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Allstate Review

Reviews 353
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Reviews 353
Bestmoney Staff
Mar. 22, 2023
3 min read
BestMoney Staff
Allstate Summary
Allstate Corporation is the second-largest homeowners insurance provider in the United States. It offers a standard policy covering home, personal belongings, loss of use, and liability. It also offers an impressive range of paid add-ons, including coverage for home-sharing, sports equipment, musical instruments, and electronic data recovery.


  • Range of voluntary add-ons in home insurance
  • First insurer to provide coverage for home-sharing
  • High customer satisfaction


  • Not available in all states
  • Lack of information about locations

Allstate at a glance

Editorial score

Variety of coverage options

Full coverage for natural disasters, personal property damage and loss, theft, and structural damage

Customizable rates and services

Customizable plans and rates

Online experience and customer support

Basic site with evening and weekend customer service available

Quote time

Within an hour

Direct Insurer?

Yes, direct insurer

Suitable For?

Allstate caters to all types of homeowners, but it’s perfect for anyone who regularly rents their home out on Airbnb or any other home-sharing platform. Allstate is the first major insurer in the United States to offer an add-on for home-sharing. Allstate HostAdvantage Home-Sharing Insurance offers additional protection for your belongings while you rent out your home. It covers theft and damage for up to $10,000 per rental host period. 

What Coverage Includes

Homeowners insurance from Allstate begins with a basic, customizable policy. The policy provides coverage for all 16 “named perils,” and policy holders can raise or lower their coverage limits in accordance with their own needs.

An Allstate homeowners insurance policy includes:

  • Coverage for home and other structures on the property.
  • Coverage for personal belongings, including furniture, clothing, and appliances.
  • Personal liability coverage (in case someone from outside your household suffers injury or damage to personal property while visiting).
  • Loss of use, which covers expenses when your home is being rebuilt or repaired following a covered incident.

Optional Add-Ons

In comparison to other major insurers, Allstate has the widest selection of voluntary add-ons. Allstate has thought of virtually everything when it comes to optional add-ons. Policy holders can add and remove as they wish.

Here’s the breakdown:

  • Home-sharing: As mentioned above, this provides additional coverage for personal possessions when renting out your home to others.
  • Identity theft restoration: Covers the cost of legal fees, lost wages, and other related costs if your ID is stolen.
  • Green improvement reimbursement: Covers the additional cost of replacing damaged or destroyed items with greener alternatives.
  • Water backup: Covers damage caused by drain or sump pump.
  • Yard and garden: Increases the limits for garden items like trees, landscaping, and lawn mowers.
  • Extra coverage: For valuable appraised items like expensive jewelry or antiques.
  • Electronic data recovery: Covers recovery of lost computer data like photos or videos.
  • Business property: Increases the limits for home office equipment and inventory.
  • Musical instruments: Increases coverage for musical instruments like guitars or violins.
  • Sports equipment: Increases coverage for expensive sports gear like golf clubs and ski equipment.


Discount opportunities include:

  • Up to 25% off for bundling home and auto
  • 5% off for setting up automatic payments
  • Up to 20% off for switching to Allstate from another insurer without a recent home insurance claim
  • Installing a theft or fire protection device
  • Signing up at least seven days before your old policy expires
  • Welcome and loyalty discount
  • Home buyer discount
  • 55 and retired discount
  • Smoke-free home
  • Home with storm shutters
  • Home with hail-resistant roof

Application Process

Allstate accepts online and phone applications. We tested the online form a few times using different addresses and on each occasion were directed to speak to an agent for reasons such as “proximity to the coast”. The instructions included a home quote reference number and contact details for an agent in the local area.

The useful thing about Allstate is you can apply for home + auto, renters, or term life in the one application form. The irony about Allstate is it doesn’t offer home insurance in all states. For example, we tried to get a quote in California and were told that home insurance wasn’t available in that state. Allstate’s website lacks basic information about where it does and doesn’t offer home insurance. However, it only takes a second to enter your zip code and find out if you can continue with an application.

How Safe is It?

Allstate is the second-largest provider of homeowners insurance in the United States, with 8.4% market share in terms of direct premiums written. It has an A+ rating from A.M. Best, testifying to its “superior” financial stability. Allstate was founded in 1931 as part of Sears, Roebuck, and Co. and was spun off in 1993. It is headquartered in Chicago and traded publicly on the New York Stock Exchange.

