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Allstate Home Insurance Review

35 Customer Comments & Reviews - see all comments
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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

4.8/5
Coverage Options
4.8/5
Pricing and Discounts
4.5/5
Customer Service
5.0/5
Financial Strength
4.5/5
Add-On Coverages

Overall Rating: 4.7 / 5 (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 - 5 / 5

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
5.06%
Premiums Written
$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 Service - 4.5 / 5

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 NAIC 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

NAIC Complaint Ratio
0.47
NAIC Total Complaints
54
*The NAIC complaint ratio (in this case 0.47) is a ratio of the number of complaints a company received to the 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.

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 Options - 4.8 / 5

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 and Discounts - 4.8 / 5

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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35 Customer Comments & Reviews

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A
Alvaro J
7/18/2023
Really bad Insurance Company. They do whatever it takes not to pay any claim. That is my experience.


kullkoles
11/29/2022
My roof was 23 years old 4 years ago when I signed up with Allstate Homeowners. I was told if I purchased a new roof my rates would be lowered. I purchased a new roof in July 2022 for over $12,000. Allstate wanted proof of a new roof, so I sent them the receipt and pictures. It's now November, they said their underwriters have been looking at it. Funny how it took minutes to originally quote it and take my money. Now they are telling me THEY NEED MORE PROOF!! My agent lives 3 miles from my home. Anyone can see my new roof from the street. Why would I risk insurance fraud (5 yrs. in Ohio) for a couple of bucks? I am going to change, even if it cost the same or a little more.


grpsismo
6/25/2022
I had a hail storm in my area and Allstate, after sending three inspectors to check and take photos, considered that there was no hail damage and they do not want to be held responsible for the damage caused, the decision was made to proceed legally against Allstate, I not recommend this insurance, the report was made on April 26 and they were only taking time to say that the claim did not proceed after two months of waiting.


grpsismo
6/25/2022
I had a hail storm in my area and Allstate, after sending three inspectors to check and take photos, considered that there was no hail damage and they do not want to be held responsible for the damage caused, the decision was made to proceed legally against Allstate, no I recommend this insurance, the report was made on April 26 and they were only taking time to say that the claim did not proceed after two months of waiting.


D
D D
6/2/2022
My home has stood in this suburb since 1952. It is located within 1 mile of three separate fire departments. NO house in this suburb has ever burned down. Then SURPRISE! Allstate is charging me $60 more per month on a home that would sell for under $90K, "because it is not located close enough to a fire hydrant". I call BS. They are shoring up their profits on the backs of policyholders!


tonilsams55
12/17/2021
I'm a senior citizen and filed a claim on my home. It was vandalized. I was told that the cost to fix it would not be enough to pay the deductable and fix damages. I thought that was amazing since labor alone would run around 1500. I have had my fill with insurance companies. They can keep the house and shove it. I also have car insurance with them.


I
Ida T
12/14/2021
will not recommend. Had a bad experience. I made a claim, and they didn't pay for my roof.


I
Ida T
12/14/2021
I've been with Allstate for over 38 years with my car and home. Filed a claim for my home because a tree fell on my roof. They dragged the claim for almost 3 months , they didn't cover the whole expense i had to finish paying the contractor. Will not recommend them to my friends' families or neighbors.


J
james
10/21/2021
had allstate homeowners insurance for about two years, had heavy snow, which i was told was unusual, had some strong wind, ended up with leaking roof, turn in a claim, allstate sent out a inspector, i had a roofer inspecting with him, had another roofer inspect my roof from all three my understanding i needed a new roof. allstate offer me three hundred and seventy dollars and seventy six cents. there is no way i could recommend them


R
Richard t
10/6/2021
They seem to not want to pay claims. 3 months after lightning wiped out almost all electrical and electronics no end in sight



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