the best home insurance companies.
Additional Homeowners Insurance Coverage Offered by Allstate
Allstate offers a number of optional, add-on coverage types for home insurance customers:
- Electronic data recovery. Covers the cost of recovering lost computer data, including photos and videos.
Green improvement reimbursement. Pays the cost of replacing damaged home appliances with more energy efficient appliances. - Identity theft restoration. Covers your lost wages, legal fees and other expenses when your identity is stolen and you have to fix the problem.
- Musical instruments. Expanded insurance for valuable musical instruments.
- Scheduled personal property. This is a way to fully insure valuable items such as expensive jewelry, separate from your personal property coverage
- Sports equipment. Extra coverage for expensive sports equipment, such as ski equipment.
- Water backup. If a drain backs up or your sump pump breaks, water backup insurance pays to repair the damage.
- Yard and garden. Expanded coverage for damage beyond the standard home insurance limits if you have expensive trees, shrubs and other landscaping.
In addition, an umbrella insurance policy can be added to an Allstate homeowners and/or auto insurance policy for an extra layer of liability insurance.
What Isn’t Covered by Allstate Homeowners Insurance?
Allstate home insurance doesn’t cover everything. Similar to other home insurers, Allstate doesn’t cover:
- Damage connected to your negligence or lack of maintenance.
- Earthquakes.
- Floods.
- Governmental action like seizure of property.
- Intentional damage by you.
- Nuclear hazard.
- Ordinance or law, such as if a government requires you to demolish, rebuild, renovate or repair your home.
- Power failure that happens off the property.
- War.
How Much Does Allstate Homeowners Insurance Cost?
Our analysis found that Allstate home insurance costs an average of $116 a month ($1,395 annually) for a policy with $350,000 in dwelling coverage, which is about $300 less than the national average.
Dwelling coverage plays an important role in determining the cost of home insurance. Allstate home insurance costs:
- $88 a month or $1,055 annually for $200,000 in dwelling coverage.
- $149 a month or $1,784 annually for $500,000 in dwelling coverage.
- $206 a month or $2,427 annually for $750,000 in dwelling coverage.
All of those averages for Allstate are below the national average.
Home insurance costs will vary depending on several factors, such as:
- Where you live.
- The cost to rebuild the house.
- The materials that make up your house, like wood, stone, stucco and brick.
- How close you are to a fire department and water source.
- The claims history in your area, such as wildfires and crime rates.
- Your personal claims history.
- How much coverage you choose.
- Your credit (if allowed in your state as a pricing factor).
Allstate Homeowners Insurance Cost Comparison
Allstate has competitive homeowners insurance rates compared to some other top competitors analyzed by Forbes Advisor.
Source: Quadrant Information Services. *USAA is available only to veterans, military members and their families.
See More See Less
Allstate Home Insurance Discounts
Discounts are a great way to save money. Here are Allstate’s homeowners insurance discounts:
- Bundling. Buy both your home and auto insurance policies from Allstate and you can save up to 25%.
- Claims-free discount. Allstate offers a lower rate if you don’t have recent claims and switch to the insurer.
- Early signing discount. When you sign up for a new policy at least seven days before your current policy expires, you’re eligible for a discount of up to 10%.
- Easy pay plan discount. Up to 5% off when you sign up for automatic payments for your home insurance bill.
- Home buyer discount. If you bought a home recently, you’re eligible for a discount.
- Protective device discount. A price break for having a theft or fire protection device.
- Responsible payment and pay-in-full discounts. If you pay your home insurance bill on time, you’ll get a discount for being a responsible payer. You also are eligible for a discount if you pay for your policy in full rather than in installments.
- Welcome and loyalty discount. If you switch to Allstate you can save up to 10% on your home insurance premium. The discount continues for as long as you remain a customer.
How Do I Buy a Homeowners Insurance Policy From Allstate?
You can buy home insurance from Allstate by contacting the company or speaking with an Allstate agent.
You can also go to Allstate’s website and request a quote. You can get quotes for other Allstate policies, including car insurance, on the site.
