All State Home Insurance Quote – SecureScore™: 8.4/10 This rating is based on our editorial team’s research, product testing, and customer surveys.
What if the unexpected happens? An out of control car crashes into your house. A tornado rips through the city and rips off the roof. A thief steals your electronics. So what?
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The truth is, home insurance is home security. It can protect your home and finances from various risks. Like a 24/7 monitored security system, your home insurance provider works behind the scenes to help you sleep easier at night. (Home insurance even covers theft and burglary!)
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But not all lighting is the same. There are significant differences from policy to policy and provider to provider. Fortunately, Allstate makes things simple and offers flexible policies for almost every homeowner. I’ll break down Allstate’s prices below, but let’s talk about coverage.
Like most homeowner’s insurers, Allstate covers all the basics.1 A standard policy from Allstate will cover:
Our in-depth Allstate review has more information on the types of coverage, but I wanted to briefly touch on one of its unique coverages, HostAdvantage. The industry-first provider of policies aimed at homeowners who use their properties for short-term rentals, Allstate has you covered if your guests get a little too rude, say, putting a hole in the dryer or grilling cheese. sandwich in the dryer. Hey, you never know.
Tip: Whether you rent your home or want to purchase insurance, it’s important to do a home inventory of your personal belongings. That way, you can more accurately gauge how much insurance you need. Check out our home insurance guide to learn more about these and other great tips and tricks.
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Now that you have a pretty good idea of the types of coverage that Allstate offers, let’s take a look at what Allstate has to offer.
Homeowners insurance should help you recover in the event of an unexpected event or disaster, but you don’t want to have a sense of security.2 There’s nothing worse than having your policy purchased flood coverage. house planets float.
Every policy is different, and every situation is unique. Similar to what we see in travelers’ homeowner’s insurance, Allstate offers all kinds of coverage outside of its typical policy in the form of additional coverage. Talk to your provider about which coverages make the most sense for you.
With that being said, the big question is: What will it all cost?
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Asking how much homeowners insurance costs is like asking how much a car costs. The Lamborghini will work a little harder than the Toyota.
FYI: In general, you’ll want to get enough homeowners insurance to cover the costs of completely rebuilding the home, replacing your belongings, and living elsewhere while your home is being repaired.
Homeowners insurance rates depend on many factors, including your home’s price, size, location, and amenities, so it can be difficult to determine what your rate will be. Fortunately, Allstate makes it very easy to get a quote online, so that’s exactly what I did.
The average home price in America today is about $300,000, so I used a dealership in Atlanta to get a pretty good standard policy from Allstate. Here’s how it broke down:
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This plan will cost $91 per month, or $092 annually. It’s not bad, but your quote will vary based on the above factors. In my research, I saw other “average” quotes for Allstate ranging from $100 to $130 per month.
To understand what this means, it’s helpful to give this figure some context. Here are monthly rates for some of Allstate’s competitors.
All things considered, Allstate is middle of the road in monthly premiums. I wouldn’t say it’s the cheapest service, but it’s not the cheapest either.
Allstat sweetens the deal for prospective customers. Below is a quick breakdown of some of its discounts.
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Automatic Payments: If you want to take the headache out of paying your premium by setting up automatic payments, you’ll automatically receive a 5 percent discount. Not too bad.
New customer discount: If you want to switch from another provider to Allstate, Allstate will give you a 10 percent discount.
No Claims Discount: If you come to Allstat without a claim with your previous provider for five years, you can save up to 25 percent.
Bonding: This is one of the best ways to save with Allstate. As one of the largest insurance companies in the country, it offers all types of insurance. If you bundle your homeowners insurance policy with one or more of Allstate’s other offers, you’ll save big time.
Chris W. Wolfe
Allstate is a major insurance provider with nearly 200 million policies sold to approximately 16 million customers. But what are these sacrifices? Allstate provides different types of coverage.
If you need auto insurance in addition to purchasing a homeowners insurance policy, or want to protect your loved ones, bundling your policy will save you a lot of money. Allstate can help if your identity is stolen; For more information, see my review of Allstate’s identity theft protection.
FYI: The Federal Trade Commission estimates that 9 million identities are stolen each year, causing untold financial damage and mental anguish. Don’t think it can’t happen to you!
Here’s what you need to know about Allstate services and pricing. What is the last call? Should You Buy Homeowners Insurance Through Allstate?
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Allstate is one of the most trusted names in the insurance business for a reason. Its prices are reasonable and its protections are comprehensive. It’s not the most budget-friendly option, but as the old saying goes, you get what you pay for.
Allstate prides itself on customer service, and with five star reviews, its dedication to its customers seems to pay off. Some people have had bad experiences, but that’s to be expected with a company of this size.
Can you find a cheaper policy? Probably. If your budget is a big concern, you may want to check out our State Farm. Will you have the same coverage and access to knowledgeable insurance agents? Maybe not. Simply put, according to its slogan, you’ll be in good hands with Allstate. We definitely recommend this provider.
Allstate isn’t the cheapest option on the market, but it isn’t the most expensive either. By using our online quote tool, you can decide for yourself whether the service is worth the cost.
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If you have the US median income of around $300,000, you should pay between $90 and $130 per month.
Allstate makes filing claims easy. You can contact your agent directly, file a claim online, call 800-669-2214, or use the company’s mobile app.
Allstate’s online reviews show that most of its customers are satisfied, and as the nation’s largest insurer, its success speaks volumes.
As with most policies, some natural catastrophes — including floods and earthquakes — are included in Allstate’s typical policy, as is damage to the property. Additional policies may be purchased for these events.
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Uses high-quality sources to verify the facts in our articles. Read our editorial guidelines to learn more about how we keep our content accurate, reliable and trustworthy. Allstate Insurance Reviews and Complaints: Home Insurance Allstate’s home insurance averages $377.75/month. Allstate is the number two insurer in the country and strives to give back to the community and homeowners with affordable rates that are easily lower than competitors.
D. Gilson is a writer and author of essays, poe
ms, and scholarship that explores the relationship between popular culture, literature, sexuality, and memory. His latest book is Jesus the Freak, with Will Stockton, part of the Bloomsbury 33 1/3 series. Among his other books, I’ll just say this once and tear it down. Her first book, Catch & Release, won the 2012 Robin Becker Award for…
Leslie Kasperovich holds a BA in Social Sciences from the University of Winnipeg. He has worked as a Farmers Insurance CSR for several years, having a thorough understanding of insurance products such as home, life, auto, commercial and working directly with insurance clients to understand their needs. He has since applied this knowledge as a writer for over ten years, mostly in insurance…
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