- Allstate Homeowners Insurance Overview: Allstate has a long history dating back to 1931, now ranking as the second-largest home insurer in the U.S., with strong financial ratings and a nationwide presence through about 6,000 agents.
- Pros and Cons of Allstate Homeowners Insurance: While Allstate offers extensive customization, competitive pricing, and top-tier digital tools, its claims satisfaction ratings are below industry average, with higher complaint volumes and limited new policies in California.
- Coverage Options and Policy Tiers: Allstate provides a tiered approach with Basic, Standard, and Enhanced policies, offering various coverages and endorsements including unique options like green improvements and claim rate protection.
- Pricing, Discounts, and Cost Factors: The average premium for Allstate is about $2,049, below the national average, with discounts available for bundling, safety devices, and having a new home, though rates are rising in some states.
- Customer Experience, Claims, and Final Verdict: Allstate has strong digital tools and trusted agents but faces challenges in claims satisfaction and complaint volume, making it a good choice for those valuing customization and price, but less ideal for claims experience-focused customers.
Allstate Homeowners Insurance Overview
Allstate has been selling insurance since 1931, when it started as Sears, Roebuck and Co.’s in-house auto insurer. It became a fully independent company in 1995 and has grown into the second-largest home insurer in the United States. The slogan “You’re in good hands” has been around since the 1950s.
Today, Allstate operates through roughly 6,000 exclusive agents, employs about 55,400 people, and ranks No. 70 on the Fortune 500 with revenue of roughly $66 billion. The company carries an A+ (Superior) financial strength rating from AM Best, along with S&P AA- and Moody’s Aa3 ratings.
Allstate’s homeowners product stands out for its customization options. Three policy tiers, a long list of endorsements (including a few you won’t find elsewhere), and more discount categories than most competitors give you a lot of flexibility. The tradeoff is that Allstate’s claims track record has some red flags: its J.D. Power claims score sits below the industry average, and its NAIC complaint volume runs nearly double what’s expected for a company its size. These factors kept Allstate off of our list of the top rated home insurance companies.
Allstate Homeowners Insurance Pros and Cons
Pros
- More customization than most: Three policy tiers (Basic, Standard, Enhanced) plus a wider range of endorsements than nearly any competitor, including green improvement reimbursement and Claim RateGuard.
- Below-average pricing: Average annual premium of ~$2,049 for a $300K dwelling, which is roughly 21% below the national average of ~$2,584.
- Best-in-class digital experience: Allstate tops the rankings for digital tools among national carriers per Insure.com, with a strong mobile app for policy management and claims filing.
- Extensive discount options: More discount categories than most competitors, including new home credit, claim-free rewards (5% back/yr), and deductible rewards ($100/yr reduction, up to $500).
- Strong financial backing: A+ (Superior) AM Best, S&P AA-, Moody’s Aa3. The second-largest home insurer in the U.S. has $66 billion in revenue.
- Claim RateGuard is unique: Your rates won’t increase after your first claim (one claim every five years). Few competitors offer anything similar.
Cons
- Below-average claims satisfaction: J.D. Power claims score of 665/1,000 falls below the industry average of 682. Common complaints include slow processing and extended timelines.
- NAIC complaints nearly double expected: The company receives roughly 1.5–2x the complaint volume expected for its size, which is a meaningful red flag.
- Not writing new policies in California: If you’re in CA, Allstate isn’t an option for new homeowners’ coverage.
- Rate increases happening: Allstate filed for an 8.8% home insurance rate increase in Illinois, effective February 2026, affecting 200,000+ policyholders. Other states may follow.
- Smaller agent network than State Farm: About 6,000 exclusive agents vs. State Farm’s 19,200+, so in-person access may be more limited depending on where you live.
Allstate Home Insurance Coverage Options
Standard Coverage
Allstate’s standard homeowners policy (HO-3) covers the usual six categories. What’s different here is the tiered approach: Allstate offers Basic, Standard, and Enhanced packages, so you can choose your level of protection upfront rather than building everything from scratch with endorsements.
