{"id":323517,"date":"2025-11-10T15:39:08","date_gmt":"2025-11-10T20:39:08","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=118546"},"modified":"2025-11-10T15:39:08","modified_gmt":"2025-11-10T20:39:08","slug":"allstate-review","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/homeowners\/allstate-review\/","title":{"rendered":"Allstate Homeowners Insurance Review"},"content":{"rendered":"            <span class=\"b-toc-anchor\" id=\"review\" title=\"Allstate Homeowners Insurance Review\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Reviews Report<\/h2>\n\n\n\n<ul class=\"is-style-blog-list\"><li>Industry satisfaction has been under pressure amid premium increases and availability constraints; see the <a aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.jdpower.com\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">2020 J.D. Power U.S. Home Insurance Study<\/a> for the latest trends and top-ranked carriers (reported on a 1,000-point scale).<\/li><li>Allstate\u2019s core property-casualty companies hold high financial strength ratings \u2014 AM Best A+ (Superior), S&amp;P AA-, and Moody\u2019s Aa3; verify current outlooks\/dates on <a href=\"https:\/\/www.allstate.com\">Allstate\u2019s credit ratings page<\/a> and see AM Best\u2019s scale in the <a href=\"https:\/\/www.ambest.com\/ratings\/guide.html\">Guide to Best\u2019s Credit Ratings<\/a>.<\/li><li>Recent NAIC-based analyses indicate Allstate receives more complaints than expected for its size: homeowners above the 1.00 industry baseline (roughly 1.5\u20132.0) and auto around 2.5x; learn how the index works at the <a href=\"https:\/\/content.naic.org\">NAIC Consumer Complaint Index<\/a> and see homeowners findings in <a href=\"https:\/\/www.bankrate.com\">Bankrate\u2019s review<\/a>.<\/li><\/ul>\n\n\n\n<p>Allstate homeowners insurance is available in many states nationwide, including Washington D.C.; eligibility and new-business availability can vary by location as carriers tighten underwriting in higher-risk areas, a trend noted in the <a href=\"https:\/\/www.jdpower.com\">latest J.D. Power U.S. Home Insurance Study<\/a>. Policies are generally underwritten by Allstate\u2019s own insurance subsidiaries rather than third-party carriers.&nbsp;<\/p>\n\n\n\n<p>Allstate pairs agent support with robust digital tools. The Allstate Mobile app supports policy management, bill pay, claims intake and tracking (including photo estimating via QuickFoto Claim), Drivewise crash detection, and in-app roadside requests (<a href=\"https:\/\/apps.apple.com\">Allstate Mobile<\/a>; see also <a href=\"https:\/\/www.allstate.com\/claims\">Allstate Claims<\/a>). Financial strength remains a core strength: AM Best A+ (Superior), S&amp;P AA-, Moody\u2019s Aa3 for key operating companies (see <a href=\"https:\/\/www.allstate.com\">Allstate credit ratings<\/a>).<\/p>\n\n\n\n<p>Our homeowners review focuses on coverage design, satisfaction and claims trends, and discounts relevant to homeowners. Allstate offers standard home coverages with optional endorsements (e.g., water backup\/sump overflow, identity theft, scheduled property) and program features like HostAdvantage for home sharing and umbrella liability. Bundling with auto or other lines can yield account-level savings, but availability and pricing vary by state and risk profile.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Allstate&#8217;s Average Home Insurance Premiums in the U.S. <\/h2>\n\n\n<div class=\"infogram-graphic infogram-graphic--carrier_national_map_price_by_state h-margin-top-30 h-margin-bottom-30\">\n    <div class=\"infogram-embed\" data-id=\"_\/ooVnCPPLYs3d5qocy8jQ\" data-type=\"interactive\" data-title=\"Carrier Rates State Map - Progressive\"><\/div><script>!function(e,i,n,s){var t=\"InfogramEmbeds\",d=e.getElementsByTagName(\"script\")[0];if(window[t]&&window[t].initialized)window[t].process&&window[t].process();else if(!e.getElementById(n)){var o=e.createElement(\"script\");o.async=1,o.id=n,o.src=\"https:\/\/e.infogram.com\/js\/dist\/embed-loader-min.js\",d.parentNode.insertBefore(o,d)}}(document,0,\"infogram-async\");<\/script>\n<\/div>\n\n\n\n\n<p><em>Data provided by <a href=\"https:\/\/coverage.com\" rel=\"nofollow\" class=\"achor-toggles\">Coverage.com<\/a>. Average homeowners premiums vary significantly by state, coverage limits, deductibles, and risk factors (roof age\/material, wildfire\/wind\/hail exposure). Recent <a href=\"https:\/\/www.jdpower.com\">J.D. Power research<\/a> highlights broad premium increases; use state-specific quotes to gauge Allstate pricing where you live.