LIVE
30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·
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Home insurance review

Allstate Home Insurance Review (2026)

Allstate earned 4.3 / 5 in our 2026 review. Best for: digital experience, strong bundling discounts. Here is the full breakdown.

By the Fintiex Insurance Desk · Updated 2026-05-02
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Key stats
Annual premium
$1,500 to $2,000
AM Best
A+
JD Power
819 / 1000
Bundling discount
Up to 25%
States available
All 50 states
Flood coverage
Separate policy
Digital experience
Excellent
Fintiex rating
4.3 / 5
Pros
  • +Claim RateGuard prevents rate increase after first claim
  • +Digital Locker app to catalogue home inventory
  • +Green improvement reimbursement for eco-friendly repairs
  • +Strong multi-policy discount up to 25%
  • +Excellent online quote and policy management tools
  • +Welcome and loyalty discount for new customers
Cons
  • -Premiums can be higher than competitors in some regions
  • -Customer satisfaction scores below USAA and State Farm
  • -Some coverage options cost extra that competitors include standard

Coverage available

DwellingOther structuresPersonal propertyLoss of useLiabilityMedical payments

Allstate includes the six standard parts of a home policy. Flood and earthquake coverage are excluded by default, which is industry standard. Add them as separate policies if you are in a high-risk zone.

Best for

Allstate is the right pick if you prioritize digital experience, strong bundling discounts. It earns top marks for claims process and digital experience. If you do not match this profile, compare against the other top picks on our home insurance hub.

Overview

Allstate carries an AM Best financial strength rating of A+, which matters more in home insurance than almost any other line. When a hurricane, wildfire, or hail storm hits a region, claims can spike fast. A well-capitalized carrier pays them. A weak one can struggle. The carrier writes policies in All 50 states and is best known for digital experience, strong bundling discounts.

Premiums for a typical $300K single-family home, $250K dwelling, and a $1,000 deductible run $1,500 to $2,000 per year with Allstate. That puts the carrier around the middle of the home insurance market. Of course, premium varies sharply by ZIP code, home age, roof condition, claims history, and credit.

On customer satisfaction, Allstate scored 819 on the latest JD Power US Home Insurance Study. That puts it right around average. The digital experience is rated excellent.

How to get a Allstate quote

Getting a quote from Allstate takes about 10 to 15 minutes online. You will need your home address, year built, square footage, roof type and age, and an estimate of the dwelling replacement cost. Most carriers also ask about prior claims in the last 5 years and your current insurance status.

  • Visit the Allstate home insurance page
  • Enter your address, home details, and coverage info
  • Pick coverage limits (set dwelling to replacement cost, not market value)
  • Review the quote and apply bundling and other discounts
  • Bind the policy online or speak to an agent
Start a Allstate quote

Frequently asked questions

Is Allstate home insurance worth it?
Allstate earned 4.3 out of 5 in our 2026 review. It carries an AM Best rating of A+ and a JD Power home insurance satisfaction score of 819 out of 1,000. Best for: digital experience, strong bundling discounts.
How much does Allstate home insurance cost?
Average premiums range from $1,500 to $2,000 per year for a typical $300K single-family home with $250K dwelling coverage and a $1,000 deductible. Your rate depends on home age, construction, claims history, ZIP code, and credit.
Does Allstate cover floods and earthquakes?
Standard Allstate policies exclude flood and earthquake damage, which matches industry standard. You will need a separate flood policy through NFIP or a private insurer. Earthquake coverage is available as a separate endorsement in most states.
What does a standard Allstate home policy cover?
Standard coverage includes: Dwelling, Other structures, Personal property, Loss of use, Liability, Medical payments. Most policies include personal property at 50 to 70 percent of dwelling coverage and liability at $100K to $500K.
Will I save by bundling Allstate home with auto?
Yes. Bundling can save you about 25 percent on both policies with Allstate. Always run the numbers against two standalone quotes to confirm the bundle wins.
Is Allstate available in my state?
Allstate writes home policies in all 50 states.

Ready to get a Allstate home quote?

Takes about 10 minutes. No commitment to bind.

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