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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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Bill
8/1/2021
I have handled hundreds of Allstate claims. They are definitely not the worst but far from the best. They usually deny/underpay claims in bad faith to start but will usually roll over when they get push back.


Greg W
7/16/2021
My rating is a 1 star. If I could give a negative rating I would. Start off with one adjuster end up with three different adjusters. Paperwork gets lost. We’ve been trying to get paid for storage for 15 weeks, there’s slow talk you into saying that they’re trying to get things together when in fact they’re slow on purpose. This is what they’ve been taught to do. They’ve been taught to lie, they’ve been taught to delay, they say that the customer will end up giving up. But they’re in for a long haul because this is why we have NAIC. This is why we will be hiring an attorney and file a complaint against Allstate they are the worst of the worst they’ll take your premium and if you don’t pay... Read More


floataloan1988
5/20/2021
Allstate does not want to pay when you make a claim stay away from them as homeowners.The biased opinion of when your adjuster thinks storm damage happened has left me appalled to say the least . How do you make up your mind when my initial claim was water damage your adjuster never came inside my house why b/c you had already made up your mind that you were not going to cover anything .otherwise you would have made a full insurance claim as I had filed . If I really really needed you then of course you would not be there .If you only want new construction claims then just tell a customer before they insure with you . I don't need or want your $400 you can keep it Good job that's... Read More


L
Lyn A
5/14/2021
Allstate is a crap company. They will not pay to roof your home regardless of the damage if your home is new. They will tell you that they will patch it but don’t think they are going to replace it and pay to fix it correctly because they aren’t! So they will give you a settlement that won’t even begin to help you fix your damages so you are going to pay out of your pocket to get your property repaired correctly! Our roof had extensive hail damage from being hit with baseball sized hail. We had 3 different roofing companies look at our damage. All 3 companies said it needed to be completely replaced. Allstate gave us $4000 and said it could be patched. Your paying premiums that they will... Read More


Randy G
4/5/2021
Allstate is not the company they use to be. They don't respond to calls.You are left on your own trying to figure things out and they don't pay enough for your claim to get necessary repairs.I changed adjusters 3 time but each time I was not informed. I had the worst experience of my 66 yrs of living in trying to get one claim resolved.


lovettsa4
3/17/2021
They did not replace our roof after a hail storm. Neighbors all around us got full replacements and we got partial leaving us to pay the rest.


anotherinfothief
10/29/2020
Been with them 20 years. Dont know why, they have Never paid a claim. I am drawn in by their size and perceived reputation. Last straw. Lightning strike. Lost half my power, appliances and a hole in my wall. They had the nerve to ask me how old the paint on my wall is. They also want me to pay for all inspections and repairs up front. I have $25 in the bank.


Greg W
2/27/2020
I have been a customer of Allstate for over 20 years. In that time, all of my neighbors have had hail damage and replaced their roofs at least twice. None of them have Allstate Homeowner's insurance. None of them also have a magic roof like I must have, since Allstate has looked at my roof several times in the past 20 years and seen no hail damage. I would highly recommend Allstate if you are like me and have a magic roof; otherwise, go with someone else, someone who will actually cover your damage (which professional roofers actually do see on my magic roof).


Laura J
12/24/2019
llstate does not fight Mayhem, they are parteners. After having our car broken into and robbed while on vacation 1500 miles from home, we called Allstate. The robbers took everything but one suitcase; all our medicines, glasses, contacts, retainer, cameras. We were 10 days into a month long road trip. We were violated by robbers and then by allstate. Their first question was are you working or unemployed, followed by who lives in your home. Had they taken one minute to look at our records, they would have seen we were retired. The next fun began when we tried to get replacement of items. We were told receipts or pictures would be needed. Lucky for us we had purchased many items before the... Read More


J
jim f
10/31/2019
absolutly the worst experience we have ever had. i have heard more complaints about this company than any other. my compliant sounds like the others, major hail damage and shingles coming lose. the ajuster doesn't even get on the roof to inspect,and shows up with an attitude



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