Property Policy Features

Insurance that Works for You

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We’ll help you sort through your home insurance options

Shopping for the right home insurance policy can be hard. Don’t worry! Your local Allstate agents are here to give you the right information and help you sort through the many homeowners’ insurance options. We also offer many extra features that help you save money and increase the value of your coverage.

Your Choice Home®

You can add features like Claim Forgiveness, Disappearing Deductible and personalized options to your home insurance policy (one personalized option is free with a VIP Package).

Claim Forgiveness*

With our Claims Forgiveness feature, your property insurance rates won’t go up even if you make a claim.

Claim-Free Bonus Cheque

When it comes to your home, it’s important that you take safety precautions to help prevent the unexpected from happening. And if you’ve been claim-free for at least one year, Allstate will reward you our Claim-Free Bonus cheque!** It’s our way of recognizing your claim-free status on your property (home and condo, excluding tenants and residential fire policies). A cheque will be mailed to you at the end of each claim-free term. You’ve earned this reward, so take advantage of it and cash your cheque promptly.

Disappearing Deductible***

Each term you go without making a claim, we reduce your deductible until it disappears.

Personalized Features

This option provides extra coverage for your favourite pastimes. Find out about our Golf Package, Ski & Snowboard Package, and more. We even offer Identity Theft & Legal Expense Coverage and coverage for students living away from home. You can buy these options with Allstate’s Your Choice Home®, condo or tenant insurance (one personalized option is free with a VIP Package).

Learn more about Allstate’s Personalized features.

myAllstate®– your online account

Manage your policy and pay your bills anywhere, anytime with myAllstate online.


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 5 years.
** The bonus cheque reward will be sent to you prior to receiving your renewal offer. Terms and conditions apply.
*** 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.