Allstate Home Insurance Review 2023: Coverage & Cost

In this article: Pros & Cons | At a Glance | Policy Coverage | Cost | Discounts | Customer Reviews | FAQs

Since its inception in 1931, Allstate has grown into one of the largest and most well-known insurers in the United States, with more than 129 million insurance policies in effect.

We at the Guides Home Team have analyzed customer reviews and third-party ratings, secret-shopped and evaluated coverage options in our in-depth review of Allstate. If you’re looking for a trusted provider with an extensive lineup of add-ons and access to local agents, Allstate could be one of the best homeowners insurance companies to meet your needs.

Check out a few of our highlights for Allstate:

Allstate offers the home insurance coverages below in its standard plan:

These coverages can be purchased for traditional, mobile and manufactured homes.

Allstate stands out for offering more endorsements than most providers. These add-ons allow you to enhance your coverage and mold your policy to your needs.

Here's a quick overview of the optional coverages Allstate offers:

Flooding is excluded from basic home insurance policies, but an Allstate agent can help you purchase a plan through the National Flood Insurance Program (NFIP). Your lender may require flood coverage if you live in a FEMA flood zone.

According to a 2021 study from the Insurance Information Institute (III), the national average cost of homeowners insurance was $1,249 per year in 2018.

However, your rates will vary based on several factors, including the following:

In our secret-shopping process, we found that Allstate tends to have above-average rates. However, it also offers some of the best savings for bundling home and auto insurance.

Because so many variables can impact cost, we recommend you compare quotes from at least three providers using your home information to get accurate quotes and make the most informed decision.

Allstate offers plenty of discounts. Here's a breakdown of the discounts you could be eligible for:

Get a quote to see how much you could save with Allstate.

In our analysis of Allstate, we examined more than 100 Allstate homeowners insurance reviews from policyholders to gauge their perceptions of the company's customer experience.

We found that most of Allstate's negative reviews were from auto insurance policyholders rather than homeowners and renters insurance customers. However, some homeowners complained about Allstate's increasingly high premiums and denial of claims. When we reached out to Allstate about the negative reviews and cons listed in this article, the company did not comment.

Numerous positive reviews referenced Allstate's friendly and helpful customer service representatives and quick claims process, including filing claims using Allstate's mobile app.

Here's what a few Allstate customers had to say about the company's customer experience on ConsumerAffairs*:

"I’ve been with Allstate Insurance for over 20 years and when I purchase my homes, I have them insured through Allstate. I just moved from Atlanta to Kansas City and upon buying my new home – I had to get quotes from other insurance companies, but upon seeing the value of my policy with Allstate, it was no comparison. Their prices are barely above any others price-wise and with having the multi-policy discount, I’m saving that amount anyhow. Most importantly is the actual coverage and when I’ve had claims, it's been an easy process. In fact, last time I had a roofing incident with trees, they came out immediately without an appointment and were checking everything out, taking photos, and asking if my family was okay." —Lawrence via ConsumerAffairs

"Allstate is a national company with the assets to cover major losses. I like the fact that they put so much emphasis on locally owned offices. Their rates are excellent when compared to other national companies, but it is important to check the coverage details so as to get an apples to apples rate comparison, Allstate is not terribly good in virtual communication. Their website is not user friendly and tends to tilt toward helping the agency more than the consumer. They are responsive once you can connect with a live person to speak with. They handled claims quickly and without a lot of argument." —Ken of McKinney, Texas, via Consumer Affairs

"Easy to pay through automatic deduction. I never had a claim, but it's a solid company. My rep is super friendly, and she gets me answers very quickly. I have been with them for many years. Their rates are very competitive." —Ken of San Diego, Calif., via ConsumerAffairs

"Allstate is good! Their response to claim is very good. But they are more expensive than other insurance companies. If they could lower their premium, it will be great. Hope that they will lower it for the benefit of their customers and their business." —Elisha via ConsumerAffairs

*Reviews accurate as of February 2023.

Allstate is one of our top picks for homeowners insurance, with customizable policies, extensive add-ons and rewarding discounts. It's also one of the insurance industry's largest and most well-known providers, with solid financial strength and customer experience ratings.

However, there are a handful of top-notch home insurance companies you may want to consider before choosing your policy. For instance, if you’re looking for a provider with a streamlined artificial intelligence (AI)-based claims process, we recommend Lemonade. Regardless of which provider you settle on, it's wise to compare home insurance quotes from multiple providers.

Allstate has a positive reputation in the insurance industry. It carries A-level customer service and financial strength ratings from the BBB and AM Best. It also scored above the industry average in the J.D. Power 2021 U.S. Home Insurance Study, based on overall customer satisfaction.

Allstate is one of the select providers that offers flood insurance through the federal government's National Flood Insurance Program (NFIP). This insurance includes building property coverage for your home and personal property coverage for your belongings.

Allstate's dwelling coverage protects your home and pays to repair or replace it in the event of a covered peril, such as a fire, hailstorm or act of vandalism.

Allstate offers several types of insurance, including life insurance, auto insurance and business insurance. It does not offer home warranties. However, you can receive a discount when you bundle an Allstate auto insurance policy with your home insurance policy.

The 80% rule is a guideline used by insurance agents to determine how much homeowners insurance coverage you need. This rule recommends that homeowners enroll in insurance worth 80% or more of the total replacement cost value of their property. By doing so, homeowners can ensure that they have enough coverage in the case of a partial loss and avoid penalties for being underinsured.

Our team surveyed dozens of home insurance providers and created a scoring system to judge each company's quality and service. We reach out for sample quotes, both over the phone and on the internet, to simulate an authentic customer experience. Here are the factors that account for our provider reviews:

Companies with the best customer service exhibit 24/7 availability, educational resources on their website, useful digital tools and a seamless claims-filing process. Providers that offer extensive discount options, endorsements, customizable coverage options and unique features score significantly higher than those that don't, putting them toward the top of our recommendations to readers.

Parker King is a writer, editor and SEO content strategist with a master's degree in professional communication from Clemson University and years of experience in the digital marketing industry. She specializes in writing, editing and optimizing personal finance, home services and insurance content.

Rebekah Young is an editor with a decade of experience in educational content and editing. Before joining the Guides Home Team to focus on home services content, she guided content strategy and edited in the insurance, venture capital, financial and health care fields. Rebekah has a bachelor's degree in communication and English.