Allstate Home Insurance Review
Comprehensive homeowners insurance with claim-free rewards and identity protection included.
By Michael Hewitt, Founder & Editor-in-Chief.
Our verdict
Allstate's claim-free rewards lower your deductible each year, but only after consecutive claim-free years, so the benefit builds slowly. Identity protection comes with most policies, and local agents cover all 50 states. Premiums run above average in many markets and discounts are less generous than State Farm's, which keeps the grade where it is.
Skip it if you want the lowest premium, or expect to file a claim soon.
About Allstate Home Insurance
Comprehensive homeowners insurance with claim-free rewards and identity protection included. Allstate Home Insurance is offered by Allstate. Our editorial rating is 4.5 out of 5.
Best for: Homeowners wanting claim-free reward programs.
Editorial grade: B+ (composite score 83/100).
Highlights
- Claim-free rewards reduce deductible each year
- Identity protection included with most policies
- Available in all 50 states
What we like
- Rewards for staying claim-free
- Wide range of coverage add-ons
- Nationwide availability with local agents
Where it falls short
- Premiums above average in many markets
- Discount programs less generous than State Farm
Fees, minimums, and rates
Monthly fee: Varies by property. Minimum to open: N/A. Rates and promotional offers change often, so check the provider's own page before you apply.
How we reviewed it
This is a desk review: we have not opened an account with Allstate. It is built from Allstate's published rates, fee schedule and terms and from the public complaint record, and compared with the other products in the Home Insurance shortlist. The rubric is the same for every brand.
Similar products to compare
- GEICO Auto Insurance review
- Progressive Auto Insurance review
- State Farm Auto Insurance review
- USAA Auto Insurance review
Read our full editorial methodology for how we review products.