Get Personalized Coverage with
ALLSTATE HOUSE & HOMESM Insurance
Allstate understands that your home is a big investment. So our House & Home Insurance offers security with customized coverage at an affordable price. The versatile plan helps protect your home and what's inside it, with extra coverage options for furniture, valuables, and more.
Get the flexible protection you need and the discounts you deserve.
Every Allstate House & HomeSM insurance policy comes with several coverages to help protect your home — and what's inside it.
Covers your home and structures attached to it, such as a deck.
Other Structures Protection
Covers buildings that are separate from your house, such as a garage or shed.
Personal Property Protection
Safeguards the possessions inside your house, such as furniture, bicycle, stereo, and more.
Reimbursed Living Expenses
Pays you for living costs if a coverable loss makes your home uninhabitable. Such expenses typically include rent, hotel costs, food, and more.
Helps cover you if someone sues you after being injured on your property.
Guest Medical Protection
Helps pay for medical expenses if someone is injured on your property.
Allstate's additional coverage options let you choose the extra protection that's just right for you — and your most important belongings.
Covers damages when your drain backs up or sump pump breaks.
Scheduled Personal Property
Provides increased limits for a valuable appraised item, such as an engagement ring or fine antiques.
Protects items you are keeping in your home for sale or for business samples.
Identity Theft Restoration
Helps with legal fees, lost wages, and other costs you may accrue if your identity is stolen.
Extended Coverage on Jewelry, Watches, and Furs
Covers these expensive items.
Provides extended coverage on golf clubs, ski or hockey equipment, kayaks, and other expensive gear.
Green Improvement Reimbursement
Pays you back when you replace items damaged from a covered loss with more energy-efficient items.
Yard & Garden
Expands coverage for items including trees, landscaping, riding mowers, and more.
Electronic Data Recovery
Covers up to $5,000 for recovery of lost computer data, including videos and music.
Expands coverage on your guitars, violins, or whatever else keeps you in-tune.
Expands coverage for camera equipment.
Covers increased costs due to the enforcement of any building codes, ordinances, or laws regulating construction, maintenance, or demolition of your home.
Get rate protection if you need to file a claim, and extra savings if you don't.
- Claim-Free Bonus
Here's some good news: Allstate will give you up to 5% back, applied to your renewal bill if you remain claim-free for a yearly policy period. This is on top of all other discounts you may also receive.
- Claim RateGuard®
Claims happen. Help protect your rate. With Claim RateGuard®, your cost won't go up if you have to file a claim.*
Check out these other policies to protect your home and family.
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Personal Umbrella Policy
If you're seeking extra protection beyond the liability limits of auto and/or home insurance, check out Allstate's Personal Umbrella Policy.
Identity Restoration Coverage
Safeguard yourself with Identity Restoration Coverage, which provides you with a personal fraud specialist the moment you contact Allstate.