We remain committed to putting our customers first and fulfilling our promise to support you with strength, experience and care in these challenging times. Our team understands the uncertainty caused by the COVID-19 pandemic and we’re here to help. You will find Frequently Asked Questions about the “Stay at Home Payment”, Allstate ID Theft and Legal Expense and other options available below.
Allstate’s “Stay at Home Payment”
Allstate ID Theft and Legal Expense
Allstate’s “Stay at Home Payment”
What is the “Stay at Home Payment”?
It's a payment to our personal auto insurance customers, the latest in a number of relief measures offered by Allstate to help customers impacted by the COVID-19 pandemic.
Why was it created?
It's simply the right thing to do.
It is our attempt to compensate customers for the restrictions, changing business practices and financial burden imposed by the COVID-19 pandemic. Our customers are staying at home to help prevent the spread of the virus and care for themselves and their families. As a result, customers are driving less and filing fewer claims. We remain committed to putting our customers first and supporting them with strength, experience and care. Our Stay at Home Payment is part of that commitment to you.
Who received the first “Stay at Home payment”?
Customers who had an active automobile policy with us as of April 8, 2020 qualified to receive a stay at home payment from us in May. This payment applied to personal automobiles such as cars and SUV’s (recreational vehicles such as motorcycles and snowmobiles did not qualify.) If you had an active policy with us as of April 8th, 2020 but have not received your cheque, please contact us at 1-888-859-2006.
How can I qualify for the second “Stay at Home payment”?
All customers who have an active automobile policy with us as of July 6, 2020 and whose account is in good standing (account is not overdue) will qualify to receive this payment. All personal automobiles such as cars and SUV’s will qualify, including motorcycles. Recreational vehicles such as snowmobiles are excluded. There is no need to call in to request or qualify for this payment.
I made arrangements with Allstate to defer my payment for July, am I still eligible?
Yes, customers who made arrangements with us to defer payments due to COVID-19 are eligible if they have active automobile policies as of July 6, 2020 and are in good standing (no other amounts or charges other than the deferred premiums are owing as of July 6, 2020).
What do I need to do to get the “Stay at Home Payment”?
A cheque will automatically be mailed to all customers who qualify. There is no need to call in to request or receive the payment.
How much is the payment?
Each customer who qualifies for the second “Stay at Home Payment” will receive a payment amount equal to 25% of 1/12th of their annualized personal automobile or motorcycle premium on July 6, 2020, (inclusive of all policy changes made prior to this date.) Please note that there is no payment for home or other miscellaneous vehicles.
When will I receive this payment?
All customers who qualify for the second stay at home payment can expect to receive a cheque in the mail in August. There is no need to call in to request or receive the payment.
Can the payment be applied directly to my policy?
No. All customers who qualify can expect to receive a cheque via mail.
Are you giving payments for other lines of insurance?
No. While we are seeing a reduction of kilometers driven and claims filed for personal vehicles since the pandemic, we are not seeing a similar trend in our other lines of business such as home insurance.
Does my vehicle need to carry specific coverage to qualify for the Stay at Home Payment, such as liability coverage?
No, all customers who have an active automobile policy with us as of July 6, 2020, and are in good standing, will qualify to receive this payment regardless of the type of coverage you have on your vehicle (this includes vehicles with suspended or parked coverage).
If I made a change to my coverage such as parking my vehicle, how is the payment calculated?
The “Stay at Home Payment” amounts are based on a customer’s monthly premium amount in force on April 8, 2020 and July 6, 2020. If the coverage change occurred before these dates, the payment will be calculated based on the adjusted annual premium. If the change occurs after July 6, 2020, the payment will be calculated based on the annual premium before the coverage change.
I cancelled my auto policy prior to July 6, 2020 will I still be eligible for the second “Stay at Home Payment”?
To qualify for the second “Stay at Home Payment”, a customer must have an active automobile insurance policy with Allstate on July 6, 2020 and have an account in good standing. Customers who cancelled their policies prior to this date will not be eligible.
