Home insurance is an essential part of protecting your home. Home insurance ensures you’re equipped to handle the unexpected with confidence.  

Home insurance offers financial assistance for:  

• Fire and smoke damage
• Theft or vandalism
• Natural disasters, such as windstorms or hail
• Liability claims, such as injuries on your property

In addition to protecting the structure of your home, Allstate home insurance can help cover your personal belongings and provides liability coverage. With this protection, you can rest easy knowing your home, possessions, and financial future are secure.  

With straightforward policies and flexible options, Allstate ensures you’re prepared for whatever life throws your way. Here's what Allstate offers for home insurance:  

• Dwelling coverage: Protects the physical structure of your home, including the roof and walls, against covered damages.
• Personal property coverage: Covers your belongings, such as furniture, electronics, and clothing, if they’re damaged or stolen.
• Liability protection: Protects you financially if someone is injured on your property or if you accidentally cause damage to someone else’s property.
• Additional living expenses (ALE): Covers temporary living costs, such as hotel stays or meals, if your home becomes uninhabitable due to a covered event.
• Identity theft restoration: Provides coverage for legal fees, lost wages, and other expenses associated with identity theft. **
• Business property: Raises coverage limits for business-related items stored at home, such as inventory. **
• Scheduled personal property: Provides additional coverage for high-value items like jewelry, antiques, or fine art. **
• Water backup coverage: Covers damage caused by sewer or drain backups. **

This isn’t a full list of everything that Allstate offers, but it’s a pretty good sampling. Goosehead agents work with you to learn your situation so they can build an Allstate policy that fits your home’s needs. 

Additionally, the descriptions above are general in nature to give you an understanding of what they offer and will be subject to policy terms as well. 

** = Optional coverage that can be added to policies

The cost of Allstate home insurance varies based on several factors, including:  

• Your home’s location: Homes in areas prone to natural disasters or high crime rates may have higher premiums.
• Your home’s value and size: Larger homes or those with higher rebuild costs typically require more coverage, which can impact pricing.
• Your deductible: What you choose to pay for your deductible on your coverage selections will influence what you pay for your premium (meaning you can lower the premium if you’re willing to pay more out of pocket for a higher deductible).
• Your claims history: Your insurance rate may also be affected by your history of previous claims.

Allstate offers several ways to lower your home insurance costs, including:  

• Bundling discounts: Save by bundling your home and auto insurance policies with Allstate.
• Protective device discounts: Install home safety features like smoke detectors, security systems, or fire alarms to qualify for savings.
• Claim-free discount: Enjoy reduced premiums if you maintain a claim-free history.
• New home savings: Get discounts if your home is newly built or recently purchased.

These are just some of the ways that you can save on your Allstate home insurance, but there are other options available. Our agents will work with you to learn your situation so you can get the coverage you need at a price that works for you.  

Goosehead Insurance makes it easy to find the perfect home insurance policy by connecting you with Allstate’s top-tier coverage. By working with Goosehead, you’ll enjoy:  

• Comprehensive comparisons: We compare Allstate’s policies and rates with other carriers to ensure you’re getting the best value.
• Expert guidance: Our agents help you navigate the complexities of home insurance and customize a policy that fits your needs.
• Simple process: Save time with our streamlined process, from getting a quote to purchasing your policy.
• Exceptional service: Get 24/7 support from our team whenever you need it.