Claims & Customer Support

According to J.D. Power’s 2018 US Home Insurance Study on customer satisfaction, Allstate ranks higher than the national average. Allstate was given a score of 822 out of 1,000, compared to an industry average of 818 and beating 3 of its 4 biggest rivals in homeowners insurance.

Allstate offers 24/7 online claims support. Policy holders have 4 options when it comes to filing a claim: contact your agent, call Allstate, use the mobile app, or log into your online account. 


In a highly competitive homeowners insurance market, Allstate has found a way to stand out from its competitors: voluntary add-ons. All insurers offer add-ons, but Allstate has made an art of it, with add-ons for everything from home-sharing coverage to eco-friendly replacements to coverage for garden items. If you have special needs for your home, it would be well worth your time to speak to Allstate about homeowners insurance.

BestMoney Staff
Written by
Bestmoney Staff
Our editorial staff consists of writers who are knowledgeable about financial services. We specialize in simplifying the process of choosing the right provider for your needs.
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Trustpilot reviews
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Bad • Reviews 353
We upload 100 to 400 Trustpilot reviews to our website daily, displaying them by default from "best" to "worst". You have the option to adjust the sorting criteria. If you wish to see all reviews, you can visit Trustpilot's website here.
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Rajes Kumar
1 month ago
Customer service number…
Customer service number ((9382146348))Customer service number ((9382146348))Customer service number ((9382146348))Customer service number ((9382146348))
Jamie Marchiano
2 months ago
Ed Wizmirski agency is who you want to…
Ed Wizmirski agency is who you want to go with! My family has used Ed for our insurance needs for many years. Any insurance policy is only as good as the agent backing it up. I can’t say enough wonderful things about Ed from beginning to end. At the end of the day, you want to do business with a trust worthy and knowledgeable source and Ed is it!!!
Meher Pakki
2 months ago
I was delighted to get the assistance…
I was delighted to get the assistance for my car door unlock on 1st January, 2024. Within 20 mts of my call for help, Mr Sam, Technician from Allside Roadside Assistance artived my place and unlocked my car door. He is very helpful and dedicated towards his duties.
Beth Pacheco
3 months ago
AllState Roadside - Always Ride in the Hands
I had just the stand-alone AllState Roadside Assistance, without the insurance policy. I took out the membership at 3am when I was stuck, engine totally dead, in dangerous and rapidly changing situation. Feeling like the last brisket on 4th of July weekend admidst hordes of ravenous shoppers, I scrolled my phone frantically, trying to invent a friend out of my ass. I found one. I signed up on the phone, there was NO preclusion about immediate service. Before 4am, big tall headlights suddenly lit up the parking lot, and all the wolves around the edges. I rode out in the hands, flying the one finger salute. A number of other times I called for service, a LOT of service calls, but they came each time, each covered service was cheerfully provided; they had reliable arrival within 1-2 hours, at most, and never stood me up or did the "actually it will be two more hours," after-you-waited-your-hour crap. They said "by 9pm," and pulled up at 8:53. They were pros who did the job, not super (over) friendly, just qualified mechanics or towguys or whichever I was needing with professional courtesy. You never had to flirt with a guy, to make sure he towed you out. All around, the best roadside assistance company I ever had, would recommend without reservation to ANYONE. Someday, it will be you.
Tami M
5 months ago
All insurance is expensive - Allstate has great service!
People usually only leave reviews to complain, so I feel that it’s my duty to leave a great review for Allstate, Service King / Crash Champions on 380, and Enterprise rental car also on 380! My young adult daughter was rear-ended, and the at fault party’s no-name tiny insurance company strung us along and eventually denied the claim. We needed to get her car fixed and ended up filing a claim through our own Allstate uninsured motorist policy. From the day we called Allstate, the ball started rolling quickly! The same day they assigned the shop of my choice (Service King / Crash Champions) and had Enterprise call me to schedule a rental car. It took about a month to get parts and complete the repair, but Ashley at Service King texted us updates and was the one who answered the phone anytime I called. It was so nice to be able to talk to one person throughout the process. They also dealt directly with Allstate. Enterprise rented us a nice car, and we were able to leave it at Service King when we picked up our car. I can’t say enough good things about how these three companies made a frustrating process as simple and easy as possible. Special shout out to Ashley at Service King / Crash Champions for always keeping us informed of the status! Highly recommend Allstate, Enterprise, and Service King / Crash Champions!