Ratings

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Overall Rating info icon info icon
Claims Processing
Customer Service
Value for Price
Website and Apps
% Who Would Recommend to a Friend
79%
% Who Plan to Renew
89%
AM Best Financial Strength Ratings info-icon info-icon November 08, 2020
A+
HOW WE WEIGH OUR SCORE
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.

Reasons for Buying

Customers of Allstate originally decided to purchase from the company for these reasons:
25%
Offered best price
22%
Reputation
17%
I had other insurance with this company
14%
Recommended by friend or family member
6%
Saw TV commercial
4%
Financial strength rating
4%
Saw online ad
1%
The company website and mobile apps are easy to use and helpful
1%
Was the company my parents had

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

Would you renew?

89% Yes
11% No

Ratings on Website & Apps

Completely satisfied / Outstanding website & apps that give me what I need and more
42%
Fairly satisfied / Fulfills my needs OK
31%
Average website and apps
19%
Very unsatisfied / digital offering is severely lacking
3%
Unsatisfied / website and/or apps are not fulfilling my needs
3%

How do you prefer to deal with insurer and policy?

In person
32%
Phone
32%
Interactive website
20%
Mobile App
8%
Email
6%
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Customer Complaint Ratio

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Homeowners
0.60
0 1 3 10+
Lower number is better
0 to 1.00
1.01 to 3.00
3.01 and above

About Allstate

Types of homeowners coverage

  • Home structure
  • Flood insurance
  • Guest medical insurance
  • Liability insurance
  • Personal property

Additional policies offered

  • Auto
  • Life
  • Umbrella
  • Boat
  • Motorhome
  • Snowmobile
  • ATV
  • Pet insurance
  • Special event insurance
  • Landlord insurance

Best Home Insurance Companies 2021: Allstate

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.

Gauging an insurance company

Before buying with a company it is wise to check on a company's financial strength and complaint record. The A.M. Best rating listed above gives you an idea of Allstate's financial strength to pay claims. A complaint ratio can be found on the National Association of Insurance Commissioners (NAIC) site. The median complaint ratio from the NAIC is always 1.00. This means half of the insurers have a complaint ratio of under 1.00 and half have a ratio above. Basically, numbers lower than 1.00 are better with fewer complaints than the median and a number higher than 1.00 has more complaints than the median.

Company Background

 

More than just a brand of tire

Allstate Insurance Company started at a time when people needed both insurance and reassurance: in the midst of the Great Depression. It was 1931 when Robert E. Wood, a retired U.S. Army Brigadier General and the Sears, Roebuck & Co. president and board chairman, started an auto insurance company. Allstate was named after Sears' then-popular brand of tires, Allstate. 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 is known for its popular slogan,  “You’re in good hands with Allstate,” and is the second-largest home insurance company in the nation. It serves more than 16 million households.

Consider Allstate for bundling and concerns about rising premiums

The more insurance you get with Allstate, the more you can save. In fact, when you have both auto and home insurance through Allstate, you can save up to 25 percent off your auto premiums and up to 35 percent off your home premiums.

Allstate will also let you purchase extra features that will help keep your premiums low if you end up filing a claim. For instance, they have "Claim RateGuard," which means if you have to file a claim, your rates won't go up. Considering insurance premiums can easily go up 15 to 25 percent after filing, it may give you peace of mind to get Claim RateGuard. And that's what Allstate and all insurers are trying to give consumers – peace of mind.

Contact information

Corporate Headquarters
Allstate Insurance Company
2775 Sanders Rd Ste F8
Northbrook, IL 60062
Telephone: (847) 402-5000

Types of special coverage

Identity restoration. Service includes fraud alerts and stolen identity restoration.

Claim Rateguard. Protects your premiums from going up if you file a claim.

Claim-free bonus. In addition to getting a discount for being claims free, you could also be eligible for a bonus.

Discounts

Multi-policy. Discount for more than one type of policy with the same insurance provider.

Easy payment. Discount if you set up automatic payments.

Claim-free. Discount if you haven't filed a claim in a specific amount of time.

Early signing. Discount when you sign up for a new policy before the previous one expires.

New home. Discount when you buy a new home.

Safe home. Discount if you have security and fire-suppression systems.

New customer. Discount for new customers the first two years.

55 and retired. Discount for being 55 and retired since you're considered a lower home insurance risk.

Smoke-free home. Discount if no one smokes in your house.

Storm shutter and hail-resistant roof. Discounts if your home has special features to protect it against major storms.

In which states is Allstate home insurance available?

AL AK AZ AR CA CO CT DC DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY

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