Updated: October 21, 2025
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Average Annual Premium
Number of Endorsements
Number of Discounts
With an affordability score of 4.75 out of 5, Allstate offers affordable average rates of $2,381 per year for $250,000 in dwelling coverage.
Allstate ranks 7th nationally for customer experience with a solid score of 3.88 out of 5.
Optional coverages like flood insurance and HostAdvantage® provide added protection for unique homeowner needs.
Allstate ranked 9th nationally out of 14 providers in MoneyGeek’s analysis of the best homeowners insurance companies, balancing strong affordability, solid customer service and comprehensive coverage options.
The table below highlights Allstate’s MoneyGeek score for each category out of 5 and its national rank. These scores are based on a sample homeowner profile and may vary depending on your location, coverage limits and other personal factors.
| Overall | 4.33 | 9 |
| Affordability | 4.75 | 8 |
| Customer Experience | 3.88 | 8 |
| Coverage | 3.69 | 8 |
*Scores are based on a 2,500-square-foot home, $250,000 dwelling coverage and a $1,000 deductible.
Allstate’s average homeowners insurance rate for a policy with $250,000 in dwelling coverage is $2,381 per year. Rates rise with higher coverage limits — for instance, a policy with $1 million in dwelling coverage averages about $6,974 annually.
Home insurance costs vary based on factors like your home’s location, age, construction type and deductible amount; the table below shows Allstate’s average costs by dwelling coverage, and you can toggle it to compare options when finding cheap homeowners insurance that fits your needs.
| $100K Dwelling / $50K Personal Property / $100K Liability | $135 | $1,623 |
| $250K Dwelling / $125K Personal Property / $200K Liability | $198 | $2,381 |
| $500K Dwelling / $250K Personal Property / $300K Liability | $305 | $3,656 |
| $750K Dwelling / $375K Personal Property / $500K Liability | $410 | $4,919 |
| $1MM Dwelling / $500K Personal Property / $1MM Liability | $530 | $6,359 |
Home insurance rates with Allstate can vary widely depending on where you live, as factors like weather risks, rebuilding costs and state regulations all affect premiums. For example, homeowners in Alaska pay about $1,881 per year, while those in Missouri pay around $3,539, making it more expensive in comparison.
The table below shows a map of where Allstate’s homeowners insurance is available for a policy with $250,000 in dwelling coverage and a $1,000 deductible.
Note: Data above is for states in which MoneyGeek was able to collect data. It is not reflective of the company's availability in the state.
Allstate offers nine homeowners insurance discounts, though availability can vary by state and policy type. For instance, homeowners can save up to 25% through a multi-policy discount when bundling home and auto insurance. The table below outlines each available discount and how you can qualify.
Multi-Policy (Bundle) Discount | Save up to 25% when you bundle your home and auto policies with Allstate. |
Responsible Payer Discount | Earn savings for maintaining a strong payment history, such as paying on time or in full. |
Claim-Free Discount | Receive a discount when switching to Allstate without a recent home insurance claim. |
Welcome & Loyalty Discount | Enjoy ongoing savings for joining Allstate and remaining a loyal customer year after year. |
Home Buyer Discount | Get a discount if you recently bought a home or own a newly constructed property. |
Easy Pay Plan® Discount | Save when you enroll in automatic payments for your home insurance premium. |
Protective Device Discount | Qualify for savings if your home has fire alarms, theft alarms or other protective systems installed. |
Early Signing Discount | Earn a lower rate when you sign up for a new Allstate policy at least seven days before your current one expires. |
Windstorm Mitigation Discount | Available to Florida homeowners whose homes have verified wind-resistant features that reduce storm damage risk. |
Allstate’s homeowners insurance includes the six standard coverages that protect your home, belongings and liability against common risks. The list below breaks down what home insurance covers with Allstate, from dwelling protection to additional living expenses and more.
Dwelling coverage helps pay to repair or rebuild your home if it’s damaged by covered events like fire, wind or vandalism. It protects the main structure of your home, including attached features such as a garage or deck.
Other structures coverage protects detached structures on your property, such as garages, fences or sheds. It covers repair or replacement costs if these are damaged by covered perils.
Personal property coverage reimburses you for belongings like furniture, electronics or clothing if they’re stolen or damaged. It can also cover items outside your home, such as possessions lost during travel.
Personal liability coverage pays for legal fees or damages if you’re found responsible for injuries or property damage to others. It can also help cover settlement costs or court judgments.
Medical payments coverage helps pay for minor medical expenses if a guest is injured on your property, regardless of who’s at fault. It provides quick, limited protection for situations that don’t require a liability claim.
Loss of use coverage helps cover additional living expenses, such as hotel stays or meals, if your home becomes uninhabitable after a covered event. It ensures you can maintain your standard of living while repairs are underway.
Allstate offers nine optional coverages, also known as endorsements, that let homeowners tailor their protection beyond the standard policy. An endorsement is an add-on you can purchase to expand your coverage for specific risks or valuable belongings not fully covered under a basic plan. Availability may vary by state, but the table below outlines each coverage option and what it provides.
