Jane Dotson
Allstate homeowners insurance offers a range of coverage options and add-ons, including standard protections and additional coverage for water backups, valuables, and identity theft restoration. The company provides insurance in all 50 states and Washington, D.C., and offers rates below the national average, making it a good option for those seeking home insurance quotes. Allstate has received positive reviews for its solid overall value, with customers praising its customer service and loyalty. However, some have criticised the company for its handling of claims and billing issues. With a wide variety of coverage options, generous discounts, and nationwide availability, Allstate is a very good insurance company overall, particularly for bundling home and auto insurance.
| Characteristics | Values |
|---|---|
| Customer Loyalty | 4.4 out of 5 |
| Customer Satisfaction | 4.7 out of 5 |
| Standard Coverage | Fire damage, debris removal, detached structures, personal items, personal liability insurance, and living expenses if the home is uninhabitable |
| Purchase Method | Through an agent, not online |
| Claims | Can be filed through the online portal or by calling an agent |
| Natural Disaster Claims | Dedicated phone line: 800-54-STORM |
| Discounts | Bundling, claims-free, early signing, easy pay plan, and home buyer |
| Add-ons | Water backups, valuables, HostAdvantage, identity theft restoration, business property coverage, green improvement reimbursement, yard and garden coverage, replacement cost coverage, ordinance or law coverage, extended replacement cost coverage, and service line coverage |
| Availability | All 50 states and Washington, D.C. |
| Average Annual Cost | $2,560 |
| Customer Service | Good with some issues receiving claims payments |
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Customer satisfaction
A major factor influencing customer satisfaction is the process of dealing with claims. One customer on Reddit describes Allstate as an "absolute nightmare", citing issues with their billing system and lowballing. Another Reddit user, an insurance agent, mentions that they have heard from their clients that Allstate is difficult when it comes to settling claims. However, a review on U.S. News states that Allstate provided great customer service and efficiently managed the process of switching homeowners insurance from another company.
Allstate offers a wide variety of coverage options and discounts for homeowners. Their standard coverage includes everything one would expect from this type of insurance policy, such as fire damage and debris removal, as well as covering detached structures and personal items. They also provide personal liability insurance, which protects against lawsuits for accidental injury or damage to others or their property. Additionally, Allstate offers several add-ons, including identity theft restoration, water backup coverage, and increased coverage for valuable items.
In terms of pricing, Allstate's rates are generally below the national average, making it a good option for those seeking home insurance quotes. Bundling home and car insurance can lead to significant savings, with Allstate offering an average bundling discount of 18%, compared to the national average of 15%. However, Allstate's car insurance rates are higher than those of other companies, and their home insurance rates have been described as expensive compared to competitors like Progressive and Travelers.
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Discounts and savings
Allstate's standard home insurance coverages provide the usual protections, along with several add-ons that might be valuable. For example, extra coverage for water backups and valuables such as jewelry can be worth the added cost. Other optional home insurance add-ons from Allstate include HostAdvantage, which increases protection for your belongings if you rent your home out for short periods.
Allstate charges an average of $2,560 a year for homeowners insurance, which is 9% less than the national average of $2,801. Allstate also offers a range of discounts that can lead to significant savings. For example, bundling your home and car insurance can save you an average of 25%.
Allstate's DriveWise program uses a smartphone app to monitor your driving habits, and avoiding unsafe behaviours like speeding or hard braking can get you a discount when you renew your policy. Additionally, Allstate's pay-per-mile Milewise program can save you money if you drive less.
While Allstate's homeowners insurance has received positive reviews for its value and customer service, some customers have reported issues with the claims process and policy coverage. It is always a good idea to compare quotes and review the policy details carefully before making a decision.
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Coverage options
Allstate homeowners insurance offers a range of coverage options to its customers. The standard coverage includes everything one would expect from this type of insurance policy. It covers the cost of rebuilding one's home in the event of a total loss, including fire damage and debris removal. The policy also covers detached structures such as detached garages and personal belongings, including furniture and clothing. Personal liability insurance is also included in the standard package, protecting against lawsuits for accidental injury or damage to others or their property. This coverage also helps pay for associated medical expenses if a guest is injured at the policyholder's residence. In the event that a home is rendered uninhabitable due to an extreme event such as a storm or fire, the insurance will cover the expenses of living elsewhere.
Allstate also offers a variety of optional add-ons for those seeking extra coverage. These include identity theft restoration, which covers legal fees and other costs associated with identity theft. Water backup coverage is another add-on that protects against damage caused by a backed-up drain or broken sump pump. For those with valuable possessions, increased coverage for items like jewellery, antiques, and musical instruments can be purchased. Business property coverage is another option, providing higher limits for business-related items stored in one's home.
