Allstate Home Insurance provides homeowners with protection for their property, belongings and personal liability. A standard Allstate homeowners policy can include dwelling coverage, personal property coverage, liability protection, guest medical protection and additional living expenses when a covered loss makes the home uninhabitable. Coverage limits, deductibles and exclusions depend on the specific policy and location.
Allstate's standard homeowners coverage can help pay for certain covered losses involving events such as fire and smoke, theft, windstorm or hail, falling objects, frozen plumbing and certain types of water damage. However, homeowners should understand that standard policies generally do not cover flood, earth movement, normal wear and tear, lack of maintenance or certain other excluded situations. Separate coverage may be available for some risks, including flood insurance.
One of Allstate's notable features is its range of discounts. Eligible homeowners may qualify for savings through multi-policy bundling, claim-free history, responsible payment, protective devices, new-home or homebuyer discounts and other qualifying factors. Allstate also offers a home-and-auto bundle, with the company currently advertising potential savings of up to 20%, subject to eligibility and policy terms.
Customers can obtain quotes online by entering their ZIP code and can work with Allstate agents to select coverage appropriate for their property. Premiums are determined by factors including the home's location, age, property and belongings value, claims history and selected deductible.
Forbes Advisor's current analysis estimates Allstate's average homeowners insurance cost at $2,329 per year for $350,000 of dwelling coverage. This is a benchmark rather than an individual quote.
