Allstate Homeowners Insurance Review | The Ascent
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Allstate Homeowners Insurance Review | The Ascent

Top perks

Generous discounts

Allstate offers more opportunities to save on homeowners insurance premiums than many competitors do, including a responsible pay discount for homeowners who have a solid payment history as well as a 10% welcome or loyalty discount. The insurer’s multi-policy discount of up to 25% is also much more generous than the maximum savings offered for bundled policies by many other insurers. Customers who buy home insurance, Allstate auto insurance, life insurance, and other insurance policy options from this insurer may have more opportunities to save.

Comprehensive coverage options

Allstate offers standard home insurance coverage options, such as dwelling insurance and personal property coverage. But this insurance provider also provides the opportunity to add on many other types of protection including identity theft protection, water backup coverage, and green reimbursement which allows policyholders to replace damaged or destroyed items with more energy-efficient models.

Strong customer service

Allstate agents are available nationwide, so any homeowner shopping for insurance coverage can get in-person support from an Allstate agent if they need it. The insurance company also received an above-average rating on J.D. Power’s 2020 Home Insurance Study, beating out competitors including State Farm and MetLife.

What could be improved


While Allstate offers many opportunities for homeowners to save, the insurer’s standard home insurance policy premiums are above what many competitors charge. For homeowners who aren’t able to qualify for discounts and who are primarily focused on getting the lowest-price home insurance, Allstate may not be the best insurance product.