Home Insurance

Get Personalized Coverage with

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.

ALLSTATE HOUSE & HOMESM Standard Coverages

Every Allstate House & HomeSM insurance policy comes with several coverages to help protect your home — and what's inside it.

  • Dwelling Protection
    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

    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.

  • Liability Protection
    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.

Additional Coverage Options

Allstate's additional coverage options let you choose the extra protection that's just right for you — and your most important belongings.

  • Water Backup
    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.

  • Business Property
    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.

  • Sports Equipment
    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.

  • Musical Instruments
    Expands coverage on your guitars, violins, or whatever else keeps you in-tune.

  • Cameras
    Expands coverage for camera equipment.

  • Building Code
    Covers increased costs due to the enforcement of any building codes, ordinances, or laws regulating construction, maintenance, or demolition of your home.

Enhanced Features

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.*


In addition to offering affordable coverage, House & Home insurance features several discounts that could save you even more.

  • Multiple Policy discount
    Earn a discount for bundling your home and auto policy with Allstate. You'll save even more if you bundle additional policies, such as life insurance, too.
  • Claim-Free discount
    Save more when you don't file a property claim.
  • Welcome discount
    New customers can earn a discount the first two years they're insured.
  • Early Signing discount
    Earn savings if you sign up with Allstate before your old policy expires (Not available in all states).
  • Easy Pay discount
    Save money simply by setting up automatic payment from your checking or savings account.
  • Home Buyer discount
    Save on your home policy if you purchase a newly constructed home. Recent homebuyers could also qualify.
  • Protective Device discount
    Qualify for a discount if your home features additional protection against fire and theft.
  • Hail-Resistant discount
    You could qualify for savings if your house has a hail-resistant roof.
  • Smoke-Free discount
    Save if no one in your house is a smoker.
  • And more!

Additional Policies

Check out these other policies to protect your home and family.

  • Flood Insurance

    Flood Insurance
    Looking for flood insurance?

  • Earthquake Insurance

    Earthquake Insurance
    Interested in learning about earthquake coverage?

  • Personal Umbrella Policy

    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.

  • 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.

*This feature applies to one claim every five years.
Discounts and coverage subject to terms, conditions, availability, and qualifications. Discounts will vary. The full amount of the discounts may not be realized due to minimum premium requirements. Features are optional and subject to terms, conditions, and availability. Savings will vary. © 2012 Allstate Insurance Company, Northbrook, IL.

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