Family liability protection: If someone sues you after being injured on your property, family liability protection can help you cover legal costs.Īs with other insurance companies, Allstate’s homeowner policies don’t include coverage for floods, earthquakes or water backup.Personal property: Personal property protection covers the property inside the home, such as furniture, electronics and other valuables.Other structures: The other structures portion of the policy protects structures that are separate from your home, such as a detached garage or storage shed.Dwelling: Allstate’s dwelling coverage will pay for damages to your home and attached structures surrounding it, such as your garage or deck.In fact, its issuing companies received two to four times more complaints than expected.Īllstate homeowners insurance covers the following: However, those riders aren’t available in all states you have to contact an agent to see what coverages are available in your area.Īllstate has received a higher number of complaints than is typical for a company of its size. For example, when we requested a quote for a home in Florida, we were redirected to Security First Managers.Įxtra coverage not available in all statesĪllstate, like most insurers, offers additional coverage riders for valuables like musical instruments, business property and identity theft restoration. Depending on where you live, Allstate may connect you to a third-party insurer. While Allstate is available in all states, it doesn’t serve every zip code. With Allstate, you can add flood protection to your policy. If you live in an area prone to flooding, this can leave you at risk. Homeowners insurance doesn’t usually include flood protection, and not all insurers offer it as a rider. Homeowners insurance policies usually don’t cover home sharing, but Allstate’s HostAdvantage policy can be added to your homeowners insurance coverage to protect you while hosting renters. With the rise in popularity of services like Airbnb and VRBO, more and more homeowners are renting out their homes to vacationers. Discounts include a 20% claims-free discount, an automatic payment discount, protective device discount and more. Higher-than-average number of complaintsĪllstate has a lengthy list of potential discounts that can significantly reduce your premiums.Extra coverage not available in all states.Policies may be issued by third parties.
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