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"overview\" title=\"Allstate Home Insurance Overview\"><\/span>\n    \n\n\n<section id=\"block_5f8e044a4c2d2\" class=\"block b-stats-overview\">\n    <h2 class=\"b-stats-overview-title\">Allstate Home Insurance Overview<\/h2>\n    <div class=\"b-stats-overview-grid\">\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\" b-stats-overview-grid-item-title\">\n                In business since:\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">1931<\/span>\n        <\/div>\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\"tooltip b-stats-overview-grid-item-title\">\n                J.D. Power Score: \r\n\n                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">See latest study<\/span>\n        <\/div>\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\"tooltip b-stats-overview-grid-item-title\">\n                AM Best Financial Strength Rating: \r\n\n                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">A+<\/span>\n        <\/div>\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\" b-stats-overview-grid-item-title\">\n                States served (availability):\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">Most states (availability varies)<\/span>\n        <\/div>\n            <\/div>\n<\/section>\n\n\n\n<p>Allstate is one of the country\u2019s largest home insurers with broad but location-dependent availability. Standard homeowners coverages include dwelling (structure), personal property, loss of use, and personal liability, with optional add-ons such as water backup\/sump overflow, identity theft, scheduled personal property, and green improvement reimbursement. Flood insurance is typically written via the NFIP and may be purchased through Allstate. HostAdvantage can extend protection for home-sharing, and personal umbrella policies can increase liability limits for added protection.<\/p>\n\n\n\n<p>Financially, Allstate\u2019s core operating companies carry strong ratings \u2014 AM Best A+ (Superior), S&amp;P AA-, Moody\u2019s Aa3 \u2014 reflecting solid claims-paying ability; check the most current outlooks and action dates on <a href=\"https:\/\/www.allstate.com\">Allstate\u2019s ratings page<\/a> and see rating-scale definitions in <a href=\"https:\/\/www.ambest.com\/ratings\/guide.html\">AM Best\u2019s guide<\/a>. Recent J.D. Power research notes that homeowners satisfaction has trended lower industrywide due to price increases and availability constraints (<a href=\"https:\/\/www.jdpower.com\">source<\/a>).<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"pros\" title=\"Pros and Cons\"><\/span>\n    \n\n\n<section id=\"block_5f8e05a54c2dd\" class=\"block b-pro-cons\">\n            \n<div class=\"b-pro-cons__wrapper\">\n    <h4 class=\"b-pro-cons__title b-pro-cons__title--important\"> PROS<\/h4>\n    <ul class=\"b-pro-cons__list b-pro-cons__list--pros\">\n                                <li class=\"b-pro-cons__list-item \">\n                <span class=\"b-pro-cons__list-item-title\">You can manage your policy through the app. <\/span>\n\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item \">\n                <span class=\"b-pro-cons__list-item-title\">No third-party underwriters<\/span>\n\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item \">\n                <span class=\"b-pro-cons__list-item-title\">Coverage for Home-Sharing<\/span>\n\n                            <\/li>\n                <\/ul>\n<\/div>\n    \n            \n<div class=\"b-pro-cons__wrapper\">\n    <h4 class=\"b-pro-cons__title b-pro-cons__title--important\"> CONS<\/h4>\n    <ul class=\"b-pro-cons__list b-pro-cons__list--cons\">\n                                <li class=\"b-pro-cons__list-item \">\n                <span class=\"b-pro-cons__list-item-title\">NAIC homeowners complaint index above industry average<\/span>\n\n                            <\/li>\n                <\/ul>\n<\/div>\n    <\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"highlights\" title=\"Allstate Highlights\"><\/span>\n    \n\n                \n<section id=\"block_5f8e05df4c2e2\" class=\"block b-highlights-tabs\">\n    <h2 class=\"b-highlights-tabs__title\">Allstate Highlights<\/h2>\n    \n    <div class=\"b-highlights-tabs__tabs-list\">\n        <div class=\"b-highlights-tabs__tabs-list-nav\">\n                            <div class='b-highlights-tabs__tabs-list-nav-item active' data-index=\"1\"> Pricing <\/div>\n                            <div class='b-highlights-tabs__tabs-list-nav-item ' data-index=\"2\"> Coverage <\/div>\n                            <div class='b-highlights-tabs__tabs-list-nav-item ' data-index=\"3\"> Customer experience <\/div>\n                            <div class='b-highlights-tabs__tabs-list-nav-item ' data-index=\"4\"> Discounts and add-ons <\/div>\n                    <\/div>\n\n        <div class=\"swiper-container\">\n            <div class=\"swiper-wrapper\">\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Pricing\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p><span style=\"font-weight: 400;\">Homeowners premiums are highly state- and risk-specific. In recent market cycles, rate levels have risen broadly due to loss-cost inflation, reinsurance, and catastrophe exposure; J.D. Power reports price as the largest drag on satisfaction in its latest home study.