Identity Theft Restoration | Covers expenses such as legal fees and lost wages if your identity is stolen. |
Water Backup | Pays for repairs and cleanup if water damage results from a backed-up drain or sump pump overflow. |
Scheduled Personal Property | Adds extra protection for valuable appraised items like jewelry, antiques or collectibles. |
Business Property | Expands coverage limits for business-related items kept in your home, such as equipment or inventory. |
Sports Equipment | Increases coverage for costly sports gear like golf clubs, skis and other athletic equipment. |
Green Improvement Reimbursement | Helps cover the additional cost of replacing damaged items with energy-efficient upgrades. |
Yard and Garden | Raises coverage limits for outdoor property such as landscaping, trees and riding lawn mowers. |
Electronic Data Recovery | Covers the cost to restore lost personal computer data, including photos, videos and important files. |
Musical Instruments | Provides added coverage for instruments like guitars, violins and other high-value musical equipment. |
Standard homeowners insurance from Allstate doesn’t cover every type of loss, as certain events and damages require separate policies or endorsements. Common exclusions include natural disasters like floods or earthquakes, intentional damage and issues caused by lack of maintenance.
Events like floods and earthquakes aren’t included in a standard policy. Homeowners can purchase separate flood insurance through the National Flood Insurance Program or earthquake coverage where available.
Losses caused intentionally or due to neglect, such as vandalism by the homeowner or failure to maintain the property, aren’t covered. Insurance only protects against sudden and accidental damage.
Gradual deterioration, mold, rot or infestations from termites and rodents are excluded. These are considered maintenance issues rather than unexpected covered events.
Homeowners can buy home insurance from Allstate online or through a local agent who can help personalize coverage based on your home and budget.
Calculate your home’s replacement cost and the value of your belongings to choose the proper dwelling and personal property limits. This ensures you’re not underinsured if a major loss occurs.
Visit Allstate’s website or contact an agent to request a personalized home insurance quote. You’ll provide basic details about your home, location and desired coverage limits.
Review available coverage levels and optional endorsements to find the best fit for your needs. Consider add-ons like water backup or identity theft restoration if you want extra protection.
Ask about available discounts such as multi-policy, protective device or claim-free rewards. Bundling auto and home insurance can yield the largest savings.
Before purchasing, confirm your coverage details, deductible and payment plan. Once you finalize the policy, Allstate will issue your proof of insurance and coverage begins on the start date you select.
Filing a home insurance claim with Allstate is simple and can be done online, through the mobile app or by contacting an agent directly. The process helps you report damage, document your losses and track your claim from start to finish.
Notify Allstate as soon as possible after a loss using the website, mobile app or by calling your local agent. Providing quick notice ensures your claim can be processed efficiently.
Take clear photos or videos of any property damage and make a list of affected items. This evidence will support your claim and help Allstate accurately assess repair or replacement costs.
Allstate may send a claims adjuster to inspect the damage in person or virtually. The adjuster will verify your claim details and estimate the cost of repairs or replacements.
Once approved, Allstate will issue payment based on your policy terms and deductible. You can then begin repairs with your chosen contractor or an Allstate-approved partner.
Allstate earns a MoneyGeek score of 4.33 out of 5, reflecting strong overall performance driven by affordability, customer experience and coverage options. On average, Allstate costs an average of $2,381 per year for $250,000 in dwelling coverage.
Homeowners can also add protection with options like flood coverage (through the NFIP) and HostAdvantage® for home-sharing. Savings are available through discounts such as multi-policy (up to 25%) and protective device credits.
Below are answers to frequently asked questions about Allstate home insurance:
Allstate’s homeowners insurance costs about $2,381 per year for a policy with $250,000 in dwelling coverage. Your rate may be higher or lower depending on factors such as location, home age, construction type and deductible.
Yes. Allstate earned a MoneyGeek score of 4.33 out of 5, ranking 9th nationally among 14 providers. It performs best in affordability and offers a wide range of discounts and optional coverages for added flexibility.
A standard Allstate policy includes six key coverages: dwelling, other structures, personal property, liability, medical payments and loss of use. These protect your home, belongings and finances against common risks like fire, theft and certain weather events.
Allstate’s home insurance doesn’t cover floods, earthquakes, intentional damage or normal wear and tear. Separate policies or endorsements may be needed for these exclusions, such as flood insurance through the National Flood Insurance Program.
Allstate offers nine discounts, including multi-policy, claim-free, early signing and protective device discounts. Availability varies by state, but bundling home and auto insurance can save homeowners up to 25%.
You can buy a policy directly from Allstate’s website or through a licensed local agent. The process includes getting a quote, selecting coverage, applying eligible discounts and finalizing your policy.
Claims can be filed online, through the Allstate mobile app or by contacting your agent. After reporting the loss, you’ll document the damage, schedule an inspection and review the settlement before starting repairs.
To evaluate Allstate’s homeowners insurance, MoneyGeek used a consistent base profile to determine rates and measure affordability compared to competitors:
Allstate’s MoneyGeek score was calculated using the following criteria:
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
