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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 05, 2024
Allstate Renters Insurance
4.6 / 5 - Excellent
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Pemco Renters Insurance
4.4 / 5 - Excellent
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Key Facts

  • Offering a full complement of renters insurance coverage
  • Liability, property damage, guest medical and living expenses policies for every budget
  • Buy customized coverage online or through a wide network of agents
  • Get a personalized quote in minutes
  • Optional identity theft protection, personal umbrella policies, and coverage for business property
  • Take the “What’s My Stuff Worth” quiz to see if renters insurance is right for you
  • Mobile app
  • Instantly get a quote online
  • Flexible pricing
  • 24/7 assistance
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OVERALL RATINGS

 AllstatePemco
Coverage Options4.5/54.5/5
Add-Ons & Discounts4.8/54.0/5
Customer Service4.5/54.5/5
Financial Strength4.5/54.5/5

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.

Coverage Fine Print

Business property Sports equipment Green improvement reimbursement Yard and garden Electronic data recovery Musical instruments

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

Discounts Fine Print

Customer Experience

Customer Ratings

 AllstatePemco
BBB Rating
A-
A+
Number of BBB Positive Reviews
2
Number of BBB Neutral Reviews
4
Number of BBB Negative Reviews
150

National Association of Insurance Commissioners

 AllstatePemco
NAIC Complaint Ratio
0.81
0.0
NAIC Total Complaints
148
0
*The NAIC complaint ratio (in this case 0.81) 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
https://www.allstate.com/
https://pemco.com
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: Add-Ons & Discounts. Both companies score similarly on Coverage Options, Customer Service, and Financial Strength.

Customer Comments & Reviews

Angelica H
6/6/2017
Pemco Renters Insurance review
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4.8 / 5 - Excellent
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