Home Insurance Allstate: What Types of Insurance Coverage Are Available? Discounts & How to File a Claim

By | April 13, 2022

Our goal in writing this article is to provide you with all the information you need to know about Allstate Home Insurance including insurance coverage, discounts, how to make a claim, contact information, etc.

Allstate began operations in 1931 and has grown to become one of the nation’s largest insurance providers. 

In 2020, it generated over $45 billion in revenue and employed about 87,000 people. 

In addition to the basic home insurance coverage that Allstate provides, its comprehensive home insurance policy covers attached fixtures, such as a garage. 

As a general rule, standard policies cover damages resulting from fire, smoke, theft, vandalism, and weather-related events (including hail, wind, and lightning).

Allstate homeowners insurance offers the following coverage:

  • Dwelling coverage

This type of policy is suited to cover all the physical aspects of your home including the roof and the walls. 

Also included in this policy is damage to other structures on your property, like a detached garage or outbuilding, a pool, or a fence. 

This coverage gives you the peace of mind that your home is covered for loss or damage due to fires, smoke, lightning, wind, hail, theft, or vandalism. 

Additionally, Allstate offers policies that cover damage caused by floods and earthquakes.

  • Personal property coverage

This insurance covers the damaged or lost possessions inside your home, such as furniture, electronics, appliances, and even clothing. 

If the value of the item has decreased since its purchase, you may be reimbursed for the actual cash value. 

As an alternative, you may be given a replacement cost towards the purchase of a similar new item. 

In order to make sure that the high-value items in your home are protected, you might want to consider getting a higher coverage limit.

  • Liability protection

When someone is injured on your property and sues you, this will help protect you. 

The cost of legal defense and settlement fees will be covered by liability protection if you or a family member is deemed legally responsible.  

  • Guest medical protection

In the event that you are sued for injuries incurred on your property as a result of negligence, liability coverage may help cover your legal expenses. 

An individual or guest who has been injured may benefit from the Guest Medical Protection plan to help cover their medical costs. 

Among such expenses are X-rays, surgical procedures, dental work, ambulance rides, and hospital stays.

Home Insurance Allstate Discounts

With Allstate, you can save on home insurance by taking advantage of a variety of discounts. 

It is recommended that you speak with an insurance professional who can identify the discounts you may qualify for so that you are provided with the best rate and coverage.

 Here are some ways to save:

  • Multipolicy discount: 

Allstate promises up to 25% savings when homeowners insurance is combined with an automobile policy or other policies.

  • Easy Pay Plan: 

Getting automatic premium payments can save you up to 5%.

  • Claim-free discount: 

When a new customer switches to Allstate and has no recent claims, they can receive a discount of up to 20%.

  • Protective device discount: 

You may be eligible for a discount on your homeowner’s insurance policy if your home has an alarm system or other type of fire or theft protection.

  • Early signing discount: 

If a customer signs up for a new Allstate policy at least seven days before their existing one expires, they can receive a discount of 10% off the new policy.

  • Welcome and loyalty discount: 

Switching from another company to Allstate can result in savings up to 10% annually for new customers. 

As long as you stay with Allstate you will continue to get that discount every year.

  • Homebuyer discount: 

There is a possibility of a discount for recent homebuyers or customers who buy brand-new homes.

  • Responsible payment discount. 

Paying on time or in full may qualify you for discounts if you have a history of good payment practices.

How to Make a Home Insurance Allstate Claim

Home Insurance Allstate Cliam

Home Insurance Allstate Claim

There are many ways in which Allstate processes claims, making it as efficient as possible for you to begin the process. 

In order to do this, you need to gather as much information about the incident as possible, without delaying too long. 

In most cases, the faster you file a claim, the sooner Allstate can start working out the details, so you don’t have to hold back until you have all the information. 

Any customer can file a claim, regardless of whether they have an Allstate account, using the Allstate Mobile app, call the 24-hour claims line, or reach out directly to their agent.

Follow these steps to file your claim:

  • Contact the police and have them file a report for any damage to your property that may be caused by a crime, for example, theft or vandalism.
  • Get in touch with Allstate as soon as possible. The Allstate app, the online filing system, or your Allstate agent can be used to submit a claim. Make sure you know the cause, as well as when the damage occurred.
  • Take photos and videos of the damage. The app can be used for this as well.
  • Maintain a record of any work you do to your home, such as repairing damage caused by a water leak.
  • As soon as you have filed your claim, you will be given a claim number.
  • You will then receive an estimate for repairing the damage from Allstate after they investigate the claim.

About Allstate

As of right now, the company has about 16 million customers with almost 175 million policies throughout all 50 states, including Washington, D.C. 

This company has several subsidiaries, including Encompass Insurance, SquareTrade, and Esurance, among others.

With more than sixteen million households served, it has expanded to provide auto, home, renters, motorcycles, business, and life insurance coverage, and it innovates continuously to provide a variety of innovative products to its customers.

Currently, it has a market share exceeding 8 percent (by 2021) and is the second-largest homeowner’s insurance company in the US.

Home Insurance Allstate Phone Number

You can reach Home Insurance Allstate at 1-800-ALLSTATE (1-800-255-7828) 24 hours a day, 7 days a week. 

You can also find an agent or email us.

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