Ratings
Overall Rating
AM Best Financial Strength Ratings
May 01, 2021
May 01, 2021HOW WE WEIGH OUR SCORE
- Price35%
- Customer service25%
- Claims20%
- Website and app10%
- Renew/Recommend10%
WHAT IS THIS RATING?
A.M. Best's Financial Strength Rating is an independent opinion of an insurer's financial strength and ability to meet its ongoing insurance policy and contract obligations.
A.M. Best's rating is NOT used to calculate the overall score but it is important information to consider when choosing an insurance company.
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Customer Complaint Ratio
( Allstate’s customer complaint ratio for Homeowners insurance is 0.60 )
Lower number is better
0 to 1.00
1.01 to 3.00
3.01 and above
Best home insurance companies 2021: Allstate
How Allstate compares
Allstate earned a Top 5 spot in our annual Best Home Insurance Companies review, with an InsureScore of four out of five stars. Allstate secured four-star scores across the board in claims, customer service and website & apps.
When we asked Allstate customers how many of them planned to renew their Allstate policies, 89% said yes. Seventy-nine percent of Allstate customers said they would recommend Allstate to a friend.
How likely to recommend?
- 41.67%I would definitely recommend this company
- 37.04%I would probably recommend this company
- 17.59%Neutral
- 2.78%I would not recommend this company
- 0.93%I would probably not recommend this company
Types of coverages offered by Allstate home insurance
- Dwelling
- Liability
- Medical protection for others
- Additional living expenses
Discounts offered by Allstate home insurance
- Multi-policy discount
- Responsible payment discount
- Claim-free discount
- Welcome & loyalty discount
- Home buyer discount
- Easy Pay Plan
- Protective device discount
- Early signing discount
Additional coverages offered by Allstate home insurance
- Identity theft restoration
- Water backUp
- Scheduled personal property
- Business property
- Sports equipment
- Green improvement reimbursement
- Yard and garden
- Electronic data recovery
- Musical instruments
In which states is Allstate home insurance available?
| States in which Allstate home insurance available |
|---|
| Alabama |
| Alaska |
| Arizona |
| Arkansas |
| California |
| Colorado |
| Connecticut |
| Delaware |
| Florida |
| Georgia |
| Hawaii |
| Idaho |
| Illinois |
| Indiana |
| Iowa |
| Kansas |
| Kentucky |
| Louisiana |
| Maine |
| Maryland |
| Massachusetts |
| Michigan |
| Minnesota |
| Mississippi |
| Missouri |
| Montana |
| Nebraska |
| Nevada |
| New Hampshire |
| New Jersey |
| New Mexico |
| New York |
| North Carolina |
| North Dakota |
| Ohio |
| Oklahoma |
| Oregon |
| Pennsylvania |
| Rhode Island |
| South Carolina |
| South Dakota |
| Tennessee |
| Texas |
| Utah |
| Vermont |
| Virginia |
| Washington |
| West Virginia |
| Wisconsin |
| Wyoming |
| Washington D.C. |
About Allstate home Insurance
Founded in 1931, Allstate was started as part of the Sears Roebuck and Company. It became a publicly-traded company in 1993, and they a fully independent company in 1995.
Allstate's focus has always been on safety and consumer rights. It was part of the group that filed to have seatbelts mandatory. It also was involved in coming up with a rate classification system to allow safer drivers cheaper rates.
Today, Allstate provides insurance policies to nearly 16 million households.
Our survey asked policyholders to share experiences or give feedback that they would like to share with others looking to potentially buy from their current insurance company. Here's what they had to say:
"My experience with this company has been good, and I so far has no complaints."
-Age 26, Florida
"We've had both positive and quick resolution to problems as well as somewhat negative and slow resolution to problems."
-Age 31, West Virginia
"It's fine, never got a chance to use it so won't know how effective until something happens."
-Age 33, Virginia
"My home insurance company is very responsible and it works for my needs. It has good insurance plans and very attractive and extensive coverage, the customer service is excellent and of quality."
-Age 34, Florida
"I get the best service from Allstate."
-Age 35, California
"This insurance company is very innovate and trustworthy"
-Age 35, Florida
"They are very easy to work with and thr best prices around that I've found."
-Age 35, Illinois
"It's a good insurance company. They have good customer service."
-Age 35, Kansas
"I don't plan on switching my insurance company because they are very good."
-Age 35, Missouri
"There's no real reason for me to recommend them other than they've been fine. Nothing horrible but nothing amazing either, they are solidly average, no more, no less. I have also never had to file a claim and I think if and when that happens, then I'll know for sure if they're good or bad."
-Age 35, New York
"I don't have many big issues with my insurance company all things considered."
-Age 36, Wisconsin
"I would say to shop around"
-Age 36, Michigan
"Try Allstate, you're in good hands"
-Age 36, North Carolina
"It's a fine company."
-Age 37, New York
"Its pretty good"
-Age 38, Illinois
"Average company"
-Age 39, Texas
"They have good rates but you cannot change your policy online."
-Age 39, Texas
"I got some great discounts with them."
-Age 39, Kentucky
"Just average."
-Age 39, North Carolina
"Good price for the value."
-Age 40, Ohio
"They are a reputable company that's been around for a while. The claims dept is easy to deal with. Pretty straightforward experience."
