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Allstate Homeowners Insurance Review: Customizable Coverage and Generous Discounts

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This homeowner insurance is a good fit for: Policyholders who can qualify for discounts or who are interested in fully customizable coverage.

Allstate Homeowners Insurance offers some of the most generous discounts in the industry. With an above-average J.D. Power rating for overall customer satisfaction and large network of agents, many people find Allstate provides the support they need both when purchasing homeowners insurance policies and managing claims.

Full Allstate homeowners insurance review


  • Customizable coverage options
  • Many discounts available
  • High customer satisfaction
  • Large Allstate agent network


  • Premiums are costlier than some competitors

Allstate homeowners insurance at a glance

Top perks

Generous discounts

Allstate offers more opportunities to save on homeowners insurance premiums than many competitors do, including a responsible pay discount for homeowners who have a solid payment history as well as a 10% welcome or loyalty discount. The insurer's multi-policy discount of up to 25% is also much more generous than the maximum savings offered for bundled policies by many other insurers. Customers who buy home insurance, Allstate auto insurance, life insurance, and other insurance policy options from this insurer may have more opportunities to save.

Comprehensive coverage options

Allstate offers standard home insurance coverage options, such as dwelling insurance and personal property coverage. But this insurance provider also provides the opportunity to add on many other types of protection including identity theft protection, water backup coverage, and green reimbursement which allows policyholders to replace damaged or destroyed items with more energy-efficient models.

Strong customer service

Allstate agents are available nationwide, so any homeowner shopping for insurance coverage can get in-person support from an Allstate agent if they need it. The insurance company also received an above-average rating on J.D. Power's 2020 Home Insurance Study, beating out competitors including State Farm and MetLife.

What could be improved


While Allstate offers many opportunities for homeowners to save, the insurer's standard home insurance policy premiums are above what many competitors charge. For homeowners who aren't able to qualify for discounts and who are primarily focused on getting the lowest-price home insurance, Allstate may not be the best insurance product.

Alternatives to consider

When looking for homeowners insurance that costs less: Travelers and USAA both provide lower premiums than Allstate for many homeowners. However, keep in mind that USAA is available only to qualifying military members, veterans, and their families. And Travelers may not provide all the discounts or customizable add-ons that Allstate offers.

Rates / Pricing

Allstate has higher average premiums than many competitors, although it's not the most expensive insurance provider out there. It is possible to reduce the costs by taking advantage of some of the insurer's ample discount options.

Discounts available

Allstate offers many opportunities for policyholders to save on homeowners insurance. Some discount options include the following:

  • Multi-policy discount
  • Responsible pay discount for policyholders who have a history of on-time payments
  • Claims-free discount for homeowners who haven't made a recent claim
  • Welcome/loyalty discount of 10% for signing up and for each year of remaining a customer
  • New home buyer discount for those who purchase newly constructed homes
  • Easy pay plan which provides savings for automatic payments
  • Protective device discount if theft or fire protection devices are installed
  • Early signing discount for getting covered at least 7 days before the expiration of a current policy

Allstate home insurance not only offers discounts other insurers don't, such as the new home discount, but the savings they offer is also more generous than what many competitors provide for the same behaviors. For example, while some insurers offer bundled policy discounts of as low as 10%, Allstate's discount of up to 25% provides much more savings.

Coverage options


Dwelling coverage protects the home's physical structure, including its roof and walls.

Personal property

Personal property covers personal items inside the home, such as electronics and furniture. Essentially, anything a homeowner would bring with them in a move is covered. This protection applies even if something happens to a covered item outside of the home.

Liability protection

When a homeowner injures someone or someone is injured on their property, liability coverage pays for losses resulting from a legal claim such as a lawsuit.

Guest medical protection

If someone is injured on a policyholder's property, guest medical protection pays the bills for treatments necessary for recovery.


This protects against losses when home sharing. It includes theft as well as damage to personal property. Coverage is valued at up to $10,000 per rental host period.

Application process

Allstate allows homeowners to get quotes online and purchase coverage over the internet. This involves providing some basic details about the location of the home, the size and construction, and the value of personal property. There is also a nationwide network of insurance agents who can help homeowners get the coverage they need from this home insurance company by working with an insurance agent.

Customer service and ratings

Allstate has an above-average rating for overall customer satisfaction on the 2020 J.D. Power U.S. Home Insurance Study. While some competitors, including Erie Insurance and The Hartford, ranked higher, Allstate beat out household names including:

  • State Farm
  • MetLife
  • Farmers
  • Nationwide
  • Liberty Mutual

According to the National Association of Insurance Commissioners, the insurer also had an average number of complaints compared with competitors.

This homeowners insurance is the best option if:

Allstate home insurance is a good option for:

  • Homeowners who qualify for some of its many opportunities to save
  • Homeowners who want to customize coverage, including adding protection for home sharing or to replace damaged items with greener alternatives
  • Homeowners who want help from an agent to buy a policy.

But homeowners may want to consider Travelers home insurance if they're looking for a cheaper policy or Erie Insurance if they want a policy with an even higher customer satisfaction rating.

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