THE GOOD

Strong financial ratings:

Allstate performs very well in terms of overall financial strength and future financial outlook, with ratings of excellent to superior from top ratings agencies such as Moody's, S&P, and A.M. Best. Allstate's current standing and long-term stability provide peace of mind if you're looking to sign up with a company that will be around for the long haul.

Quality online tools and resources:

To help you understand the technical terms and wade through their coverage options, Allstate offers many educational resources so you can make an informed decision on a home insurance policy. The company's Premium Gauge tool illustrates how home insurance premiums are affected by key variables such as the age of your home, your deductible, and the kinds of protective devices you have installed. Simply change a variable and the tool instantly shows you how premiums change in response. Allstate's tools and resources section also includes great articles and tip sheets on home safety topics to help you maintain your home and prepare for risks.

Coverage for multiple types of dwellings:

Allstate home insurance excels when it comes to the breadth of coverage options. You can find policies for all common types of dwellings, including single-family homes, manufactured homes, condos, and family farms or ranches. You can even get insurance for an older home, a relatively unavailable option among major home insurance providers. Coverage options are also available for both renters and landlords. Though there is some variability in coverage options from state to state, you can easily see your local policy options by using the state locator tool.

Tool to help inventory possessions:

Building an inventory of your personal possessions is a key preventative measure against potential risks, such as a home fire or a weather catastrophe. The Allstate Digital Locker enables you to build a room-by-room online catalog of your possessions. You can even upload photos to create a visual record of your belongings, which is tremendously helpful during the claims process. While all home insurance companies recommend you keep an inventory, few provide such powerful tools to facilitate the process.

THE BAD

Missing live chat:

Easy access to customer support services is an important part of selecting a home insurance company. Though Allstate performs very well on most aspects of customer support, they could offer yet another channel of communication by adding a live chat function on their website. This kind of feature is provided by other home insurance companies, often within an online quote tool.

THE DETAILS

Details
AM Best FSR A+
AM Best ICR aa-
Financial Size Category $2 billion or greater
FSR Outlook/Implication Stable
ICR Outlook/Implication Stable
Moodys Financial Strength Aa3
Standard and Poors FSR AA-

FEATURES

Title
  • Condominium Insurance (HO6) The insurance provider offers HO6 coverage for condos.

  • Farm/Ranch You can buy insurance to protect your farm or ranch.

  • Mobile Home You can buy insurance to protect your mobile home.

  • Older Homes (HO8) The insurance provider offers HO8 coverage for older homes.

  • Premier Policy (HO5) The insurance providers offers HO5 coverage that includes open perils coverage on personal property.

  • Rental Property Insurance You can buy insurance to protect your rental property.

  • Renters (HO4) The insurance provider offers renters insurance.

  • Special Form (HO3) The insurance provider offers HO3, open perils coverage.

  • Age of Construction Discount Discounts based on the age of your home are available.

  • Age of Insured Discount Discounts based on the homeowner's age are available.

  • Claim-Free Discount You can receive a discount for remaining claim-free for a certain period of time.

  • Multiple-Policy Discount You can receive a discount for having multiple insurance policies with the same company.

  • Newly Purchased Home You can receive a discount if you recently purchased your home.

  • New/Renovated Home You can receive a discount if your home is new or recently renovated.

  • Protective Device Discount You can receive a discount if you have smoke detectors, fire alarms, burglar alarms, or other protective devices.

  • Aircraft Damage to your home caused by an aircraft is covered.

  • Explosion Damage to your home caused by an explosion is covered.

  • Fire Damage to your home caused by fire is covered.

  • Ice/Snow/Sleet Damage to your home caused by ice, snow, or sleet is covered.

  • Lightning Damage to your home caused by lightning is covered.

  • Plumbing Damage to your home caused by a frozen, burst, or damaged water pipe is covered.

  • Riot/Civil Commotion Damage to your home caused by a riot or civil commotion is covered.

  • Smoke Damage to your home caused by smoke is covered.

  • Theft The home insurance company covers any loss or damage to your home due to theft is covered.

  • Tornado Damage to your home caused by a tornado is covered.

  • Vandalism Damage to your home caused by vandalism is covered.

  • Water Damage to your home caused by water is covered.

  • Wildfire Damage to your home caused by a wildfire is covered.

  • Wind Damage to your home caused by wind is covered.

