Home Insurance
What Are My Coverage Options?
Your Homeowners Insurance Policy will include these coverages:
You Can Also Choose the Level of Protection That's Right for You
- Deluxe Plus Homeowners: For private homes. The most comprehensive coverage we offer.
- Deluxe Homeowners: For private homes. Excellent protection, but less coverage than Deluxe Plus.
- Deluxe Country Homeowners (not available in all states): If your home is on a mini-farm, this may be an option.
- Standard Homeowners: Coverage for those homeowners who don't need more extensive protection.
You May Also Consider
Is there a disparity between the market value and replacement cost of your dwelling? Allstate has two additional property insurance options.
- Deluxe Select Value Homeowners: For private homes. Excellent coverage for those homes where a disparity exists between the market value and replacement cost.
- Standard Select Value Homeowners: For private homes. Good coverage but less extensive than Deluxe Select Value.
And
Flood Insurance: Since most Homeowners, Condominium, Mobilehome,* or Renters Insurance Policies don't cover a flood, find out if you're eligible for a Flood Insurance Policy.
Landlords Package Policy: Designed for a non-owner-occupied 1 to 4 family unit rental property.
You Can Personalize Your Policy With Optional Coverages Such As:
- Extended coverage on jewelry, watches and furs
- Increased coverage on theft of silverware
- Increased coverage on money
- Increased coverage on securities
- Business pursuits coverage
- Increased coverage on business property
- Satellite dish antennas coverage
- Increased coverage on electronic data processing equipment (such as a computer)
- Portable cellular communication systems coverage (such as cellular phones and cellular fax machines)
- Incidental office, private school, or studio coverage
- Engagement presents coverage
- Building codes coverage
- Lock replacement coverage
- Fire Department charges
Or, you can purchase Scheduled Personal Property Protection with increased coverage for personal property items with value greater than the limits provided in your Homeowners Insurance Policy or through the Optional Coverages listed above.
See your Allstate agent for more information and qualification details on the Optional Coverages available in your state.
To get a quote, go to the Get a Quote tool at the top right hand side of this page.
Learn more about Home Insurance in 
Tools & Resources.
* Please see the disclaimers below.
A Mobilehome Insurance Policy includes flood coverage in the following seven states: Alaska, Florida, Maine, North Carolina, Pennsylvania, Rhode Island and Texas. See your Allstate agent for Mobilehome Policy details and the availability of Federal Flood Insurance coverage in your state.
Scheduled Personal Property is covered on an actual cash value basis. A deduction for depreciation may apply. Please note that other restrictions may apply. Payment will not exceed the amount necessary to repair or replace the damaged item(s) with property of like kind or quality, or the amount of insurance, whichever is less. Please contact your Allstate agent for more information about Scheduled Personal Property Coverage.