Home Insurance

Get the quality home insurance coverage you need now

Find closest Allstate agency - Opens in a new Window
Get a free no-obligation home insurance estimate
Call 1-800-ALLSTATE (1-800-255-7828)

Protect your home and property

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. We know how hard it is to find the right house insurance provider.

Allstate is the insurance company that has your back. Our agents understand how hard you’ve worked for what is likely your biggest asset. We know different homeowners have different insurance needs. Our agents will work with you to make sure you understand your options.  We will help you get the best protection for your home.

Here’s what a typical home insurance policy covers

Coverage for Your Dwelling

This covers your home as well as structures that are attached to it, such as a deck or garage.

Detached Private Structures

The typical home insurance policy also covers structures that are separate from your home, but are still on your property, like a detached garage, tool shed or fence.

Liability

Home insurance policies provide liability coverage to protect you if someone not living with you is injured while on your property.

Personal Property

House insurance provides coverage for your valuable personal belongings in your home. If your household appliances and 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 jewelry, which may exceed typical personal property coverage limits.

Do you want a no-hassle way of keeping track of your possessions? Try Allstate’s FREE online inventory tool, myLocker. It’s an exclusive service available to myAllstate customers.

 

Types of optional coverages

Additional Coverage

Allstate offers additional coverage that can be purchased. This includes coverage for earthquake damage; personal articles; water protection coverage (not available in all locations); a home business; and/or 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 a high premium. That’s why your deductible decreases every consecutive term you go without a claim, until it disappears.

Natural Disasters

Many insurance policies cover home 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. Not available in Quebec.

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.

Personalize your insurance coverage

Allstate offers three Your Choice Home* packages that provide different levels of coverage:
(Please navigate to the right of the table to see all 3 columns)

 
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 (excluding Quebec)

Features


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 (excluding Quebec).

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 (excluding Quebec).

 

Legal

Terms and conditions apply. Coverage, perils, discounts, and availability may vary by region.
* Rates will not be increased or surcharged if insured submits no more than one claim every six years
** Claim Forgiveness does not protect your Disappearing Deductible.
This contains information about coverage offered by Allstate but does not list all of the conditions and exclusions which apply to the coverage described. The wording of the actual policy and local law will govern. For more information on coverage, perils, discounts and availability, please contact your local agency or 1-800-allstate.