Compare Allstate vs. Pemco Renters Insurance

What’s the difference between Allstate Renters Insurance and Pemco Renters Insurance? See how our editors compare the two companies below.
Last Updated: April 19, 2018
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Allstate Renters Insurance
10.0 / 10 - Excellent
#1 in Renters Insurance
Pemco Renters Insurance
8.8 / 10 - Excellent
#3 in Renters Insurance
vs

Key Facts

  • Allstate Renters Insurance as low as $4 a month
  • Over 84 years of industry experience
  • Protect your belongings in & out of your apartment
  • Covers fire, theft or vandalism
  • Offers guest injury protection
  • Get an online quote or talk to an agent
  • Mobile app
  • Instantly get a quote online
  • Flexible pricing
  • 24/7 assistance

OVERALL RATINGS

 AllstatePemco
Financial Strength10/109/10
Coverage10/109/10
Pricing & Discounts10/108/10
Customer Experience10/109/10

Coverage Compared

 AllstatePemco
Basic Coverage
Personal Property
Personal Liability
Loss of Use / Additional Living Expenses
Personal Property
Personal Liability
Loss of Use / Additional Living Expenses
Optional Coverage
Scheduled Coverage
Identity Theft Restoration
Off-premises Event Coverage
Property Valuation Methods
Replacement Cost
Actual Cash Value
Replacement Cost
Actual Cash Value

Exclusions

Certain types of property, including jewelry, have a maximum for the dollar amount paid out. However, this limit can easily be increased with higher premiums.

Pricing & Discounts

 AllstatePemco
Annual Premium
Starting at $252
Deductible Options
$250, $500, $1,000
Maximum Liability Coverage
$500,000
Property-Level Discounts
Burglary Protected
Fire Protection
Burglary Protected
Fire Protection
Sprinkler System
Policy Discounts
Multi-Policy
Automatic Payment
Claim-Free
Senior / Retired
Claim-Free

Customer Experience

Customer Ratings

 AllstatePemco
TrustPilot Rating
6.1 out of 10
BBB Rating
A-
A+
Number of BBB Positive Reviews
2
1
Number of BBB Neutral Reviews
4
Number of BBB Negative Reviews
150
3

National Association of Insurance Commissioners

 AllstatePemco
NAIC Complaint Ratio 2016
0.84
0.0
NAIC Total Complaints 2016
175
0
*The NAIC complaint ratio (in this case 0.84) 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.
*The NAIC complaint ratio (in this case 0.0) 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.

Financial Strength Ratings

 AllstatePemco
Underwriter
Allstate Insurance Company
PEMCO Mutual Insurance Co.
Standard & Poor's Financial Rating
AA-
Moody's Financial Rating
Aa3
AM Best Financial Rating
A+
B++
Company Type
Underwriter
Underwriter
*The above information reflects the financial strength of the underwriter of the Allstate renters insurance policies: Allstate Insurance Company.
*The above information reflects the financial strength of the underwriter of the Pemco renters insurance policies: PEMCO Mutual Insurance Co..

Contact & Additional Information

 AllstatePemco
Homepage URL
Company Phone
(877) 810-2920
(800) 467-3626
Headquarters Address
2775 Sanders Rd, Northbrook, IL, 60062
1300 Dexter Ave North, Seattle, WA, 98109
Mailing Address
P.O. Box 660598, Dallas, TX, 75266
Year Founded
1931
1949

Final Verdict

Allstate Renters Insurance has a higher overall rating than Pemco Renters Insurance. Allstate scores better than Pemco across: Financial Strength, Coverage, Pricing & Discounts, and Customer Experience.


Customer Comments & Reviews

Angelica H
North Hollywood, California
6/6/2017
Pemco Renters Insurance review
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