<\/span> <a href=\"https:\/\/www.jdpower.com\">Latest J.D. Power study<\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Your premium will reflect home characteristics (replacement cost, roof age\/material, protective devices), location (hail, wind, wildfire, flood risk), and policy choices (limits and deductibles). Availability and eligibility may be tighter in catastrophe-exposed ZIP codes.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Get multiple state-specific quotes and review deductibles (including wind\/hail or named-storm deductibles where applicable) to balance cost and risk.<\/span><\/p>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Coverage\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p><span style=\"font-weight: 400;\">Allstate offers standard homeowners policies, including <\/span><a href=\"https:\/\/www.reviews.com\/insurance\/what-is-hazard-insurance\/\"><span style=\"font-weight: 400;\">dwelling<\/span><\/a><span style=\"font-weight: 400;\">, personal property, and <\/span><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/what-is-personal-liability\/\"><span style=\"font-weight: 400;\">liability<\/span><\/a><span style=\"font-weight: 400;\"> and also several add-ons to help customers achieve the coverage that fits their homes. Customers can add coverage for identity theft, water backup, reimbursement for eco-friendly renovations, and more.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Customers can also add non-standard insurance such as:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><b> Flood insurance<\/b><span style=\"font-weight: 400;\">, typically arranged via the NFIP for storm-prone areas<\/span><\/li>\n<li style=\"font-weight: 400;\"><b>HostAdvantage<span style=\"font-weight: 400;\">\u00ae<\/span><\/b><span style=\"font-weight: 400;\"> for those who are home-sharing<\/span><\/li>\n<li style=\"font-weight: 400;\"><b>Personal umbrella policy<\/b><span style=\"font-weight: 400;\"> to extend liability limits beyond the homeowners policy<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Overall, you can customize your Allstate policy to fit your needs; pay attention to special deductibles (wind\/hail, hurricane) and roof coverage terms common in some regions.<\/span><\/p>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Customer experience\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p><span style=\"font-weight: 400;\">The <\/span><a href=\"https:\/\/www.jdpower.com\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">2021 J.D. Power Property Claims Satisfaction Study,<\/span><\/a><span style=\"font-weight: 400;\"> along with the latest home study, shows property claims satisfaction at multi-year lows industrywide amid inflation and longer cycle times. Experiences vary by carrier and state.<\/span><span style=\"font-weight: 400;\"> NAIC-based analyses find Allstate\u2019s homeowners complaint index above the 1.00 industry baseline (and its auto complaints well above average). See the index method at the <\/span><a href=\"https:\/\/content.naic.org\"><span style=\"font-weight: 400;\">NAIC<\/span><\/a><span style=\"font-weight: 400;\"> and homeowners findings in <\/span><a href=\"https:\/\/www.bankrate.com\"><span style=\"font-weight: 400;\">Bankrate<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Allstate\u2019s web and mobile experience includes Digital Locker for home inventories, QuickFoto Claim photo estimating for eligible claims, and in-app roadside requests. The Allstate Mobile app also enables policy management and bill pay (<\/span><a href=\"https:\/\/apps.apple.com\"><span style=\"font-weight: 400;\">App Store listing<\/span><\/a><span style=\"font-weight: 400;\">).