  • Dwelling Coverage for the cost of rebuilding/repairing your home if it is damaged by a covered peril is available.

  • Loss of Use If your home is damaged or destroyed, the insurance company will cover living expenses while repairs are made.

  • Medical Payments Coverage for medical payments is available.

  • Nationwide Availability The insurance company is available in at least 48 states.

  • Other Structures Coverage for detached garages, sheds, or other structures on your property is available.

  • Personal Liability Coverage for lawsuits associated with bodily injury or property damage that you may be responsible for is available.

  • Personal Property The insurance company covers the cost of replacing your possessions if they are destroyed by a covered peril.

  • Computer Coverage You can add computer coverage to your insurance as an additional policy or as an endorsement.

  • Earthquake Insurance You can add earthquake coverage to your insurance as an additional policy or as an endorsement.

  • Flood Insurance You can add flood coverage to your insurance as an additional policy or as an endorsement.

  • Identity Fraud Expenses You can add identity fraud expense coverage to your insurance as an additional policy or as an endorsement.

  • Personal Umbrella Policy You can add personal umbrella coverage to your insurance as an additional policy or as an endorsement.

  • Scheduled Personal Property You can add scheduled personal property coverage to your insurance as an additional policy or as an endorsement.

  • Water Backup and Sump Overflow You can add water backup or sump overflow coverage to your insurance as an additional policy or as an endorsement.

  • Landslide Insurance You can add landslide coverage to your insurance as an additional policy or as an endorsement.

  • 24/7 Claims Center You can contact a claims center 24/7.

  • Agent Claim Filing You can contact an agent to file a claim.

  • Deductibles Flexible deductibles are available.

  • Mobile Claim Filing You can file a claim through a mobile app.

  • Online Claim Filing You can file a claim online.

  • Online Photo Inventory You can upload images of your personal property to an online location to document your property and help facilitate the claims process.

  • Photo Upload You can upload photos of damaged property to assist with the claims process.

  • Telephone Claim Filing You can file a claim via telephone.

  • Locate an Agent A tool is available online to help you locate an agent.

  • Manage Your Policy You can manage your insurance policy online.

  • Online Policy Purchase You can purchase a policy entirely online.

  • Online Rate Quotes You can get a quote on the company's website.

  • Automatic Payments Payments can be scheduled automatically.

  • Credit Card Payments You can make a payment with your credit card.

  • Flexible Payment Options Flexible payment terms over different periods of time are offered.

  • Mail Payments Payments can be mailed.

  • Online Payments Payments can be made online.

  • Pay by Bank Account You can make a payment directly from your bank account.

  • Phone Payments Payments can be made over the phone.

  • Prepayment Policies can be prepaid in full, often at a discount.

  • Email/Ticket An email or ticket system dedicated to support is available.

  • Phone You can contact the company by phone to get support.

  • Social Media You can contact the home insurance company with questions through social media websites.

  • Live Chat You can contact the company through live chat.

  • A.M. Best Excellent or Better The company has an A.M. Best rating of "A" or better.

  • ICR Rating Stable The company has an A.M. Best Credit Rating rating of "Stable" or better.

  • Moody Rated Very Strong The company has a Moody's rating of "Aa3" or better.

  • S&P Rated Very Strong The company has an S&P FSR rating of "AA-" or better.

  • Blog The company provides a blog with relevant insurance information.

  • FAQs The company provides a list of answers to frequently asked questions.

  • Glossary The company provides a glossary of common industry terms.

  • Knowledge Base The company provides a knowledge base of detailed help articles.

  • Video Tutorials The company provides video tutorials.

  • Forum The company provides an interactive forum where users can post questions and answers.

  • Android An Android app that allows you to access your home insurance policy is available.

  • Claim Details You can update your home insurance claim details through a mobile app.

  • Connect with an Agent You can connect directly with an agent through a mobile app.

  • Favorable Mobile App Store Reviews The company has a combined 3.5 stars or greater for their iPhone and Android apps.

  • File a Claim You can initiate or file a new claim through a mobile app.

  • iPhone An iPhone app that allows you to access your home insurance policy is available.

  • Mobile Website A mobile-specific website is available.

  • Pay Premium You can pay your premium through your mobile app.

  • Edit Policy You can edit or change your policy details with a mobile app.

  • Tablet A tablet-based app is available.

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