Coverage Type | What It Covers | Notable Details |
Dwelling (A) | Your home’s structure, walls, roof, built-in appliances, and attached structures | Coverage varies by tier; Enhanced includes broader protections |
Other Structures (B) | Detached garages, sheds, fences, pools | Typically, 10% of dwelling coverage |
Personal Property (C) | Furniture, clothing, electronics, belongings | Replacement cost available; sub-limits on certain categories |
Loss of Use (D) | Additional living expenses if the home is uninhabitable | Covers hotel, meals, and other costs during repairs |
Personal Liability (E) | Lawsuits for bodily injury or property damage you cause | Starts at $100,000; higher limits available |
Medical Payments (F) | Medical bills for guests injured on your property | No-fault coverage pays regardless of who is at fault |
Policy Tiers
Allstate’s three-tier structure is one of its biggest differentiators:
- Basic: Core coverages at the lowest price point. Good for budget-conscious homeowners with lower-value homes.
- Standard: The most popular option. Adds broader coverage and some built-in endorsements above Basic.
- Enhanced: The most comprehensive package. Includes Claim RateGuard, deductible rewards, and claim-free rewards. Best for homeowners who want maximum protection and don’t mind paying a bit more.
Add-Ons and Endorsements
This is where Allstate really separates itself. The list of available endorsements is longer than what most competitors offer:
- Water backup coverage: Covers damage from backed-up sewers, drains, or a broken sump pump.
- Claim RateGuard: Your rates won’t go up after your first claim (one per five years). Included in the Enhanced tier or available as an add-on.
- Green improvement reimbursement: Pays the extra cost of replacing damaged items with more energy-efficient alternatives. Unique to Allstate among major carriers.
- Electronic data recovery: Covers the cost of recovering lost personal data like photos, videos, and documents.
- Yard and garden: Increased limits for landscaping, trees, and riding lawn mowers.
- Sports equipment: Extra coverage for expensive sports gear like golf clubs or ski equipment.
- Musical instruments: Additional coverage for instruments beyond standard sub-limits.
- Business property: Coverage for business-related items stored at home.
- Scheduled personal property: For high-value items like jewelry, art, or collectibles that exceed standard limits.
- Identity theft restoration: Helps cover legal fees and recovery costs.
- HostAdvantage: Protects your belongings if you rent out your home through a home-sharing platform.
- Flood insurance: Available through Allstate’s private flood option (Beyond Floods) or through the NFIP.
What’s Not Covered
Standard exclusions apply: flood (unless added), earthquake, normal wear and tear, pest damage, mold from negligence, settling, and contamination. Business liability and vehicle damage are also excluded.
Pricing and Cost
Allstate’s home insurance premiums come in below the national average, though not quite as cheap as State Farm home insurance or USAA.
Coverage Level | Allstate Avg. | National Avg. | Difference |
$300K dwelling | ~$2,049/yr | ~$2,584/yr | 21% below average |
$250K dwelling | ~$2,381/yr | Varies | Below average |
The usual factors affect your rate:
- Location: Rates vary widely by state. Alaska averages about $1,881/yr with Allstate, while Missouri runs around $3,539/yr.
- Home characteristics: Age, construction type, roof material,l and square footage.
- Credit-based insurance score: Used in most states.
- Claims history: Past 3–5 years of personal claims and prior claims on the property.
- Coverage tier: Basic, Standard, or Enhanced. Moving up a tier increases your premium but adds built-in benefits.
Worth knowing: Allstate has been raising rates in several states. In Illinois, an 8.8% average increase took effect in February 2026, affecting 200,000+ policyholders. Check recent rate filings in your state before committing.
Allstate Homeowners Insurance Discounts and Savings
Allstate offers more discount categories than most competitors. If you like stacking discounts, this is one of Allstate’s strongest selling points.
Discount | Estimated Savings | Details |
Multi-policy bundling | Up to 25% | Bundle home and auto for the biggest single discount |
New home credit | Varies (often the largest) | Discount for newly built or recently purchased homes |
Claim-free rewards | 5% back per year | Percentage back on your premium for each claim-free year (Enhanced tier) |
Deductible rewards | $100/yr reduction | Deductible drops $100 each claim-free year, up to $500 (Enhanced tier) |
Early signing | Varies | Sign up at least 7 days before your current policy expires |
Protective devices | Varies by state | Fire/burglar alarms, monitored security systems |
Windstorm mitigation | Varies (FL only) | Wind-damage mitigation features for Florida homeowners |
Loyalty | Varies | Discount for long-term policyholders |
Compared to State Farm, Allstate’s discount lineup is noticeably deeper. State Farm offers roughly four named discount categories; Allstate has eight or more. The claim-free rewards and deductible rewards programs in Allstate’s Enhanced tier are unique features you won’t find at State Farm.
