*Scores are based on a 2,500-square-foot home, a $250,000 dwelling protection coverage and a $1,000 deductible. These results are based on a standard homeowner profile. Your individual experience differs depending on your location, home value and coverage needs.
Allstate Home Insurance Review
Updated: April 21, 2026
Advertising & Editorial Disclosure
Allstate
MoneyGeek Rating
4.3/ 5
4.7/5Affordability
3.9/5Customer Experience
3.7/5Coverage Points
Average Annual Premium
$2,381Number of Endorsements
9Number of Discounts
9
How Much Does Allstate’s Homeowners Insurance Cost?
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.
Data filtered by:
$1,000
| $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 |
Allstate Homeowners Insurance Cost by State
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 Homeowners Insurance Discounts
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. |
What Does Allstate Homeowners Insurance Cover?
Allstate includes six standard coverages in every homeowners policy. These protect your home, belongings and liability. Learn what each coverage covers including dwelling protection and additional living expenses.
Optional Home Insurance Coverages from Allstate
Allstate offers nine optional endorsements beyond the standard policy. These add-ons protect specific risks and valuable items your basic plan doesn't cover. State availability varies. Here's what each endorsement provides:
Identity Theft Restoration | Reimburses legal fees and lost wages if your identity is stolen |
Water Backup | Covers water damage repairs and cleanup from backed-up drains or sump pump failures |
Scheduled Personal Property | Insures appraised valuables like jewelry, antiques and collectibles at full replacement cost |
Business Property | Extends coverage for business equipment and inventory kept in your home beyond standard limits |
Sports Equipment | Protects expensive athletic gear including golf clubs, skis and similar items |
Green Improvement Reimbursement | Reimburses the extra cost of replacing damaged items with energy-efficient alternatives |
Yard and Garden | Covers landscaping, trees and riding lawn mowers on your property |
Electronic Data Recovery | Restores lost computer data including photos, videos and important documents |
Musical Instruments | Covers guitars, violins and other musical instruments at their actual value |
What Does Allstate’s Home Insurance Not Cover?
Allstate's standard policy excludes floods, earthquakes, intentional damage and maintenance-related losses. These require separate policies or paid endorsements.
Earthquakes and Floods
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.
Intentional or Negligent Damage
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.
Wear and Tear or Pest Damage
Gradual deterioration, mold, rot or infestations from termites and rodents are excluded. These are considered maintenance issues rather than unexpected covered events.
How to Buy Allstate’s Homeowners Insurance
You can buy coverage online or through a local agent to add exactly what you need for your home and budget.
- 1Determine How Much Coverage You Need
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.
- 2Get a Quote Online or Through an Agent
Contact Allstate online or by phone. Share your home details, location and desired limits. Quotes take 15 to 20 minutes.
- 3Compare Policy Options
Review coverage levels and available endorsements. Water backup and identity theft protection are popular add-ons.
- 4Apply for Discounts
Ask about multi-policy bundling (biggest savings), protective devices and claim-free discounts. Bundling auto and home insurance cuts costs .
- 5Review and Finalize Your Policy
Review all details, deductible and payment schedule. Allstate sends proof of insurance and your coverage starts on your chosen date.
Comparing Allstate vs. Other Home Insurance Providers
Allstate's monthly premium of $245 is nearly half what Travelers charges, and its overall MoneyGeek score of 4.20 puts it much closer to top-ranked Auto-Owners than to Travelers. Auto-Owners does cost less per month, but Allstate's wider availability and brand recognition make it a strong middle-ground option for drivers who want reliable coverage without Travelers' price tag.
| Average Monthly Premium | $245 | $453 | $198 |
| Average Annual Premium | $2,942 | $5,435 | $2,372 |
| Overall MG Score | 4.20 | 3.65 | 4.71 |
| Affordability Score | 4.52 | 4.11 | 4.88 |
| Customer Experience Score | 3.88 | 3.81 | 4.82 |
| Coverage Score | 3.69 | 1.67 | 3.87 |
COMPARE ALLSTATE HOME INSURANCE TO OTHER PROVIDERS
Allstate Home Insurance Review: Bottom Line
Allstate earns a MoneyGeek score of 4.33 out of 5, reflecting strong overall performance driven by affordability, customer experience and coverage options. 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.
Allstate Home Insurance: FAQ
Below are answers to frequently asked questions about Allstate home insurance:
How much does Allstate homeowners insurance cost?
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.
Is Allstate a good company for homeowners insurance?
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.
What does Allstate homeowners insurance cover?
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.
What discounts does Allstate offer for homeowners insurance?
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%.
How do I file a home insurance claim with Allstate?
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.
Allstate Home Insurance Rates: Our Methodology
To evaluate Allstate’s homeowners insurance, MoneyGeek used a consistent base profile to determine rates and measure affordability compared to competitors:
- Middle-aged homeowner (ages 41 to 60)
- 2,500-square-foot home
- $250,000 in dwelling coverage
- $125,000 in personal property coverage
- $200,000 in liability coverage
- Good credit
- Claim-free for the past five or more years
Allstate’s MoneyGeek score was calculated using the following criteria:
- Affordability (55%) – Premiums were analyzed using the base profile to compare Allstate’s costs to both the national average and other major insurers.
- Customer Experience (35%) – Ratings were based on consumer feedback, J.D. Power customer satisfaction data and AM Best financial strength evaluations.
- Coverage (10%) – This considered Allstate’s available add-on coverages and how they compared to the industry average in variety and value.
Home Insurance Review for Allstate: Related Articles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has analyzed the insurance market for almost a decade, first with LendingTree and now with MoneyGeek, conducting original research on hundreds of insurance companies and millions of insurance rates for insurance shoppers.
He writes about economics and insurance on MoneyGeek, breaking down complex topics so people can have confidence in their purchase. Like all MoneyGeek analysts, Mark collects and analyzes independent cost and consumer experience data on insurance companies to provide objective recommendations in our content that are independent of any of MoneyGeek's insurance company partnerships.
His insights — on products ranging from car, home and renters insurance to health and life insurance — have been featured in The Washington Post, The New York Times and NPR among others.
Mark holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He started his career working in financial risk management at State Street before transitioning to analysis of the personal insurance market. He's also a five-time Jeopardy champion!
Sources
- Allstate. "Homeowners Coverage & Policies." Accessed December 29, 2025.
- Allstate. "Home Insurance Discounts." Accessed December 29, 2025.