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The app also allows clients to:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><b>Handle their policy<\/b><\/li>\n<li style=\"font-weight: 400;\"><b>Pay bills<\/b><\/li>\n<li style=\"font-weight: 400;\"><b>Check on a claim<\/b><\/li>\n<li style=\"font-weight: 400;\"><b>Get roadside assistance<\/b><\/li>\n<\/ul>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Discounts and add-ons\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p><span style=\"font-weight: 400;\">For homeowners, common savings opportunities include bundling (home + auto), installing protective devices (monitored alarms, smoke detectors), claims-free history, early signing, and account\/billing preferences (e.g., autopay), plus profile-based savings such as 55+ senior and first-time homebuyer where offered. Availability and amounts vary by state. See a current roundup in <\/span><a href=\"https:\/\/www.bankrate.com\"><span style=\"font-weight: 400;\">Bankrate\u2019s Allstate homeowners review<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Discounts are also available for eligible customers who:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><b>Are over 55 years old<\/b><\/li>\n<li style=\"font-weight: 400;\"><b>Are first-time home buyers<\/b><\/li>\n<li style=\"font-weight: 400;\"><b>Bundle their insurance policies<\/b><\/li>\n<li style=\"font-weight: 400;\"><b>Set up automatic payments<\/b><\/li>\n<li style=\"font-weight: 400;\"><b>Move to Allstate as new customers without a recent claim<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Pay on-time and responsibly<\/strong><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Claims-free discount<\/strong><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Speak with an agent to confirm homeowners-specific discounts available in your ZIP code and how they apply to your policy.<\/span><\/p>\n<p>&nbsp;<\/p>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                            <\/div>\n\n            <div class=\"swiper-navigation-wrapper-refresh\">\n                <div class=\"swiper-button-prev\"><\/div>\n                <div class=\"swiper-pagination\"><\/div>\n                <div class=\"swiper-button-next\"><\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"comp\" title=\"The Competition\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The Competition<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Reviews.com Score<\/strong><\/td><td><strong>AM Best Financial Strength<\/strong><\/td><td><strong>J.D. Power (latest)**<\/strong><\/td><td><strong>NAIC Complaints<\/strong><\/td><\/tr><tr><td>Allstate<\/td><td>4<\/td><td> A+<\/td><td>See 2024 home study<\/td><td>Homeowners index above 1.00 (NAIC)<\/td><\/tr><tr><td><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/state-farm-review\/\"><strong>State Farm<\/strong><\/a><\/td><td>3.75<\/td><td>A++<\/td><td>See 2024 home study<\/td><td>Varies by state\/line (check NAIC)<\/td><\/tr><tr><td><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/geico-review\/\"><strong>Geico<\/strong><\/a><\/td><td>2.75<\/td><td>A++<\/td><td>See 2024 home study<\/td><td>Varies by partner\/line<\/td><\/tr><tr><td><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/progressive-review\/\"><strong>Progressive<\/strong><\/a><\/td><td>3.75<\/td><td>A+<\/td><td>See 2024 home study<\/td><td>Varies by state\/line<\/td><\/tr><tr><td><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/amica-review\/\"><strong>Amica<\/strong><\/a><\/td><td>4.25<\/td><td>A+<\/td><td>Top performer (homeowners)<\/td><td>Fewer complaints than average<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*Information reflects current public sources (J.D. Power, NAIC, AM Best) as of 2025.&nbsp;<\/em><\/p>\n\n\n\n<p><em>**Based on a 1,000-point scale<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"vs1\" title=\"Allstate vs. State Farm\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Allstate vs. State Farm<\/h2>\n\n\n\n<p>Both Allstate and State Farm underwrite their own homeowners policies and offer nationwide reach, though eligibility and new-business availability can be constrained in higher-risk regions. Each provides standard HO coverages with optional endorsements and large agent networks plus digital self-service. J.D. Power\u2019s latest <a href=\"https:\/\/www.jdpower.com\">Home Insurance Study<\/a> notes industrywide satisfaction pressure from price increases and underwriting constraints, so compare coverage terms (deductibles, roof coverage) alongside price.<\/p>\n\n\n\n<p>Claims experiences for both are influenced by catastrophe activity; J.D. Power\u2019s <a href=\"https:\/\/www.jdpower.com\">Property Claims Satisfaction Study<\/a> highlights slower cycle times in recent seasons. NAIC complaint indices vary by line and legal entity; Allstate\u2019s homeowners index has been above average in recent third-party rollups, while State Farm\u2019s results vary by state and year. Check your state\u2019s NAIC index before deciding.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"vs2\" title=\"Allstate vs. Geico\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Allstate vs. Geico<\/h2>\n\n\n\n<p>A key difference is distribution: Geico generally places homeowners policies through partner insurers, so underwriting, rates, and claims handling vary by the issuing partner, whereas Allstate typically underwrites its own homeowners policies. Both offer online quoting and policy customization.