Protect Your Home and Family with Quality Home Insurance Coverage

Think about the value of your home and your precious belongings. And then think about what it would take to re-build or replace them. A local Allstate agent has your back. They’ll work with you to make sure you understand the coverage and features available to you to help ensure you get the best protection for your home. They’re always available to review your policy with you to make sure that it is up-to-date, so you’re not missing out. They understand how hard you’ve worked for what is likely your biggest asset. So leave it to Allstate to help you get the quality home insurance coverage you need.


Home insurance policies can be different based on each homeowner’s unique needs.


You can get a good idea of what's covered in a typical home insurance policy by looking at some of the most common, standard coverage included.


What’s covered in a typical home insurance policy?


  • Coverage for Your Dwelling
    This covers your dwelling as well as structures that are attached to it, such as a deck or garage.
  • Detached Private Structures
    A typical home insurance policy also covers structures that are separate from your home, but still on your property, like a detached garage, tool shed or fence.
  • Personal Property
    Home insurance coverage provides coverage for your valuable personal belongings in your home. This provides peace of mind knowing that if your treasured possessions are stolen, damaged or lost, you’ll be covered. You may want to consider adding a Personal Articles Floater to your policy for certain valuables, like jewellery, which may exceed typical personal property coverage limits.

    To help keep track of your personal possessions, try Allstate’s FREE online tool, myLocker which is exclusive to existing myAllstate customers.
  • Liability
    A home insurance policy provides liability coverage to protect you if someone not living with you is injured while on your property (e.g. a slip or fall). You’ll want to make sure you have enough coverage to protect you if the unexpected happens.

 

What are some types of optional home insurance coverages?

  • Additional Coverage
    Allstate offers additional coverage that can be purchased. This includes coverage for earthquake damage; personal articles (e.g. jewellery); sewer back-up (not available in all locations); a home business; and property in a storage facility.
  • Claim Forgiveness*
    At Allstate, we understand that accidents can happen. That’s why your rates won’t go up if you report a claim.
  • Disappearing Deductible**
    We want to ensure you receive the best coverage and features without the burden of high premiums. That’s why your deductible decreases every consecutive term you go without a claim, until it disappears.
  • Natural Disasters
    Many home insurance policies cover fires, lightning strikes, windstorms and hail. Earthquakes are not typically covered, however you can purchase an endorsement for  damage caused by earthquakes. Talk to a local Allstate insurance agent for more information.
  • Home Replacement Cost Guarantee***
    This endorsement provides added peace of mind if your property loss claim exceeds the amount of coverage on your dwelling or private structures (determined by our Replacement Cost Calculator). If the damage exceeds your policy’s limits, we will cover the costs to repair or rebuild your home. For example, if you have $300,000 coverage on your dwelling, and the cost of rebuilding your home due to a loss is $350,000, Allstate will pay the additional $50,000. That’s why it’s very important to tell us about any renovations you’ve done to ensure your home and contents are properly insured.
  • Single Limit of Insurance
    This endorsement allows you to  “borrow” unused coverage from one part of your home insurance policy to pay for losses under another part. For example, if you have $100,000 in coverage for the contents in your home and a fire destroys all of your belongings valued at $125,000, you may be able to claim a portion or all of the $25,000 ($125,000 minus $100,000) from other sections of your home policy, if they have not been fully exhausted as a result of the same claim.

 

How can I personalize my insurance coverage?


You can choose from three Your Choice Home® packages that offer different levels of coverage:

 

VIP Package Elite Package Basic Coverage

Coverage

  • All risk coverage for dwelling buildings and contents (subject to exclusions specified in the policy)
  • Replacement cost (replaces contents with items of similar value, without depreciation)
  • VIP Packages are not available for seasonal risks
  • Home Replacement Cost Guarantee included***

Features

  • Claim Forgiveness*
  • Disappearing Deductible**
  • One free personalized option

Coverage

  • All risk coverage for dwelling buildings and “named perils” (all risk for Quebec) for your contents (subject to exclusions specified in the policy).
  • Replacement cost (replaces contents with items of similar value, without depreciation)
  • Elite Homeowner policies are not available for seasonal risks
  • Home Replacement Cost Guarantee included***

Features

  • Disappearing Deductible**

Coverage

  • “Named perils” coverage for both dwelling buildings and contents (subject to exclusions specified in the policy)
  • Replacement cost (replaces contents with items of similar value, without depreciation)
  • Optional Home Replacement Cost Guarantee***


How can I get a property insurance quote?


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