Allstate's HostAdvantage coverage is designed for those who rent out their homes through platforms like Airbnb. This insurance covers the cost of replacing or repairing personal property that is stolen or damaged by renters, up to $10,000 per rental host period. Ordinance or law coverage is another feature that pays for bringing one's home up to current building codes during covered repairs. Extended replacement cost coverage ensures that the cost of rebuilding one's home after a disaster is covered, even if it exceeds the expected amount. Service line coverage is also available, paying for damage to water, sewer, or other lines connecting the home to public utilities.
Allstate's coverage options are available in all 50 states and Washington, D.C., with policies purchased through agents rather than online. The company provides a wide range of discounts, including those for bundling home and auto insurance, claims-free histories, early signing, and easy pay plans.
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Complaint ratio
Allstate homeowners insurance has received mixed reviews. While some customers have praised its solid overall value, others have complained about issues with receiving claims payments and lowballing.
Allstate's home insurance policies are available across the United States and offer a wide range of coverage options and discounts. Its standard coverage includes everything one would expect from a homeowners insurance policy, such as fire damage and debris removal, detached structures, and personal belongings. Allstate also offers several add-ons, including identity theft restoration, water backup coverage, increased coverage for valuables, and business property coverage.
In terms of customer satisfaction, Allstate has received varying feedback. According to WalletHub's editors, Allstate has earned a rating of 2.8/5 due to its wide variety of coverage options, generous discounts, and nationwide availability. However, they note that Allstate could improve its pricing and customer service. Similarly, a review on U.S. News gives Allstate a score of 4.4 out of 5 for customer loyalty, with 90% of respondents indicating they were likely to renew their Allstate homeowners insurance. On the other hand, Allstate has received criticism for its handling of claims, with some customers reporting difficulties in settling claims and issues with payment status.
When it comes to complaint ratios, Allstate has been reported to have an average complaint ratio to state insurance departments. This ratio indicates that the level of complaints about home insurance is comparable to that of its competitors. However, it's important to note that Allstate's NAIC rating of 2.45 suggests that they receive more complaints than the average car insurance provider, adjusted for size.
Overall, while Allstate homeowners insurance offers comprehensive coverage and discounts, there are mixed reviews regarding customer satisfaction and complaints about claims handling. It is always advisable to compare rates, coverage, and customer feedback before selecting an insurance provider.
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Claims
Allstate offers a variety of ways to file a claim. The company suggests filing claims through your online portal, but you can also call an agent at 1-800-255-7828 to submit a claim. If your claim is the result of a natural disaster, there is a dedicated phone line: 800-54-STORM.
To make the claims-filing process easier, Allstate recommends taking detailed photos and videos of the damage. You should also gather all receipts and documentation verifying the amount you plan to claim, particularly for items covered by supplemental insurance. If your claim involves theft or another crime, you should contact the police to file a report before contacting your insurance agent.
Allstate offers a Claim RateGuard addition to your homeowners insurance policy, which promises that your rates won't increase just because you file a claim. It applies to one claim every five years. Allstate also offers claim-free rewards, where you can get 5% back every year you don't file a claim, and deductible rewards, which reduce your deductible by $100 every year you don't file a claim, up to $500.
Allstate received above-average scores for claims handling in a U.S. News survey, with 4.3 out of 5 points, tying for third place with USAA and Nationwide. Less than 1% of survey respondents reported being dissatisfied with the ease of filing a claim. However, Allstate homeowners insurance has also received a large volume of negative reviews, and one source notes that the level of complaints about home insurance to state insurance departments is about average, meaning some competitors have better complaint levels.
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Frequently asked questions
Allstate's standard homeowners insurance covers fire damage, debris removal, detached structures, and personal items. It also includes personal liability insurance, which protects against lawsuits for accidental injury or damage to others or their property.
Allstate offers several optional add-ons for homeowners insurance, including identity theft restoration, water backup coverage, increased coverage for valuable items, business property coverage, green improvement reimbursement, and yard and garden coverage.
Allstate's homeowners insurance rates are below the national average, making it a cost-effective option. However, it's important to compare quotes from different companies as rates can vary based on coverage packages, deductibles, and other factors.
Allstate recommends filing homeowners insurance claims through their online portal. Alternatively, you can call their dedicated claim line at 800-255-7828. To make the claims process smoother, take detailed photos and videos of any damage.
