Allstate Home Insurance Review


Rating: 8.8 / 10 (Excellent)
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Allstate is a major American company that has the second-largest market share of homeowners insurance in the country. Founded in 1931, the company is known for its highly-rated financial profile, well-regarded invoicing and billing practices, sizable agent network, and expertise in insuring older homes.

How is Allstate rated?

Breakdown

9/10
Financial Strength
8/10
Customer Experience
10/10
Pricing & Discounts
9/10
Coverage

Overall Rating: 8.8 / 10 (Excellent)

Allstate offers excellent homeowners insurance, particularly for people who live in older houses. The company rests on a rock-solid financial footing and does better than average with the way it invoices its customers. Its large US market share suggests that its customers are pleased with its service.

Financial Strength

Financial Strength - 9 / 10

As one of America's legacy insurance companies, Allstate is rated highly by both Standard & Poor's and AM Best. With 5% of the homeowners insurance market coast to coast, the company is well-built to withstand years of unusually heavy or localized claims experience.
Underwriter
Allstate
Marketshare 2016
5.06%
Premiums Written 2016
$30,875,770,916
Standard & Poor's Financial Rating
AA-
AM Best Financial Rating
A+
*The above information reflects the financial strength of the underwriter of the Allstate home insurance policies: Allstate.

Customer Experience

Customer Experience - 8 / 10

Allstate wins higher marks than nearly all of its competitors for its billing practices. In all other areas, it is on par with the other majors. Considering its size, Allstate did not have very many BBB complaints lodged against it. Though it has had some NAICS complaints, its complaint ratio is quite low. This suggests that the company is in line with industry averages for customer service as a whole.

National Association of Insurance Commissioners

NAICS Complaint Ratio 2016
0.47
NAICS Total Complaints 2016
54
*The NAICS complaint ratio (in this case 0.47) is a ratio of the number of complaints a company received to the its total premiums written in a calendar year. The median complaint ratio across all companies is 1. A score below 1 means the company received fewer than average complaints. A score above 1 means the company received a higher number of complaints than average.

J.D. Power 2016 Home Insurance Study

JD Power Overall Customer Satisfaction Score
3 out of 5 (About Average)
Policy Offerings
3 out of 5 (About Average)
Claims
3 out of 5 (About Average)
Interaction
3 out of 5 (About Average)
Price
3 out of 5 (About Average)
Annual Statement & Billing
4 out of 5 (Better Than Most)

Customer Ratings

BBB Rating
A+
Number of BBB Positive Reviews
2
Number of BBB Neutral Reviews
4
Number of BBB Negative Reviews
134
Date Collected
2017-09-20

Allstate Coverage

Coverage - 9 / 10

Allstate's standard homeowners insurance covers dwellings, possessions, liability, and medical payments to people (other than the insurers) injured at the premises. Optional coverages include umbrella liability protection, coverage for water backup, and damage to musical instruments, as well as other valuable possessions.
Basic Coverage Types
Dwelling Protection
Other Structures Protection
Personal Property Protection
Liability Protection
Additional Living Expense Coverage
Additional Coverage
Water Backup Coverage
Scheduled Personal Property Coverage

Pricing & Discounts

Pricing & Discounts - 9.5 / 10

Most homeowners will find Allstate's premium prices squarely in line with those of other major, well-established US insurance companies. However, for some customers Allstate can offer insurance at much more competitive prices than their competitors. This is particularly true for homes more than eight years old (HO8 policies) with unique features that may be difficult or expensive to insure with other carriers.

Household Discounts

  • New Home
  • Home Safety Features

Policy Discounts

  • New Policy
  • Multi-Policy
  • Claim-Free

Contact & Additional Information

Homepage URL
Company Phone
(877) 810-2920
Mailing Address
P.O. Box 660598, Dallas, TX, 75266
Year Founded
1931

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Customer Comments & Reviews

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Alberto C
Bethlehem, Pennsylvania
9/29/2017
I was a Allstate Customer for almost 10 years. A decent service when I lived in NJ, but horrible experience in PA offices. PA Agent closed the office, and Allstate never contacted for assigning me other agent, I have to chase one and another always receiving the same answer... I am not your agent but I will make you a favor to solve your problem!!!. This is a Company that really do not care about the people just the pocket of the people. Very expensive policy cost increasing with not good reason year after year.


J
jude k
Saint Paul, Minnesota
9/5/2017
They are terrible if you have hail damage on the roof. They refuse to pay for damages claiming that the damage is only cosmetic.


Marissa M
Memphis, Tennessee
8/15/2017
They're bad when it comes to claiming roof repairs. The roofing company I talked to does not even recommend All state because they always deny claims!!! Not recommended!


Matt B
Denver, Colorado
6/21/2017
I've been with Allstate for over 13 years since I bought my house and have never filed a claim. I was informed less than two months before my renewal I was going to be dropped for "peeling paint".



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