Allstate Earthquake Insurance Review

#2 in Earthquake Insurance

Started in the year 1931, Allstate is a leading provider of insurance products which includes earthquake insurance. The company provides a list of coverage and protection options for various customer needs. This insurance protects your property, home, building and its contents from damage caused by an earthquake.

Company Profile

BBB Ratings

A-

States Served

50

Age of Company

84

AM Best Ratings

A+

 

Structures Covered

Structures such as Apartment, Condo, Townhouses, Single-Family Home, and offices are covered if damaged by earthquake. However, premiums, deductibles and coverage may vary.

Apartment

Yes

Condo

Yes

Townhouses

Yes

Single-Family Home

Yes

Offices

Yes

 

Plan Details

AllState has a renewable yearly-based earthquake plan. The company offers $100,000 in minimum coverage and up to $500,000 for insuring your properties against damages caused by an earthquake. This is just an average and the total minimum and maximum amount depends on the property’s worth.

Minimum Coverage

$100,000

Maximum Coverage

$500,000

Annual Plan

Yes

Mobile Access

Yes

Sample Policy

None

Privacy Policy

Yes

 

Discounts

Allstate provides a broad amount of discounts in their earthquake insurance plans. This includes multi-policy, loyalty and retired discount.  Unlike other companies, All State gives does not offer claim free discounts.

 

Multi-Policy Discount

Yes

Loyalty Discount

Yes

Claim-Free History

Yes

Other Discounts

55 and Retired Discount, Easy Pay Plan

 

Coverage and Protection

Allstate covers all the basic coverage items for both residential and commercial properties. The company also covers post calamity clean-up such as debris removal, shattered glasses, damaged electrical and plumbing system. 

Personal Belongings

Yes

Appliances

Yes

Furniture

Yes

Personal Injury

Yes

Electrical and Plumbing System

Yes

Debris Removal

Yes

Broken Glass Clean-Up

Yes

Residential

Yes

Commercial

Yes

 

Help, Support and Usability

Allstate uses a variety of help and support channels for connecting with their customers.

Services include easy plan revisions, claims, live chat assistance, coverage calculator, and online quotes.  

 

Online Account Management

Yes

Coverage Calculator

Yes

Live Chat

Yes

Telephone Support

Yes

24 Hour Telephone Claims

Yes

Online Claims

Yes

Online Quotations

Yes

E-mail

Yes

FAQs

Yes

 

Earthquake Insurance at All State

Allstate is a good starting point for Earthquake Insurance shoppers. The company enjoys good ratings on BBB and AM Best. The company sets a $100,000 minimum coverage and a $500,000 maximum for coverage which is at par with most of the companies we reviewed. Prompt and professional customer service is also a big plus for homeowners and businesses searching for earthquake insurance.