<\/p>\n\n\n\n<p>On financial strength, Geico\u2019s companies hold an A++ (Superior) AM Best rating while Allstate\u2019s core operating companies hold A+ (Superior); both are high-grade and support strong claims-paying ability (<a href=\"https:\/\/www.geico.com\">GEICO ratings<\/a>; <a href=\"https:\/\/www.allstate.com\">Allstate ratings<\/a>). For satisfaction and claims, consult J.D. Power\u2019s <a href=\"https:\/\/www.jdpower.com\">home study<\/a> and <a href=\"https:\/\/www.jdpower.com\">property claims study<\/a> for current industry trends.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"line\" title=\"The Bottom Line\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\"><strong>The Bottom Line<\/strong><\/h2>\n\n\n\n<p>Allstate offers strong financial backing, broad homeowners coverage options, and a polished digital\/app experience. However, NAIC-based analyses show above-average complaint levels in homeowners relative to the 1.00 baseline, and J.D. Power reports continued pressure on home insurance satisfaction due to premium increases and availability constraints. Compare quotes and coverage terms, verify state-specific complaint indices via the <a href=\"https:\/\/content.naic.org\">NAIC<\/a>, and consider bundling and mitigation discounts to optimize value.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"faqs\" title=\"Allstate Home Insurance FAQ\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\"><strong>Allstate Home Insurance FAQ<\/strong><\/h2>\n\n\n<div id=\"block_5f8e06624c2e7\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What other property insurance does Allstate home insurance offer?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Along with home insurance, other property insurance coverage that Allstate offers includes renters, condo, business, and landlord.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_5f8e06704c2e8\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">How much home insurance do I need?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Your homeowner&#8217;s insurance needs depend on your home&#8217;s replacement cost. You also need to factor in the value of your belongings and the amount of liability you may require. Take a look at our <\/span><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/faq\/\"><span style=\"font-weight: 400;\">homeowner&#8217;s insurance FAQ<\/span><\/a><span style=\"font-weight: 400;\"> to help you determine all your home insurance needs.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_5f8e06844c2e9\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Where is Allstate home insurance coverage available?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Allstate home insurance is available in many states<\/span><span style=\"font-weight: 400;\"> and Washington D.C.; availability and eligibility can vary by location.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_5f8e06ad4c2ea\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">How does Allstate underwrite their home insurance policies?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Allstate underwrites all its own home insurance policies. This means there&#8217;s no dealing with a third party.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_5f8e06bc4c2eb\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What does Allstate home insurance typically cover?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Allstate homeowners policies typically cover damage caused by:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Weather<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Fire and smoke<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Falling objects<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Water from heating or cooling systems<\/span><\/li>\n<\/ul>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Reviews Report Industry satisfaction has been under pressure amid premium increases and availability constraints; see the 2020 J.D. Power U.S. Home Insurance Study for the latest trends and top-ranked carriers (reported on a 1,000-point scale). Allstate\u2019s core property-casualty companies hold high financial strength ratings \u2014 AM Best A+ (Superior), S&amp;P AA-, and Moody\u2019s Aa3; verify [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":355712,"parent":1691,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-refresh-spr.php","meta":[],"categories":[1268],"tags":[],"post_author":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Allstate Homeowners Insurance Review - Reviews.com<\/title>\n<meta name=\"description\" content=\"We have evaluated multiple home insurance companies. 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