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.
Coverage on fine arts, firearms and business personal property is limited to within the United States of America and Canada and is subject to availability and qualifications.
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.
Different rates apply for professional and non-professional musical instruments. A higher rate is applicable to professional musical instruments insured under SPP coverage. Discounts subject to availability and qualifications. Amounts may vary from state to state. Total savings may vary depending on the coverages purchased. For more information regarding your eligibility for these savings opportunities, please contact your Allstate agent.
When the Scheduled Personal Property item is removed from the vault, the insured must notify Allstate in advance or the SPP Endorsement ceases to cover the item. The insured must also pay the additional premium for the time the item is not vaulted. Scheduled Personal Property Coverage is subject to the terms and conditions of the policy. This is a brief coverage description; this is not a contract. Please read an Allstate policy for full details. Optional Coverages "J" and "BP" are subject to the terms and conditions of the policy. This is a brief description of the coverages; this is not a contract. Please read an Allstate policy for full details.
Coverages and discounts are subject to availability and qualifications. Other terms, conditions and exclusions may apply.
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.