-Age 40, California
"They are a good company."
-Age 40, Florida
"Look into Allstate they have the best services and discounts to boot"
-Age 41, Oklahoma
"Very good experience"
-Age 41, Wyoming
"Great overall value, great customer service, and easy to use payment options"
-Age 41, California
"They're trustworthy and reliable."
-Age 41, California
"They have always been there for me and help me to find the cheapest insurance I can get."
-Age 42, Maryland
"Just okay."
-Age 43, California
"I've never had a major issue."
-Age 43, Indiana
"It's a good company would like to pay less but overall ok"
-Age 44, New Hampshire
"They listen to the customer and will be open to lowering your rate if you feel that it is too high"
-Age 46, New York
"No real experience"
-Age 47, Texas
"I haven't had a better experience so I keep sticking with Allstate."
-Age 47, California
"Good company w good prices"
-Age 48, Pennsylvania
"Good pricing and customer service are acceptable."
-Age 48, New York
"Do not switch to this company! The claims department is a joke. It fails to return phone calls or answer phone claims or emails. Took 3 months for them to get back to me after about 30 phone calls and emails."
-Age 48, North Carolina
"Good experience no problems"
-Age 49, Georgia
"They are fairly good at filing claims but there is a lot of paper work involved"
-Age 50, Michigan
"I find this company to be very honest and open. Helpful, and hopeful!"
-Age 51, Pennsylvania
"I would recommend them for home insurance. They were excellent after a claim."
-Age 51, Tennessee
"They are easy to do business with"
-Age 51, New York
"Best rates for high coverages"
-Age 52, Pennsylvania
"I am not positive I would recommend them."
-Age 52, Texas
"Good price and ease of doing business with them, fair and equitable on complaints, courteous"
-Age 53, Washington
"I saved over $1000 per year when I switched to Allstate!"
-Age 54, Oklahoma
"My company is always there and they care first for their customers and they help and do what they can for you."
-Age 56, Arkansas
"Not good."
-Age 56, Colorado
"They are not 100%. Capable of doing the best job, but are affordable."
-Age 56, Florida
"Good bundle price so have Allstate for home and auto."
-Age 56, New Hampshire
"My agent is honest whenever he answers any questions I may have."
-Age 57, Washington
"I have them for auto and home and think they are the best."
-Age 57, Indiana
"They aren't that good"
-Age 57, New York
"Great company"
-Age 58, Indiana
"That they are easy to work with and have good rates"
-Age 61, Nebraska
"They have different plans and different payment plans as well plus automatic withdrawal so all of that is helpful."
-Age 62, Alaska
"They are very easy to deal with, they have excellent customer service."
-Age 62, Georgia
"Easy to deal with broker."
-Age 62, New York
"Easy to deal with and easy to use."
-Age 63, Ohio
"Don't expect to hear from agent unless he has something to sell you."
-Age 63, Pennsylvania
"They offer competitive pricing, have great customer service, their claims department is fair and helpful."
-Age 63, South Carolina
"They are overpriced and very difficult to deal with plus they send spam almost every day"
-Age 63, Michigan
"We have had this policy for about 2 years, but have never needed to file a claim. The price is extremely reasonable. Other than that, I have no other experience to reference."
-Age 63, North Carolina
"I am looking to change and would tell others lookat Allstate for home insurance to find another company."
-Age 64, Georgia
"The price is low and they bundle the policies"
-Age 65, Illinois
"The price is fair, and we have the coverage needed to feel assured in case anything would happen."
-Age 66, Maryland
"Quality company."
-Age 67, Texas
"Just got a policy with them so think they are ok but don't know much yet."
-Age 67, California
"Insurance is a necessary evil. You hope to never have to use it. The minor claims never exceed the deductible and the major claims never are fully covered."
-Age 68, Pennsylvania
"A reputable company as good as any other."
-Age 68, Michigan
"For this area, they offer the best premiums (so far)."
-Age 68, New York
"I have been with them a long time and never had any issues. Their costs are reasonable and customer service is great."
-Age 69, North Carolina
"Great rates, wonderful agent"
-Age 69, Texas
"Have not had the opportunity to file a claim yet, don't plan to, but after a great experience with an auto claim through them, expect the same if ever had to file claim for my home policy."
-Age 69, Idaho
"They're always there when you need help and have any questions."
-Age 70, South Carolina
"I would not switch at this time"
-Age 70, Illinois
"It is a good company and very reliable"
-Age 70, New York
"No problems. I have been with them for 35 years."
-Age 72, Maryland
"The annual review has saved my some money on my premiums due to upgrades to then house."
-Age 73, Wisconsin
"They have been there when I needed them."
-Age 74, Kentucky
"They do a good job at an affordable price."
-Age 76, Georgia
"They are great to do business with."
-Age 76, Kentucky
"I have been with Allstate for over 20 years and I have my auto and home insurance with them. When I need to talk to an agent or service rep, they are very helpful and knowledgeable."
-Age 78, Ohio
"Allstate stands behind their ads!"
-Age 80, Texas
"I had one claim over a 46 year period and had no trouble to get the damage covered"
-Age 84, Pennsylvania
"Always respond to all my call. Very reliable, dependable and I feel they are an honest company."
-Age 86, Illinois
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