Home Insurance
Smart Score
80
Customer Service
Industry Average: 7.9
Claims Process
Industry Average: 7.9
Value for Price
Industry Average: 7.6
Allstate Overview
The Allstate Corporation is the largest publicly held personal lines property and casualty insurer in America. Allstate offers a broad array of protection products through multiple brands and diverse distribution channels, including auto, home, life and other, which makes it a great choice for customers looking for a “one-stop” company. Even if you are shopping solely for auto insurance, they offer generous perks like accident forgiveness, new car replacement and a safe-driving bonus every six months
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Allstate Coverage Options
When it comes to their home, everyone has a different situation and differing needs for protection. While every home insurer offers the same standard coverages. they tend to differ when it comes to what they offer or optional additional protections. Below we list and describe all the extras offered by Allstate
| Available Option | What it means | |
|---|---|---|
Additional Insured | The additional insured endorsement extends the liability portion (Coverage E) of your homeowner policy to others living in the home who are not related by blood, marriage, or adoption. It can also apply to those not living with you but who have partial ownership of the property. For example, if your girlfriend's dog bites someone and she gets sued, this endorsement would allow her to make a claim on your policy to cover the costs. | |
Assisted Living | Generally, this endorsement just extends coverage to personal property that a family member has in an assisted living facility. Some insurers also reimburse a portion of the additional living expenses if your loved one is temporarily displaced. | |
Business Pursuits | Standard liability coverage protects you and your family against bodily injury or property damage claims made by others. However, this coverage extends only to your personal liability, not your business liability. This endorsement removes that exclusion, thereby providing coverage for harm resulting from business pursuits. Some businesses may not be eligible for this endorsement, depending on the state and insurer. | |
Child Care Liability | This niche endorsement offers some protection from potential lawsuits and damages for those that operate daycares from home. They cover liability (bodily injury and property damage claims from others). Some policies also cover damages to your personal property. Certain states may also require separate daycare insurance. | |
Computer | Like Scheduled Property, this endorsement provides additional coverage for households with expensive (or multiple) computers. A standard policy will provide some protection, but this extends it. Keep in mind; this is not a warranty. If a laptop simply malfunctions, coverage likely won't apply with most insurers. External damage from risks like fire, theft, and lightning surges are more what it covers. | |
Debris Removal | While many homeowners insurance policies cover some amount of debris removal after a covered loss, they tend to limit how much they will pay. This endorsement raises those limits on the standard policy. For insurers who don't offer debris removal by default, this endorsement enables such coverage. | |
Electronic Data Recovery | This endorsement covers the cost of recovering lost personal computer data caused by a loss. | |
Allstate availability in these states
Allstate Home Discounts
While all companies offer a range of home insurance discounts, it's hard to judge any individual discount's value in a meaningful way. For one, the discounts are typically a percentage off the base price, instead of the whole policy.
What does this mean?
Your best bet is to directly discuss your particular situation with an agent to make sure you're getting all the discounts that you may be eligible for on your home policy. For reference, we've listed all the discounts we believe Allstate has below in order to help determine which ones may fit your profile (though keep in mind that they can vary by state).
| Available Option | Discount Data | What it means |
|---|---|---|
Advance Quote / Early Signing | 4% to 19% | One of the easiest discounts to score with some advance planning. Customers can often save simply by quoting and buying their homeowners policy some time (typically at least seven days) ahead of the policy actually going into effect. Keep in mind though that this discount tends to only apply to the first policy term, increasing annual cost after year one. |
Claim-free | 3% to 36% | When a homeowner has not had any claims, it's a sign to insurers that they are less likely to make one in the future. With this lower risk profile, insurers can offer savings. The look-back window is almost always five years, but some insurers only look back three years or offer the discount on a sliding scale. |
Credit / Financial Responsibility | 4% to 35% | While prohibited in a few states, credit scores are a common tool for estimating certain types of risk. While most insurers use a special type of credit score, the idea is the same as regular ones. Higher scores correspond to smaller perceived risks and therefore larger discounts. |
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