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 generally are paid for covered lost or damaged personal items.
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 help pay for medical costs (up to policy limits) when someone is injured in a covered loss at your home.
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.
You can get a rough "ballpark" homeowners insurance quote from many companies online, but talking with an agent allows you to ask questions and get a quote for coverage that matters most to you. An agent can prepare a quote that details the coverage, deductibles (your portion of a loss) and cost (premium) of your homeowners insurance policy. If you like to be prepared, read Preparing to Talk with an Allstate Agent
When you have quotes from different companies, make sure to compare the level of protection you are getting. Some typically comparable things are:
Structure Limits and Deductibles
Personal Property Limits and Deductibles
Liability Coverage Limits
Guest Medical Coverage Limits
Online quotes often default many of the criteria used in a full quote to the best values. Adjust different options and immediately see the potential effect on a policy's annual cost with our Premium GaugeSM