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Allstate is the second-largest home insurance provider in the country, offering affordable, comprehensive and flexible home insurance coverage in all 50 states and the District of Columbia. Allstate also has some of the highest financial ratings in the industry, holding down an A+ rating with A.M. Best, the leading insurance company credit rating agency.
When it comes to discounts, Allstate doesn’t disappoint either, advertising as many as 11 rate-saving opportunities on their website. From bundling your home and auto insurance to taking advantage of their generous “claims free” discount, there’s no shortage of ways to save on premiums when you insure your home with Allstate.
Where this company really shines is customer experience, as you’re met with several tools and educational resources on Allstate’s website. From finding out the main factors behind your insurance rates to using AI tools that provide personalized coverage recommendations, your bases are covered with Allstate.
Like most major insurance providers, where Allstate struggles slightly is customer service ratings, ostensibly because of the lack of personalized customer service. The insurance giant received an “about average” rating in J.D. Power’s 2018 Home Insurance Study, and they ranked near the bottom of the pack in Consumer Reports latest customer satisfaction study, scoring an 82 out of 100.
Market share: 8.37%
A.M. Best rating: A+
Better Business Bureau rating: A+
Consumer Reports: 82/100
J.D. Power: 3/5
Allstate homeowners insurance is available in all 50 states and the District of Columbia.
When it comes to cost, Allstate is one of the more affordable insurance options in the industry.
Below is a sample quote for a 2,000-square-foot, single-family home in suburban Chicago. For comparison’s sake, the average home insurance premium in the U.S. is around $1,100 a year.
|Primary coverages||Policy limits|
|Medical payments for guests||$1,000|
Here’s how Allstate stacks up against the competition in terms of the most common coverage endorsement offerings:
Allstate’s application process is about as easy as it gets and can be done online in its entirety. You simply plug in your ZIP code, personal information, and home address and Allstate will then autofill the bulk of questions related to your home, such as its age, number of floors, and foundation type. You might have to make a few changes and input certain information yourself (like the distance from your home to a fire hydrant) but otherwise it’s a fairly quick process.
Allstate then keeps it simple by asking you if you’d like “less”, “balanced”, or “more” coverage for your home. If you’re looking to keep costs down and don’t need additional coverages, you can opt for the “less” option. The “balanced” policy is slightly more expensive but includes more liability coverage and endorsements like water backup coverage and identity theft restoration coverage. If you opt for “more”, you’re getting just about every endorsement Allstate has to offer, but for an extra couple hundred dollars a year.
Allstate’s website provides a transparent and complete picture of how their claims process works. They list a few different options for filing claims: by contacting your agent directly, calling Allstate’s claims division, logging into the Allstate website and filing a claim, or by using the Allstate mobile app.
Allstate offers several types of property insurance. If you’re looking to buy home insurance and you have other coverage needs, consider bundling insurances.
Headquarters: Allstate Corporation, 2775 Sanders Road, Northbrook, IL 60062
Policygenius’ editorial content is not written by an insurance agent. It’s intended for informational purposes and should not be considered legal or financial advice. The review on this page is only for the carrier’s homeowners insurance products. Not all carriers are currently available through Policygenius. Speak to one of our licensed experts for more information on carrier availability.
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Yes, we have to include some legalese down here. Read it larger on our legal page. Policygenius Inc. (“Policygenius”) is a licensed independent insurance broker. Policygenius does not underwrite any insurance policy described on this website. The information provided on this site has been developed by Policygenius for general informational and educational purposes. We do our best efforts to ensure that this information is up-to-date and accurate. Any insurance policy premium quotes or ranges displayed are non-binding. The final insurance policy premium for any policy is determined by the underwriting insurance company following application. Savings are estimated by comparing the highest and lowest price for a shopper in a given health class. For example: for a 30-year old non-smoker male in South Carolina with excellent health and a preferred plus health class, comparing quotes for a $500,000, 20-year term life policy, the price difference between the lowest and highest quotes is 60%. For that same shopper in New York, the price difference is 40%. Rates are subject to change and are valid as of 2/17/17.
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