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Allstate Renters Insurance Review

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Founded in 1931 and based in Illinois, the Allstate Insurance Company is the second largest provider of personal insurance products in the US. The company is able to provide nearly every kind of insurance product under the sun, including auto, home, life, boat, landlord, business, and renters policies. Allstate's renters coverage is dependable and inexpensive.
 
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How is Allstate rated?

Breakdown

4.5/5
Coverage Options
4.8/5
Add-Ons & Discounts
4.5/5
Customer Service
4.5/5
Financial Strength

Overall Rating: 4.6 / 5 (Excellent)

Allstate provides some of the most comprehensive renters insurance in the marketplace, and it does so at a very reasonable price. Customers can take advantage of a robust list of discounts, getting their coverage down to virtually pennies a day. Their online quote process is extremely easy and flexible, allowing customers to alter coverage options and see the effect on their quote in real time. Deductibles, discounts, and coverage limits are all more flexible than most other companies. For extra comfort this all comes with the backing of one of the largest and most financially sound insurers in the world.

Allstate Coverage

Coverage Options - 4.5 / 5

Allstate provides all the standard coverage you'd expect from a solid renters insurance plan. Personal property has a minimum coverage value of $15,000. Family liability protection can be set anywhere from $100,000 to $500,000. Interestingly, Allstate also allows you to set the limit on guest medical protection (payments in case visitors who injured on your property) anywhere from $1000-$5000. Extra coverage options that can be included at an additional price include identity theft protection, flood insurance, and umbrella coverage.
Basic Coverage
Personal Property
Personal Liability
Loss of Use / Additional Living Expenses
Optional Coverage
Scheduled Coverage
Identity Theft Restoration
Property Valuation Methods
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

Add-Ons & Discounts - 4.8 / 5

Allstate can provide some of the most competitive prices around for renters insurance. Coverage before discounts can start as low as around $20 a month, assuming a $500 deductible. If one were to choose the $1,000 property deductible, the rate would go lower still. During the quote process, Allstate provides you with the opportunity to take advantage of a significant list of discounts. These include discounts for smoke detectors, fire extinguishers, deadbolt locks, fire alarms, sprinklers, security guards, and burglar alarms.
Annual Premium
Starting at $252
Deductible Options
$250, $500, $1,000
Maximum Liability Coverage
$500,000
Property-Level Discounts
Burglary Protected
Fire Protection

Customer Experience

Customer Service - 4.5 / 5

Allstate allows you to get quotes and purchase insurance entirely online, or get in direct contact with an agent if you prefer. The company has a robust suite of online tools once you've decided to buy a policy. Their online claims and claims tracking, as well as their 24/7 support, is second to none in the industry. The company also features a wealth of online information on the subject of renters insurance to help clients decide on the coverage they need so they don't end up overspending. In terms of reputation, Allstate has an A- with the BBB, and surprisingly few customer complaints with the NAIC for a company of its size.

Customer Ratings

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

National Association of Insurance Commissioners

NAIC Complaint Ratio
0.81
NAIC Total Complaints
148
*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.

Financial Strength Ratings

Financial Strength - 4.5 / 5

Allstate is a mammoth organization that serves over 16 million families across the nation. The company has over $100 billion in total assets. For 85 years Allstate has enjoyed a rock solid financial reputation bolstered by solid financial ratings. The company has an AA- grade (fourth highest) from S&P, an Aa3 (fourth highest) from Moody's, and an A+ (second highest) from A.M. Best. This favorable credit outlook will likely continue into the future, so clients of the company can be sure of its creditworthiness and claims paying ability.
Underwriter
Allstate Insurance Company
Standard & Poor's Financial Rating
AA-
Moody's Financial Rating
Aa3
AM Best Financial Rating
A+
Company Type
Underwriter
*The above information reflects the financial strength of the underwriter of the Allstate renters insurance policies: Allstate Insurance Company.

Contact & Additional Information

Homepage URL
https://www.allstate.com/
Company Phone
(877) 810-2920
Headquarters Address
2775 Sanders Rd, Northbrook, IL, 60062
Mailing Address
P.O. Box 660598, Dallas, TX, 75266
Year Founded
1931

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