Allstate Homeowners Insurance
Allstate is one of the largest homeowners insurance providers in the United States, protecting millions of homes across all 50 states. Known for its bundling discounts and local agent network, Allstate offers standard homeowners coverage along with optional add-ons for higher-value protection. But is Allstate the right choice for your home? This review breaks down everything you need to know — from average costs to coverage details to how Allstate stacks up against competitors.
Quick Verdict
Allstate is a solid choice for homeowners who value bundling discounts (especially home + auto), want access to a local agent, and need standard coverage with optional add-ons. It's not the cheapest option — average premiums run higher than State Farm and USAA — but the agent network, brand stability, and discount structure make it competitive for multi-policy households. If price is your top priority and you don't need a local agent, shop around.
Is Allstate dropping homeowners insurance? No — Allstate continues to offer homeowners insurance nationwide. However, Allstate has paused writing new policies in some high-risk states (notably California) due to wildfire exposure. If you're in an affected state, check availability with a local agent before applying.
Allstate Homeowners Insurance Overview
Allstate Corporation, founded in 1931, is the nation's largest publicly held personal lines insurer. The company holds an A+ (Superior) financial strength rating from AM Best, indicating strong ability to pay claims. Allstate serves approximately 16 million customers through a network of over 50,000 agents.
AM Best Rating: A+ (Superior)
J.D. Power Home Insurance Satisfaction: Above average (ranks in top 10 nationally)
NAIC Complaint Index: Slightly above the national median — Allstate receives more complaints than average relative to its market share, primarily around claims handling speed.
How Much Does Allstate Homeowners Insurance Cost?
The average Allstate homeowners insurance policy costs approximately $2,100–$2,500 per year (roughly $175–$210 per month), though this varies significantly by state, home value, coverage limits, and deductible. Allstate tends to be slightly more expensive than the national average, which sits around $1,900/year.
Factors that affect your premium include your home's location (coastal and disaster-prone areas cost more), age and construction of the home, claims history, credit score, chosen deductible, and coverage limits. Bundling home and auto with Allstate can reduce your total premium by up to 25%.
What Does Allstate Homeowners Insurance Cover?
Allstate's standard homeowners policy (HO-3) covers the typical perils you'd expect from a major insurer:
- Dwelling coverage: Repairs or rebuilds your home's structure after covered damage (fire, wind, hail, lightning, etc.)
- Personal property: Covers belongings (furniture, electronics, clothing) damaged or stolen
- Liability protection: Covers legal costs and damages if someone is injured on your property
- Additional living expenses: Pays for temporary housing if your home is uninhabitable after a covered event
- Other structures: Covers detached garages, fences, sheds, and similar structures
Allstate also offers optional add-ons including water backup coverage, identity theft restoration, yard and garden coverage, green improvement reimbursement, and scheduled personal property for high-value items like jewelry and art.
How to Get an Allstate Home Insurance Quote
You can get an Allstate homeowners insurance quote online at allstate.com, by calling 1-800-ALLSTATE, or by visiting a local Allstate agent. The online quote process takes about 10-15 minutes and asks for your home address, construction details, current coverage (if any), and desired coverage limits.
For the most accurate quote, have your current policy declarations page handy. Allstate's agents can also run comparison quotes showing different coverage levels and deductible options side by side, which helps you find the right balance between premium cost and coverage.
Available Discounts
Allstate offers a strong lineup of discounts that can significantly reduce your premium:
- Multi-policy (bundle) discount: Up to 25% off when you bundle home + auto
- Claims-free discount: Lower rates if you haven't filed a claim in the past 5 years
- New home discount: Savings for newly purchased or newly built homes
- Protective device discount: Savings for security systems, smoke detectors, deadbolts, and fire extinguishers
- Early signing discount: Switch to Allstate before your current policy expires for additional savings
- Loyalty discount: Increasing savings the longer you stay with Allstate
Customer Reviews and Complaint Ratios
Allstate's customer satisfaction is mixed. In J.D. Power's Home Insurance Study, Allstate consistently ranks above average but below top performers like Amica and Erie. The most common complaints relate to claims handling speed and settlement amounts — a pattern shared by most large national insurers.
The NAIC complaint index for Allstate homeowners insurance runs slightly above the national median (1.0), meaning Allstate receives somewhat more complaints than expected relative to its market share. Most complaints center on claims disputes, not billing or service issues. That said, Allstate's agent network tends to score well for pre-purchase experience and policy questions — the friction points emerge primarily during claims.
Allstate vs Competitors
How does Allstate compare to other major homeowners insurance providers?
Allstate vs State Farm: State Farm is generally cheaper for standard policies and has a larger agent network. Allstate offers more optional coverage add-ons and tends to be more competitive for bundled policies. If you're bundling home + auto, get quotes from both.
Allstate vs Travelers: Travelers often offers lower premiums and has stronger J.D. Power satisfaction scores. Allstate has a larger agent network and better brand recognition. Travelers may be the better choice if price is your primary concern.
Allstate vs USAA: USAA consistently ranks as the top homeowners insurer in customer satisfaction, but it's only available to military members and their families. If you're eligible for USAA, it's almost always the better choice on both price and service.
Who Should Choose Allstate?
Allstate homeowners insurance is best for households that want a well-known national brand with local agents, plan to bundle home and auto insurance for maximum savings, need optional coverage add-ons like water backup or identity theft protection, and prefer working with a dedicated agent rather than going through an online-only insurer.
Allstate may not be the best fit if you're purely shopping on price (State Farm and Travelers are often cheaper), if you're eligible for USAA, or if you're in a high-risk area where Allstate has limited availability.