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Allstate Homeowners Insurance Review: Customizable Coverage and Generous Discounts

Review Updated
Christy Bieber
By: Christy Bieber

Our Insurance Expert

Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures our experts’ opinions aren’t influenced by compensation. Terms may apply to offers listed on this page.

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


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Best for discounts and fully customizable coverageAllstate
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Allstate homeowners insurance offers some of the most generous discounts in the industry. With flexible policies and a large network of agents, many people find Allstate provides the support they need both when purchasing homeowners insurance and managing claims.

Full Allstate homeowners insurance review


  • Customizable coverage options
  • Many discounts available
  • 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 improvement reimbursement, which allows policyholders to replace damaged or destroyed items with more energy-efficient models.

Multiple support methods

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. Those who prefer it can still file claims online or over the phone as well.

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 costs by taking advantage of some of the insurer's ample discount options. Here's a closer look at the company's average annual premiums for some common scenarios:

Scenario Average Annual Premium
Overall $1,863
New construction $930
50-year-old home $1,851
Homeowner with a previous claim $2,312
Data source: The Ascent's analysis of standardized personas.

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
  • 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 seven 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 it offers 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.

Customer service and ratings

Allstate fell just below the national average rating for overall customer satisfaction on the 2022 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 Farmers and Liberty Mutual.

According to the National Association of Insurance Commissioners, the insurer had an above-average number of complaints compared to competitors of a similar size.

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 USAA if they are a current member of the military, a veteran, or qualifying family member.

Our Insurance Expert