Allstate Renters Insurance Review
Allstate says it is the first major insurer to include free identity theft protection with home, auto and renters policies (from April 16, 2026, in 14 states.
By Michael Hewitt, Founder & Editor-in-Chief. Rates last checked September 29, 2026.
Our verdict
Allstate's draw is free identity theft protection on renters policies, launched April 16, 2026 in 14 states with more to follow, with 24/7 restoration specialists. The catch is price: premiums run above average against digital-first insurers, and claims can move slower than AI-powered options. Quote a cheaper policy too before the extra coverage decides it.
Skip it if the lowest premium matters most, or if you want the faster claims of an AI-powered insurer.
About Allstate Renters Insurance
Allstate says it is the first major insurer to include free identity theft protection with home, auto and renters policies (from April 16, 2026, in 14 states at launch). Allstate Renters Insurance is offered by Allstate. Our editorial rating is 4.5 out of 5.
Best for: Renters wanting identity theft protection bundled free with coverage.
Editorial grade: A- (composite score 86/100).
Highlights
- Free identity theft protection in 14 launch states, with more to follow (new 2026)
- Available in all 50 states with local agents + app
- Both replacement cost and actual cash value options
What we like
- Free identity restoration from 24/7 U.S.-based specialists, where it has launched
- Available nationwide with multi-policy discounts up to 20%
- Flexible deductible and coverage limit options
Where it falls short
- Premiums above average vs. digital-first competitors
- Claims process can be slower than AI-powered options
Fees, minimums, and rates
Monthly fee: From $5/month. Minimum to open: N/A. Rates and fees last checked on September 29, 2026.
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 Renters Insurance shortlist. The rubric is the same for every brand.
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Read our full editorial methodology for how we review products.