It’s good to figure out how much coverage you wants before requesting a quote.
How to File a Homeowners Insurance Claim with Allstate
You can file an Allstate claim by logging into your Allstate account. The company will want information like:
- Date of damage.
- Information about the event.
- List of what’s damaged.
- Photos of damage.
- Weather conditions if they played a part in the damage.
After you file a claim, Allstate will generally send a claims adjuster to check out the damage and provide an estimate. Once you agree to the claim amount, you can choose a professional from the Allstate Good Hands Repair Network to perform the work and the insurer will work directly with the person. Or you can hire someone outside of the network.
Depending on who you choose to perform the repairs, Allstate will either send you a claims check to pay the person or the company will pay the professional directly.
Allstate Homeowners Insurance vs. Competitors
Allstate offers competitive rates, but where does it stand overall against competitors?
Allstate vs. Nationwide Homeowners Insurance
Forbes Advisor rating
3.2 stars
4.6 starsAvailabilityAll 50 states and Washington, D.C.43 states and Washington, D.C.Average monthly home insurance costHome insurance complaint levelMulti-policy discount?Offers extended replacement cost coverage?Offers guaranteed replacement cost coverage?Banned dog breed list?See More See Less
Allstate vs. USAA Homeowners Insurance
Forbes Advisor rating
3.2 stars
4.8 starsAvailabilityAll 50 states and Washington, D.C.All 50 states and Washington, D.C.Average monthly home insurance costHome insurance complaint levelMulti-policy discount?Offers extended replacement cost coverage?Offers guaranteed replacement cost coverage?Banned dog breed list?*USAA home insurance is available only to active military, veterans and their families.See More See Less
Allstate vs. State Farm Homeowners Insurance
Forbes Advisor rating
3.2 stars
4.8 starsAvailabilityAll 50 states and Washington, D.C.All 50 states and Washington, D.C.Average monthly home insurance costHome insurance complaint levelMulti-policy discount?Offers extended replacement cost coverage?Offers guaranteed replacement cost coverage?Banned dog breed list?See More See Less
Was this article helpful?
Share your feedbackSend feedback to the editorial teamThank You for your feedback!Something went wrong. Please try again later.Get Homeowners Insurance
- Best Homeowners Insurance Companies
- Cheap Homeowners Insurance
- Compare Home Insurance Quotes
- Average Cost of Home Insurance
- Best Home Insurance for Veterans and Military Members
- Best Home and Auto Insurance Bundle
- Home Insurance Calculator
Next Up In Homeowners Insurance
- Cheapest Homeowners Insurance Companies
- Best Homeowners Insurance Companies
- Average Cost Of Homeowners Insurance
- How Much Homeowners Insurance Do You Need?
- Top Homeowners Insurance Tips
- Compare Home Insurance Quotes
More from
How Do ISO Fire Ratings Affect Home Insurance Rates?
By Elizabeth Rivelli
What Is A Homeowners Insurance Declarations Page?
By Erik Martin
Replacement Cost Estimator: What It Is & How To Estimate
By Elizabeth Rivelli
Homeowners Insured By Last-Resort State Plans Face New Hurdles, Higher Costs
By Dawn Nici
Openly Home Insurance Review 2024
By Les Masterson
Weather Experts Predict 2024 Atlantic Hurricane Season To Be Busier Than Normal
By Dawn Nici
© 2024 Forbes Media LLC. All Rights Reserved.
Are you sure you want to rest your choices?
The Forbes Advisor editorial team is independent and objective. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. This compensation comes from two main sources. First, we provide paid placements to advertisers to present their offers. The compensation we receive for those placements affects how and where advertisers’ offers appear on the site. This site does not include all companies or products available within the market. Second, we also include links to advertisers’ offers in some of our articles; these “affiliate links” may generate income for our site when you click on them. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Forbes Advisor. While we work hard to provide accurate and up to date information that we think you will find relevant, Forbes Advisor does not and cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof. Here is a list of our partners who offer products that we have affiliate links for.
