Allied Home Insurance Review

Rating: 8 / 10 (Very good)
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After many years of operating as its own entity, Allied Insurance recently united under its recognizable parent brand Nationwide. This means  former Allied customers are now a part of the strong nationwide brand which has $195.2 billion in assets and 33,000 associates across the world. Allied now offers all Nationwide home insurance products which include basic home owners insurance, additional property insurance for natural disasters like windstorms and hail, equipment breakdown coverage, dwelling replacement cost, and mortgage protection. The company also features renter, condo, and inland marine insurance. 

The company's biggest selling point is its vast list of discounts and credits, along with important additional features. 

Home Insurance Products Offered

Allied offers a wide range of coverage with their standard policies:

Property Insurance - Repairs due to fire, lightning, wind, hail, smoke, freezing, and theft.
Liability
Dwelling Replacement
Equipment Breakdown - $500 deductible for major equipment breakdown, similar to a home warranty but bundled into your home owners policy.
Mortgage Protection - If after a total loss a new mortgage is needed, this feature will protect against a higher rate and disburse funds for closing costs and monthly payments

Policy Extras

Allied offers the following extras standard with their policies if they fall under a covered loss:

  • Replace trees, shrubs, plants or lawn
  • Debris removal
  • Living expenses should home become uninhabitable
  • Repairs
  • Fire department charges
  • Forgeries/counterfeit
  • Second home or rental

Financial Strength Ratings

As a subsidiary of Nationwide Insurance, Allied is backed by a company in business for more than 80 years with solid financial ratings.

Financial Size Category: XV ($2 Billion or greater)
Outlook: Stable

A.M. Best

A+

S&P

A+

Moody's

A1

Better Business Bureaus (BBB Ratings)

A+ Rating
BBB Accredited business

Discounts

As previously mentioned, one of Allied's strong suits is the diverse list of discount and credit options available to customer which can enable them to reduce their monthly premiums.

Multi-policy discount

Bundle home and auto

Gated community discount

Discount due to the security provided by gated community

Home renovation discount

Update plumbing, electrical, heating/cooling or roofing for premium credit.

Home purchase discount

Discount if policy is purchased within first 12 months of buying a home

Protective device discount

For fire alarms, home security, smoke detectors, etc.

Claims-free discount

Get discounts for length of time not making claims

Coverage

Covers cost of rebuilding/ repairing due to a covered peril Yes
Personal liability coverage for personal/ property damage Yes
Covers living expenses outside of the home during rebuilding/ repairs Yes
Coverage for medical expense Yes
Is widely available across the country Yes
Personal property insurance for loss or damage for covered instance Yes

Home Insurance with Allied

Allied is a good choice for home owners insurance primarily because its flexible coverage. The company allows you a lot of leeway to customize your plan and not have to include costly extra coverage you don't actually need. Also, another huge perk is the range of discounts and credits that help customers keep their premiums under control. And because the company is under the larger Nationwide banner, you can be assured of financial stability and claims paying ability. 


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Allied Home Insurance