Can you direct deposit my “Stay at Home Payment”?
We are working to get these payments issued to our customers as quickly as possible. Sending the payment by cheque is a preferred method, as it will get the money into the hands of customers as quickly as possible.
Can you forward my cheque to a different address?
The cheque will be sent to the address on your policy. If you wish to redirect your mail please contact your postal service.
Will I continue to receive these “Stay at Home Payment” for the duration of the pandemic?
We are continually reviewing our offerings to customers to find additional creative and tailored solutions that can help relieve the financial burden caused by the COVID-19 pandemic. For some of the other ways in which Allstate is providing relief to its customers please visit our Pandemic relief page.
I did not get my second “Stay at Home Payment” cheque, what should I do?
If you have an active automobile policy with us as of July 6, 2020 and did not receive your “Stay at Home Payment” cheque by Sept 15, please contact us at 1-888-859-2006.
Allstate ID Theft and Legal Expense
Allstate Identity Theft and Legal Expense - Customer FAQ’s:
What is Allstate Identity Theft and Legal Assistance?
Identity theft and Legal Expense coverage is an additional measure of support for our customers that provides expert legal advice on a wide range of legal matters including employment law, income security, landlord and tenant issues. Additionally, the coverage can help you to restore your identity in the event it is stolen and can provide funds to cover expenses that you may incur while doing so.
I don’t have a homeowner’s policy; can I still use this temporary service?
Yes, this service is available from May 1, 2020 to August 31, 2020 to all customers with an active policy with Allstate between May 1, 2020 and August 31, 2020, regardless of the type of policy you have with us.
Is this coverage already included in my policy?
Identity theft and Legal Expense coverage is one of the personalized options available to Allstate customers as part of our “Your Choice Home” condominium and homeowner packages. If you are a current “Your Choice Home” customer, you may already have this coverage. Please review your policy coverage summary.
I noticed that I already have this coverage and I am paying for it, will I be reimbursed?
No. As part of our Covid-19 pandemic relief measures, we are making this coverage temporarily available to all of our customers for the time period of May 1 to August 31, 2020 only. Your coverage will continue to be available to you for the duration of your “Your Choice Home” policy (approximately 12 months in total).
How do I keep this coverage after August?
You can add the Allstate ID Theft and Legal Expense coverage as an endorsement to a “Your Choice Home” condominium or homeowner policy. If you don’t currently have a “Your Choice Home” policy with us, or you would like to add this endorsement, one of our agents would be happy to assist you.
Do I pay a deductible to use this coverage?
You will not be charged a deductible for asking legal questions or seeking legal advice under our ID Theft and Legal Expense coverage.
How soon can I use this service? Is there a waiting period?
There is normally a 60-day waiting period associated with this coverage; however, given the current extraordinary circumstances we have eliminated the waiting period so that our customers can get legal advice as quickly as possible. As a result, this service is available to you from May 1, 2020 to August 31, 2020.
How often can I use this service?
There are no limits on how often you can use the service.
What should I do if I need to use this temporary service?
To use this temporary service, please call 1-866-441-3535 to reach a team of legal advice experts. Please know that they are available to you, Monday to Friday 9:00 am to 8:00 pm.
Other ways in which Allstate is providing relief to its customers include:
To help customers experiencing financial challenges, we are offering flexibility in payments through a deferral process which gives customers the option to pause their insurance payments for a certain period of time, up to a maximum of 90 days.
Extension of existing coverage
We are extending insurance coverage for customers who use their personal vehicles to deliver food, medicine and groceries for commercial purposes. Standard personal auto insurance policies typically exclude this coverage.
We remain committed to serving you through our network of trusted advisors and we continue to review our offerings to customers to find tailored solutions that can help relieve the financial burden caused by the COVID-19 pandemic. Please contact your local agency to learn about the options available to you.