Allstate ranks 21st nationally in MoneyGeek's analysis of the best renters insurance providers, determined by balancing affordability, customer experience and coverage options. The insurer earned a MoneyGeek score of 4.52 out of 5 overall. Review the table below for Allstate's MoneyGeek scores across each category and its national ranking based on a sample renter profile.
Allstate Renters Insurance Review
Updated: January 26, 2026
Advertising & Editorial Disclosure
Allstate
MoneyGeek Rating
4.5/ 5
4.7/5Affordability
4.3/5Customer Experience
4/5Coverage Points
Average Annual Premium
$178Number of Endorsements
4Number of Discounts
4
Key Takeaways
Allstate is ranked 11th nationally for customer experience, scoring 4.75 out of 5.
On average, Allstate renters pay $178 annually for $20,000 in personal property coverage.
Renters who want to supplement their policies can choose from Allstate's four endorsements, including identity theft restoration and personal umbrella policies.
Allstate Renters Insurance Ratings: MoneyGeek’s Review
| Overall | 4.52 | 21 |
| Customer Experience | 4.75 | 11 |
| Coverage | 3.32 | 40 |
| Affordability | 4.57 | 32 |
How Much Does Allstate’s Renters Insurance Cost?
The average cost of renters insurance from Allstate is $178 per year for $20,000 in personal property coverage, but costs increase with higher limits. $100,000 in personal property coverage, for instance, costs $535 annually with Allstate.
Renters insurance premiums also change based on factors such as your desired coverage level and deductible, your credit rating, the location of your rental property and your claims history. The table below displays Allstate's rates across different coverage levels to help you find cheap renters insurance that fits your budget.
| $20K Personal Property / $100K Liability | $15 | $178 | -9% |
| $50K Personal Property / $100K Liability | $26 | $314 | -6% |
| $100K Personal Property / $100K Liability | $45 | $535 | -4% |
| $250K Personal Property / $300K Liability | $110 | $1,322 | 13% |
Allstate Renters Insurance Cost by State
Allstate's renters insurance rates vary by location because state regulations, local crime rates and regional weather risks affect premiums. For example, renters in Arizona pay $188 annually for $20,000 in personal property coverage, making it more affordable than Maryland, which costs $262 per year. Review the table below to see how Allstate's renters insurance costs change for $20,000 in personal property coverage with a $500 deductible.
Data filtered by:
Alabama
| $20K Personal Property / $100K Liability | $26 | $317 | 26% |
| $50K Personal Property / $100K Liability | $50 | $597 | 41% |
| $100K Personal Property / $100K Liability | $92 | $1,109 | 59% |
| $250K Personal Property / $300K Liability | $112 | $1,346 | 22% |
Note: Data above is for states the company is available in. It is not reflective of the company’s availability in thes tate.
Allstate Renters Insurance Discounts
Allstate provides four discounts to help renters save on premiums, though discount availability varies by state, so contact an agent to confirm which apply to your policy.
Multi-Policy Discount | Save money by combining your renters insurance with a standard Allstate auto policy. |
55 and Retired Discount | Policyholders age 55 or older who aren't seeking full-time work qualify for discounts up to 25% off their premium. |
Easy Pay Plan® | Schedule automatic monthly payments from your account to earn a discount on your renters insurance. |
Windstorm Mitigation Discounts | Renters in Florida with verified wind-damage mitigation features may qualify for significant savings through Castle Key Insurance Company and Castle Key Indemnity Company. |
What Does Allstate Renters Insurance Cover?
Allstate provides the three standard renters insurance coverages that safeguard your personal property and protect you from liability claims.
Personal Property Coverage
Personal property coverage pays to replace belongings damaged or stolen due to covered perils like fire, theft or vandalism. This coverage applies to items like furniture, electronics, clothing and other possessions in your rental unit.
Personal Liability Coverage
Personal liability coverage is responsible for legal expenses and damages if you're held responsible for injuring someone or damaging their property. The coverage also handles legal defense costs if you're sued for a covered incident.
Loss of Use Coverage
Loss of use coverage pays for hotel costs and meal expenses if your rental becomes uninhabitable due to a covered event. This coverage also pays for storage fees, pet boarding costs and other necessary expenses while your rental unit undergoes repairs.
Optional Renters Insurance Coverages from Allstate
Allstate offers four optional coverage endorsements, though availability varies by state, so check with your agent about which endorsements apply to your location. An endorsement adds extra protection beyond standard renters insurance coverage for specific items or situations.
Scheduled Personal Property Coverage | This endorsement protects specific appraised valuables like engagement rings, antiques, musical instruments and coin collections with coverage beyond standard policy limits. |
Personal Umbrella Policy | Umbrella insurance provides additional liability protection beyond your renters insurance limits, covering large liability claims that exceed your base policy and preventing out-of-pocket expenses. |
Identity Theft Restoration | This coverage reimburses legal fees, lost wages and related expenses if someone steals your identity and causes financial harm. |
Flood Insurance | Renters can purchase flood insurance through the National Flood Insurance Program via an Allstate agent to cover belongings damaged by floodwater. |
What Does Allstate's Renters Insurance Not Cover?
