*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: July 13, 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 $6,359 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 vary by location. Weather risks, rebuilding costs and state regulations all affect premiums. For example, homeowners in Alaska pay about $1,881 per year, compared with around $3,539 in Missouri.
Data filtered by:
$250K Dwelling / $125K Personal Property / $200K Liability
| Alabama | $428 | $5,138 |
| Alaska | $157 | $1,881 |
| Arizona | $210 | $2,520 |
| Arkansas | $383 | $4,595 |
| California | $125 | $1,496 |
| Colorado | $233 | $2,796 |
| Connecticut | $213 | $2,559 |
| Delaware | $79 | $948 |
| District of Columbia | $117 | $1,399 |
| Florida | $949 | $11,393 |
| Georgia | $176 | $2,112 |
| Hawaii | $51 | $608 |
| Idaho | $177 | $2,120 |
| Illinois | $89 | $1,064 |
| Indiana | $286 | $3,433 |
| Iowa | $251 | $3,012 |
| Kansas | $296 | $3,549 |
| Kentucky | $220 | $2,645 |
| Louisiana | $380 | $4,556 |
| Maine | $147 | $1,768 |
| Maryland | $306 | $3,671 |
| Massachusetts | $223 | $2,674 |
| Michigan | $294 | $3,523 |
| Minnesota | $284 | $3,403 |
| Mississippi | $427 | $5,123 |
| Missouri | $295 | $3,539 |
| Montana | $278 | $3,332 |
| Nebraska | $367 | $4,399 |
| Nevada | $90 | $1,085 |
| New Hampshire | $98 | $1,175 |
| New York | $185 | $2,217 |
| North Dakota | $157 | $1,882 |
| Ohio | $122 | $1,467 |
| Oklahoma | $292 | $3,508 |
| Oregon | $94 | $1,124 |
| Pennsylvania | $105 | $1,263 |
| Rhode Island | $289 | $3,472 |
| South Carolina | $205 | $2,455 |
| South Dakota | $229 | $2,743 |
| Tennessee | $205 | $2,465 |
| Utah | $138 | $1,653 |
| Vermont | $77 | $926 |
| Virginia | $189 | $2,273 |
| Washington | $95 | $1,137 |
| West Virginia | $168 | $2,019 |
| Wisconsin | $100 | $1,200 |
| Wyoming | $224 | $2,693 |
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.
Allstate pays to repair or rebuild your home after covered events like fire, wind or vandalism, including attached features like a garage or deck. | |
Detached structures on your property, including garages, fences and sheds, are covered by Allstate when damage comes from a covered peril. | |
Belongings like furniture, electronics and clothing lost to theft or damage are reimbursed under Allstate's policy, including items lost outside your home or during travel. | |
When you're found responsible for injuries or property damage to others, Allstate pays legal fees, settlement costs and court judgments. | |
Medical Payments Coverage | Minor medical bills from a guest injured on your property are covered by Allstate regardless of fault, for situations that don't rise to the level of a liability claim. |
If your home is uninhabitable after a covered event, Allstate picks up additional living expenses like hotel stays and meals while repairs are completed. |
Optional Home Insurance Coverages from Allstate
Allstate offers nine optional endorsements beyond the standard policy. Each add-on covers specific risks and valuable items a basic plan excludes. Availability varies by state.
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 FloodsEvents 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 DamageLosses 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 DamageGradual 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. Accurate limits keep you from being underinsured if a major loss occurs.
- 2Get a Quote
Start on Allstate's website by entering your address and home details to get a personalized quote online. You can also find a local Allstate agent or call 1-800-726-6033 if you'd rather talk through your options.
- 3Review Your Coverage Options
Look over the policy Allstate puts together based on your home details. This is where you confirm your dwelling and personal property limits and decide whether any optional endorsements are worth adding.
- 4Connect With an Agent to Finalize
Allstate's online process gets you to a quote, but purchasing the policy will likely require connecting with a local agent to confirm your details and bind coverage.
- 5Purchase and Confirm Your Coverage
Once everything is set, Allstate sends proof of insurance and your coverage starts on the date you choose.
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 solid middle-ground option for homeowners 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, backed by consistent performance in 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
Here 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 ninth 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 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%.
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 spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Mark holds a B.A. from Boston College and an M.A. in Economics and International Relations from Johns Hopkins University. He started his career in financial risk management at State Street and is also a five-time “Jeopardy!” champion.
Sources
- Allstate. "Homeowners Coverage & Policies." Accessed December 29, 2025.
- Allstate. "Home Insurance Discounts." Accessed December 29, 2025.