Claims Experience
The Data
Claims are Allstate’s weak spot, and the data backs that up:
- J.D. Power Property Claims Satisfaction: 665/1,000 in 2025, below the industry average of 682.
- NAIC complaints: Nearly double the expected volume for a company of Allstate’s size. The complaint index runs roughly 1.5–2.0x the 1.00 industry baseline, which is a consistent pattern over the past three years.
- Common complaints: Slow claims processing, extended timelines, and disputes over claim amounts appear frequently on Trustpilot, Reddit, and BBB.
- Claim resolution: Allstate scores 4.02/5 for claim resolution per U.S. News, ranking No. 5 out of the top 10 companies. Amica leads at 4.56.
How to File a Claim
Allstate provides several ways to file a homeowners’ claim:
- Through the Allstate mobile app
- Online at allstate.com/claims
- By calling 1-800-547-8676
- Through your local Allstate agent
Allstate’s app is one of the better ones for claims filing, with photo upload, digital tracking, and direct communication with your adjuster. The digital experience during the claims process is a bright spot, even if the overall resolution satisfaction lags.
Customer Service and Digital Experience
Agent Network
Allstate operates through about 6,000 exclusive agents nationwide. That’s a captive model similar to State Farm, meaning these agents only sell Allstate products and know them well. The network is smaller than State Farm’s 19,200+ offices, so in-person availability depends on where you live.
In surveys, 88% of Allstate customers say they trust the company, 87% would recommend it to others, and 90% plan to renew. Those are solid numbers, though the high NAIC complaint volume suggests that satisfaction can drop sharply when you actually need to file a claim.
Mobile App and Online Tools
This is one of Allstate’s real strengths. Insure.com ranked Allstate first for digital experience among national carriers. The app handles policy management, payments, ID cards, and claims filing well. You can also get online quotes, manage coverage changes, and chat with support through the app.
If a strong digital experience matters to you, Allstate is one of the better choices among traditional insurers (only Lemonade and USAA consistently score higher on digital tools).
Financial Strength
Allstate’s financial position is strong. As a publicly traded company (NYSE: ALL) with a $54.5 billion market cap, it has the resources to pay claims even after large-scale catastrophes.
- AM Best Financial Strength Rating: A+ (Superior)
- S&P Global: AA-
- Moody’s: Aa3
- Fortune 500 ranking: No. 70 (2025)
- Revenue: ~$66 billion (trailing twelve months)
- Second-largest home insurer in the United States
- In business since 1931 (94 years)
Who Is Allstate Home Insurance Good For?
Best For
- Homeowners who want lots of customization. Between three policy tiers and a dozen-plus endorsement options, Allstate lets you build exactly the coverage you want.
- Discount stackers. If you have a new home, a clean claims history, and are willing to bundle, Allstate’s discount lineup can cut your premium significantly.
- Homeowners who value digital tools. If you want to manage your policy, file claims, and communicate with your insurer through an app, Allstate is one of the best options among traditional carriers.
- Eco-conscious homeowners. The green improvement reimbursement is a nice differentiator if you want to rebuild with energy-efficient materials after a loss.
Not Ideal For
- Homeowners who prioritize claims experience above all else. Allstate’s below-average J.D. Power claims score and high NAIC complaint volume are real concerns.
- California homeowners. Allstate isn’t writing new homeowners’ policies in the state, but Travelers home insurance may be worth looking into.
- Budget-first buyers. While Allstate is below the national average, State Farm and USAA home insurance tend to be cheaper.
- People who want the biggest agent network. At ~6,000 agents, Allstate’s in-person footprint is a third the size of State Farm’s.
