- Coverage for named perils protecting your dwelling and contents from specific risks like fire and theft.¹
- Optional replacement cost coverage to ensure belongings are replaced with similar items without depreciation.
- Optional home replacement cost guarantee to help rebuild your home to its full value if a total loss occurs, regardless of policy limits in effect.²
- Up to $2 million personal liability insurance coverage towards legal claims if someone is injured on your property (i.e. home from a slip and fall).
- Climate mitigation solutions including liability coverage for severe weather like flooding, wind, hail, and more at no additional cost.³
- All risk dwelling coverage and named perils protection against fire, theft, and other specified risks (excludes events like flood or earthquake).¹
- Replacement cost coverage to ensure personal contents are replaced with similar items without depreciation.
- Home replacement cost guarantee to help rebuild your home to its full value if a total loss occurs, regardless of policy limits in effect.²
- Disappearing deductible that gets lower each year you’re claim-free until it disappears.
- Up to $2 million personal liability insurance coverage towards legal claims if someone is injured on your property (i.e. home from a slip and fall).
- Climate mitigation solutions including liability coverage for severe weather like flooding, wind, hail, and more at no additional cost.³
- Comprehensive coverage protecting your dwelling and contents from damages like fire, vandalism, and theft, plus repair and replacement costs of personal belongings (like electronics, furniture, and artwork).¹
- Replacement cost coverage to ensure personal contents are replaced with similar items without depreciation.
- Home replacement cost guarantee to help rebuild your home to its full value if a total loss occurs, regardless of policy limits in effect.²
- Disappearing deductible that gets lower each year you’re claim-free until it disappears.
- Up to $2 million personal liability insurance coverage towards legal claims if someone is injured on your property (i.e. home from a slip and fall).
- Climate mitigation solutions including liability coverage for severe weather like flooding, wind, hail, and more at no additional cost.³
- Claim forgiveness is available.
- Cyber insurance for protecting against financial loss including legal expense coverage.
- Personal articles floater to insure high-value personal items (i.e. engagement rings) when your principal resident has an all-risk homeowner policy.
- Building ordinance coverage to help cover increased cost of repairs to structures, HVAC, and other upgrades related to meeting by-law regulations.
- Home business endorsement to cover eligible home-based businesses.
- Limited sewer backup coverage for damage caused by escaping water.⁴
- Enhanced water damage insurance for water or sewer lines, up to $10,000 covered for related expenses.
- Ground water, sewers and overflow of body of water policies covers damage from water escaping a sewer, drain, sump pit, or septic pump, due to an insured loss.⁵
- Single limit insurance coverage combining the total limits of coverage A (dwelling), B (other structures), and C (personal property) into one single limit for your insured dwelling location.
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Customers save an average of $960 annually by bundling home and auto insurance.
Get savings on your insurance premium based on the age of your home.
Save more by bundling policies like home and auto or multiple vehicles policies.
Save on your Allstate home insurance policy when you get a quote online.
Enjoy exclusive savings on your policy with Allstate when your home is mortgage-free.
Get rewards with a discount when you install a water leak detection system.
Save on your premium by maintaining a claim-free record.
Enjoy the benefits of your retirement with savings on your home insurance.
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Legal
Terms and conditions apply. Coverage, discounts, perils, and availability may vary by region and are subject to provincial laws and insurance regulations. This page provides general information about coverage from Allstate Canada and does not include all conditions, exclusions, or legal/insurance advice. The actual policy wording and local laws govern. For details, contact your local agency or call 1-800-ALLSTATE.
*Terms and conditions apply, based on national average as of May 10, 2026.
1. Named Perils: Coverage descriptions are for general information only and do not form part of an insurance contract. Coverage, limits, and exclusions apply, including risks such as flood, earthquake, wear and tear, and cyber incidents. Optional endorsements may be required for certain protections. Refer to your policy documents or speak with an Allstate representative for complete details.
2. Home Replacement Cost Guarantee: Available only when indicated on the Declaration Page and subject to eligibility requirements. You must insurance your dwelling to 100% of its replacement cost and accept annual coverage adjustments. Additional conditions apply, including notification of major renovations. Coverage applies to the dwelling only and does not extend to all structures. Refer to your policy for full details.
3. Climate Loss Mitigation Coverage: Available when an evacuation alert or order is issued by a recognized civil authority. Covers reasonable expenses to safeguard property against or reduce the impact of climate, weather-related, or wildfire loss. Maximum limit of $2,500 for up to 30 days. Coverage does not include liability protection and does not apply to flood, earthquake, or other exclusions listed in the policy. Refer to your policy for full details.
4. Limited Sewer Backup Coverage: Protects against damage caused by water escaping from a sewer, drain, sump pit, or septic tank on the property. This coverage is subject to eligibility criteria, including prior claims and mitigation measures. Limits and deductibles apply. Not all properties qualify.
5. Enhanced Water Damage Coverage: Includes protection for sewer backup, overland water, flood, surface water, and rapid groundwater accumulation. Availability depends on property location, claims history, and the presence of mitigation devices. Coverage is subject to limits, exclusions, and conditions.
