Homeowners Insurance Basics
Powerful Protection for Peace of Mind
You don't need to become an expert on homeowner's insurance, just become familiar with some basic concepts.
Being an informed consumer can do more than just help keep your premiums low — it can also help you make sure what you think is covered actually has insurance protection.
After all, your situation is unique and finding the right policy for you is important. You want to be fully informed, if you have to make a claim.
Insuring Your Home's Structure
Learn about setting the right deductible and getting coverage should you need to pay for rebuilding your
home. The price you paid for your home is probably not the amount you will choose to insure it.
Insuring Your Personal Property
You've made a significant investment in your possessions, and they need to be protected.
Read about category limits and per item limits that could affect the amount you are paid for covered lost
or damaged personal items.
Liability Insurance
If someone accuses you of causing harm, it helps to have support in defending yourself.
Discover how liability insurance can help protect your savings in the event of a lawsuit resulting
from a covered loss.
Guest Medical Insurance
Find out how your insurance can pay for medical costs (up to policy limits) when someone is
injured in a covered loss at your home.
Flood Insurance*
Knowing the difference between protection from a flood and a covered water loss is essential.
Get the facts about the Federal Government's National Flood Insurance Program and insurance options for
other water damage.
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Please see the disclaimers below.
Excess Flood Insurance coverage may currently be available but only in the following states: Alabama, Alaska, Arizona, California, Colorado, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Louisiana, Maine, Maryland, Michigan, Mississippi, Nevada, New Jersey, New York, North Carolina, Ohio, Oregon, Pennsylvania, Rhode Island, South Carolina, Texas, Virginia, Washington. In order to qualify for an Excess Flood Insurance Policy, you first need to purchase a National Flood Insurance Policy through Allstate. Excess Flood Insurance is provided by one or more insurance carriers not owned by or affiliated with Allstate Insurance Company. Excess Flood Insurance is subject to availability and qualifications. Other terms, conditions and exclusions may apply. Contact your local Allstate agent to find out whether Flood Insurance coverages are available in your area.
The availability, qualifications and amounts of these coverages and discounts may vary from state to state. In addition, other terms, conditions and exclusions not described above may apply, and total savings may vary depending on the coverages purchased. In some states, we may offer coverages and discounts that are not listed here. For more information regarding your eligibility for certain coverages and savings opportunities, please contact your Allstate agent.