How to Get a Quote
You can get a homeowners insurance quote in three ways:
- Online at allstate.com (available 24/7)
- By calling 1-877-810-2920
- Through a local Allstate agent (find one at allstate.com/local)
Have these ready for an accurate quote:
- Property address and year built
- Square footage, construction type, and number of stories
- Roof material and age
- Current insurance details (if switching)
- Desired coverage tier (Basic, Standard, or Enhanced)
- Information about security systems, alarms, or protective devices
How Allstate Home Insurance Compares
Allstate | State Farm | USAA | |
Overall Rating | 3.5 / 5 | 4.0 / 5 | 4.5 / 5 |
Avg. Annual Premium ($300K) | ~$2,049 | ~$2,133 | ~$1,548 |
AM Best Rating | A+ (Superior) | A+ (Superior) | A+ (Superior) |
J.D. Power Claims | 665 / 1,000 | 661 / 1,000 | Above average |
Bundling Discount | Up to 25% | Up to 25% | Up to 10% |
Discount Variety | 8+ categories | ~4 categories | Moderate |
States Available | 49 (not CA new) | 48 + D.C. | All 50 |
Best For | Customization + digital | Budget + agent access | Military families |
Allstate Home Insurance vs. State Farm Home Insurance
Allstate wins on customization, discounts, and digital experience. State Farm wins on pricing, agent network size, and built-in coverage extras (inflation guard, extended replacement cost). Both have below-average J.D. Power claims scores, though for different reasons. If you value flexibility and a good app, go to Allstate. If you want the cheapest rate with the most agent offices, go to State Farm.
Allstate Home Insurance vs. USAA Home Insurance
USAA beats Allstate on pricing, claims satisfaction, and overall customer satisfaction across the board. The catch: USAA is only available to military members and their families. If you’re eligible, USAA is generally the better deal. If you’re not, Allstate offers more customization options than most alternatives.
Final Verdict
Allstate earns a 3.5 out of 5 in our review. It’s a strong option for homeowners who want more control over their coverage, with three policy tiers, a longer list of endorsements than most competitors, and more ways to save through discounts. The pricing is competitive at roughly 21% below the national average, and the digital experience is among the best in the industry for a traditional carrier.
The problem is claims. Allstate’s J.D. Power claims score (665) sits below the industry average (682), and its NAIC complaint volume is nearly double what’s expected for a company of its size. If you never file a claim, Allstate is a great deal. If you do, the experience may be frustrating.
If Allstate’s customization and discount options appeal to you, get a quote at allstate.com or through a local agent. Compare it against State Farm (for lower base pricing) and Erie or Amica (for better claims experience) before making your decision.
Our Methodology
This review uses a weighted scoring system: coverage options (25%), pricing and value (20%), claims experience (20%), customer service (15%), discounts and savings (10%), and digital experience (10%).
More Allstate Reviews
Frequently Asked Questions
Answers to your questions about Allstate home insurance.
If you value customization and competitive pricing, it’s a solid choice. If claims experience is your top priority, look at Erie, Amica, or USAA.
Allstate has been in business since 1931 and is the second-largest home insurer in the United States. It’s a publicly traded Fortune 500 company (No. 70) with $66 billion in revenue, an A+ (Superior) rating from AM Best, and S&P AA- and Moody’s Aa3 ratings. It is licensed and regulated in all 50 states. The company employs about 55,400 people and operates through roughly 6,000 exclusive agents. There’s no question about Allstate’s legitimacy.
Allstate’s average annual premium is around $2,049 for $300,000 in dwelling coverage, roughly 21% below the national average. Your actual rate will depend on location, home characteristics, credit score, claims history, and which policy tier you choose (Basic, Standard, or Enhanced). Bundling home and auto can save up to 25%.
Flood is excluded from all standard homeowners policies, including Allstate’s. But Allstate offers two flood insurance options: a private flood product called Beyond Floods and policies through the National Flood Insurance Program (NFIP). Ask your agent which option makes more sense for your property.
Earthquake damage is excluded from standard policies. Allstate offers earthquake coverage as a separate policy or endorsement in most states. Availability and pricing vary by location.
You can file through the Allstate mobile app, online at allstate.com/claims, by calling 1-800-547-8676, or through your local agent. The app supports photo uploads, digital tracking, and direct communication with your adjuster. File as soon as possible after discovering damage and document everything with photos.
Claim RateGuard is an Allstate endorsement that prevents your rates from increasing after your first claim. It applies to one claim every five years; filing more than one may still result in a rate increase. It’s included in the Enhanced policy tier or can be added to Basic or Standard policies for an additional premium.
Yes. Allstate offers a multi-policy discount of up to 25% when you bundle home and auto. You can also bundle with other products like renters, condo, or life insurance for additional savings.
