Reviews Report
- Allstate ranks above the industry average in the 2020 J.D. Power U.S. Home Insurance Study
- Allstate receives a A+ (Superior) financial rating through AM Best, highlighting the significant financial strength and past ability to payout claims.
- Reviews.com scores a 4 out of 5 based on customer service reviews, financial strength, and digital assets.
Allstate homeowners insurance is available for purchase in all 50 states, including Washington D.C. and does not rely on third-party underwriting for its policies.
Allstate combines strong personal customer service with convenient digital technology, such as the mobile app, for a comprehensive policy management experience. Plus Allstate features a Superior level of financial strength, with an A+ rating through AM Best. We conducted a complete review of Allstate homeowners insurance policies including the customer satisfactions ratings, discounts, and coverage options all through the lens of our data-based methodology.
Allstate offers plenty of insurance options for homes, cars, boats, motorcycles, life insurance, and more. Our Allstate homeowners insurance review uncovered what you might already expect — a powerhouse option with a lot of flexibility, discounts, and highly rated customer service. Some important highlights customers will enjoy include coverage in all 50 states, great third-party validation, and options for customization.
Allstate’s Average Home Insurance Premiums in the U.S.
Data provided by Coverage.com
Allstate Home Insurance Overview
Allstate is one of the country’s largest insurance providers and offers several discount possibilities and no third-party underwriters to deal with. Available nationwide, Allstate also allows for customization of policies. Customers get standard homeowners’ insurance policies such as dwelling, property, and liability. On top of that, you can add optional coverage to make sure your policies fit their exact needs.
Allstate has been serving customers for over 80 years, and its popularity reflects that. According to YouGov, Allstate is the third most famous insurance brand, and 45% of Americans have a favorable opinion of the company. In addition to strong customer service marks, it receives good financial strength ratings from S&P, AM Best, and Moody’s.
PROS
- You can manage your policy through the app.
- No third-party underwriters
- Coverage for Home-Sharing
CONS
- Twice the average customer complaints
Allstate Highlights
The Competition
| Company | Reviews.com Score | AM Best Financial Strength | J.D. Power Score 2020** | NAIC Complaints |
| Allstate | 4 | A+ | 829 | More Complaints Than Average |
| State Farm | 3.75 | A++ | 829 | More Complaints Than Average |
| Geico | 2.75 | A++ | N/A | More Complaints Than Average |
| Progressive | 3.75 | A+ | 797 | Fewer complaints than average |
| Amica | 4.25 | A+ | 894 | Fewer complaints than average |
*All information accurate as of September 2021.
**Based on a 1,000-point scale
Allstate vs. State Farm
Both Allstate and State Farm offer highly customizable homeowners insurance options to residents of all 50 states. As two of the leaders in the insurance industry, it is no surprise these two companies have a lot of similarities. Expect to see extensive flexibility, and intuitive apps, and websites.
While both companies do have great resources for educating customers, Allstate does seem to have a slightly better knack for breaking down concepts in an informative and easy to digest manner. Overall, the experience with Allstate or State Farm for homeowners’ insurance should be quite similar.
Allstate vs. Geico
When it comes to comparing Allstate and Geico, the main difference is that Geico provides home insurance through a network of partners, while Allstate underwrites all of its policies. Both companies give customers the ability to get a fast online quote, and provide the flexibility to tailor plan options to your unique needs.
When it comes to the AM Best Financial rating, it’s close, but the slight edge goes to Geico. Allstate has an impressive A+ rating, but Geico commands the highest possible rating of A++. Although keep in mind that your Geico home insurance will be provided by a third party, so the financial rating and customer experience may vary depending on the partner who will be issuing your policy.
The Bottom Line
Allstate home insurance has many benefits for customers, particularly newcomers. It offers many discounts and flexibility in creating a policy for your needs. While customer service reports are positive—just above the industry average, its complaints index is on the high side.
Allstate Home Insurance FAQ
About the Authors
Sara Coleman is a personal finance freelance writer based in Charlotte, NC. A Journalism Major who studied at the University of Georgia, she enjoys creating approachable content. She’s written for sites such as WorkingMother, BetterYouMag, and SmartMoneyMamas. She loves spending time with her husband and 3 kids, and has a healthy obsession with coffee.
