Reviews Report
- Industry satisfaction has been under pressure amid premium increases and availability constraints; see the 2020 J.D. Power U.S. Home Insurance Study for the latest trends and top-ranked carriers (reported on a 1,000-point scale).
- Allstate’s core property-casualty companies hold high financial strength ratings — AM Best A+ (Superior), S&P AA-, and Moody’s Aa3; verify current outlooks/dates on Allstate’s credit ratings page and see AM Best’s scale in the Guide to Best’s Credit Ratings.
- Recent NAIC-based analyses indicate Allstate receives more complaints than expected for its size: homeowners above the 1.00 industry baseline (roughly 1.5–2.0) and auto around 2.5x; learn how the index works at the NAIC Consumer Complaint Index and see homeowners findings in Bankrate’s review.
Allstate homeowners insurance is available in many states nationwide, including Washington D.C.; eligibility and new-business availability can vary by location as carriers tighten underwriting in higher-risk areas, a trend noted in the latest J.D. Power U.S. Home Insurance Study. Policies are generally underwritten by Allstate’s own insurance subsidiaries rather than third-party carriers.
Allstate pairs agent support with robust digital tools. The Allstate Mobile app supports policy management, bill pay, claims intake and tracking (including photo estimating via QuickFoto Claim), Drivewise crash detection, and in-app roadside requests (Allstate Mobile; see also Allstate Claims). Financial strength remains a core strength: AM Best A+ (Superior), S&P AA-, Moody’s Aa3 for key operating companies (see Allstate credit ratings).
Our homeowners review focuses on coverage design, satisfaction and claims trends, and discounts relevant to homeowners. Allstate offers standard home coverages with optional endorsements (e.g., water backup/sump overflow, identity theft, scheduled property) and program features like HostAdvantage for home sharing and umbrella liability. Bundling with auto or other lines can yield account-level savings, but availability and pricing vary by state and risk profile.
Allstate’s Average Home Insurance Premiums in the U.S.
Data provided by Coverage.com. Average homeowners premiums vary significantly by state, coverage limits, deductibles, and risk factors (roof age/material, wildfire/wind/hail exposure). Recent J.D. Power research highlights broad premium increases; use state-specific quotes to gauge Allstate pricing where you live.
Allstate Home Insurance Overview
Allstate is one of the country’s largest home insurers with broad but location-dependent availability. Standard homeowners coverages include dwelling (structure), personal property, loss of use, and personal liability, with optional add-ons such as water backup/sump overflow, identity theft, scheduled personal property, and green improvement reimbursement. Flood insurance is typically written via the NFIP and may be purchased through Allstate. HostAdvantage can extend protection for home-sharing, and personal umbrella policies can increase liability limits for added protection.
Financially, Allstate’s core operating companies carry strong ratings — AM Best A+ (Superior), S&P AA-, Moody’s Aa3 — reflecting solid claims-paying ability; check the most current outlooks and action dates on Allstate’s ratings page and see rating-scale definitions in AM Best’s guide. Recent J.D. Power research notes that homeowners satisfaction has trended lower industrywide due to price increases and availability constraints (source).
PROS
- You can manage your policy through the app.
- No third-party underwriters
- Coverage for Home-Sharing
CONS
- NAIC homeowners complaint index above industry average
Allstate Highlights
The Competition
| Company | Reviews.com Score | AM Best Financial Strength | J.D. Power (latest)** | NAIC Complaints |
| Allstate | 4 | A+ | See 2024 home study | Homeowners index above 1.00 (NAIC) |
| State Farm | 3.75 | A++ | See 2024 home study | Varies by state/line (check NAIC) |
| Geico | 2.75 | A++ | See 2024 home study | Varies by partner/line |
| Progressive | 3.75 | A+ | See 2024 home study | Varies by state/line |
| Amica | 4.25 | A+ | Top performer (homeowners) | Fewer complaints than average |
*Information reflects current public sources (J.D. Power, NAIC, AM Best) as of 2025.
**Based on a 1,000-point scale
Allstate vs. State Farm
Both Allstate and State Farm underwrite their own homeowners policies and offer nationwide reach, though eligibility and new-business availability can be constrained in higher-risk regions. Each provides standard HO coverages with optional endorsements and large agent networks plus digital self-service. J.D. Power’s latest Home Insurance Study notes industrywide satisfaction pressure from price increases and underwriting constraints, so compare coverage terms (deductibles, roof coverage) alongside price.
Claims experiences for both are influenced by catastrophe activity; J.D. Power’s Property Claims Satisfaction Study highlights slower cycle times in recent seasons. NAIC complaint indices vary by line and legal entity; Allstate’s homeowners index has been above average in recent third-party rollups, while State Farm’s results vary by state and year. Check your state’s NAIC index before deciding.
Allstate vs. Geico
A key difference is distribution: Geico generally places homeowners policies through partner insurers, so underwriting, rates, and claims handling vary by the issuing partner, whereas Allstate typically underwrites its own homeowners policies. Both offer online quoting and policy customization.
On financial strength, Geico’s companies hold an A++ (Superior) AM Best rating while Allstate’s core operating companies hold A+ (Superior); both are high-grade and support strong claims-paying ability (GEICO ratings; Allstate ratings). For satisfaction and claims, consult J.D. Power’s home study and property claims study for current industry trends.
The Bottom Line
Allstate offers strong financial backing, broad homeowners coverage options, and a polished digital/app experience. However, NAIC-based analyses show above-average complaint levels in homeowners relative to the 1.00 baseline, and J.D. Power reports continued pressure on home insurance satisfaction due to premium increases and availability constraints. Compare quotes and coverage terms, verify state-specific complaint indices via the NAIC, and consider bundling and mitigation discounts to optimize value.