Allstate's standard renters insurance excludes coverage for floods, earthquakes, deliberate damage and business use of your rental property. Basic policies don't protect against specific perils that need separate insurance or fall outside typical coverage parameters.
Intentional or Criminal Acts
Allstate won't cover damage you cause intentionally or damage resulting from neglect and poor maintenance. Insurance policies exclude deliberate acts or situations where you failed to properly maintain your rental property.
Natural Disasters
Standard renters insurance from Allstate doesn't cover floods or earthquakes. You'll need to purchase separate flood insurance through Allstate and the National Flood Insurance Program, and earthquake insurance to protect your belongings from these natural disasters.
Business Property and Liability
Your renters insurance doesn't protect business equipment, inventory or liability related to running a business from your rental. You need separate business insurance to cover property and liability associated with commercial activities conducted at your residence.
How to Buy Allstate’s Renters Insurance
You can buy renters insurance from Allstate through its website or by working with a local agent. The company offers both online quotes and personalized service from insurance professionals who can help you select coverage.
- 1Calculate Your Coverage Requirements
Figure out how much renters insurance you need by creating a home inventory of your belongings and estimating their total value. Review your personal property value and pick liability coverage limits based on your assets and potential risk exposure.
- 2Request a Quote Online or From an Agent
Visit Allstate's website to get an online quote or contact a local agent for personalized rates. Give details about your rental property, coverage preferences and personal information to get accurate pricing.
- 3Evaluate Different Policy Options
Compare coverage limits, deductible amounts and optional endorsements to find the policy that fits your needs. Check the cost differences between coverage levels and decide which optional coverages like scheduled personal property or flood insurance make sense for your situation.
- 4Request Available Discounts
Ask your agent or check online for discounts like the 55 and retired discount, multi-policy discount or Easy Pay Plan discount. Apply all eligible discounts to cut your premium before you finalize your policy.
- 5Review and Finalize Your Policy
Review your policy documents carefully to confirm coverage limits, deductibles and included protections match your expectations. Sign your policy and set up your payment method to activate your renters insurance.
How to File a Renters Insurance Claim with Allstate
Allstate lets renters file claims online, through its mobile app or by phone to report covered incidents. The insurer offers flexible claim reporting options to help you start your claim quickly after a loss.
- 1Contact Allstate to Report Your Claim
Call Allstate's claims department, use the mobile app or file online through the website as soon as possible after the incident. Give basic information about the damage or loss, including when and how it happened.
- 2Record All Damage and Losses
Take photos and videos of damaged property and create a detailed list of affected items with their estimated values. Save receipts, purchase records and any other documentation that proves ownership and value of your belongings.
- 3Arrange for a Claims Adjuster Visit
Schedule an inspection with Allstate's claims adjuster who will check the damage in person. The adjuster will look at your rental property and damaged belongings to determine coverage and estimate repair or replacement costs.
- 4Examine the Settlement and Handle Repairs
Review Allstate's settlement offer to confirm it covers your losses according to your policy terms. Accept the settlement and move forward with repairs or replacement purchases using your claim payment.
Allstate Renters Insurance: FAQ
Check our answers to common questions about Allstate renters insurance to learn more about the company's policies and pricing.
What does Allstate charge for renters insurance?
Renters pay an average of $178 per year for $20,000 in personal property coverage or $535 annually for $100,000 in personal property coverage with Allstate. Premiums vary based on your selected coverage level, deductible amount, rental location and individual risk factors.
Does Allstate provide renters insurance discounts?
Allstate offers four discounts including the multi-policy discount, 55 and retired discount, Easy Pay Plan discount and windstorm mitigation discounts for Florida renters. Discount availability varies by state, so contact an agent to confirm which discounts apply to your policy.
What optional coverages does Allstate offer for renters insurance?
You can add scheduled personal property coverage, personal umbrella policies, identity theft restoration and flood insurance to your Allstate renters policy. Coverage availability varies by state, so verify which endorsements are offered in your location.
Allstate Renters Insurance Rates: Our Methodology
We used the following base profile to determine rates for Allstate and judge its affordability:
- Adult renters aged 26 to 64
- Renters with a "good" credit rating
- No claims history in the last five years
- Owning an apartment or condo
We also used the following base policy to get averages for Allstate unless otherwise stated:
- $20,000 personal property coverage
- $500 deductible
- Replacement cost
Our ratings system for Allstate consisted of the following scoring mechanisms:
- Affordability (55% of score): Using our base profile as a guide, we compared Allstate's costs relative to the national average and competition.
- Customer experience (35% of score): We considered forum ratings from Allstate customers, industry studies from J.D. Power and AM Best Financial Strength scores for Allstate.
- Coverage (10% of score): This score considers Allstate's add-on coverage selections relative to the average and the uniqueness of selections available from Allstate.
Renters Insurance Review for Allstate: Related Articles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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.
sources
- GEICO. "Renters Insurance Coverage." Accessed February 1, 2026.
- GEICO. "Renters Insurance." Accessed February 1, 2026.