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, InsuranceLes 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 By Les Masterson Deputy Editor, InsuranceLes 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, InsuranceLes 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, Insurance Michelle Megna Lead Editor, InsuranceMichelle 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, InsuranceMichelle 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, InsuranceMichelle 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, InsuranceMichelle 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
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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.
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 cost Average monthly home insurance cost ComplaintsWhy 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.
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’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 coverage Covers 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 LessThere 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.
Allstate offers a number of optional, add-on coverage types for home insurance customers:
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.
Allstate home insurance doesn’t cover everything. Similar to other home insurers, Allstate doesn’t cover:
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:
All of those averages for Allstate are below the national average.
Home insurance costs will vary depending on several factors, such as:
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 LessDiscounts are a great way to save money. Here are Allstate’s homeowners insurance discounts:
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.
You can file an Allstate claim by logging into your Allstate account. The company will want information like:
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 offers competitive rates, but where does it stand overall against competitors?
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