Frequently Asked Questions

Relocate with Allstate. Relocating can be a very exciting but busy time... and you usually may not think of all of your questions... until the last-minute. So what are some of the most common relocation questions? Use the questions below as a great starting point. Consider the ones that may apply to you, and get answers from your agent on the items he or she may be able provide. How can Allstate help?

How can I save money on my Allstate insurance premium?
In many states and communities, Allstate offers a range of multiple policy, safety conscious and claim-free discounts to customers. Depending on your home, situation and state, you may be eligible for one or more of these discounts. Contact your Allstate agent, call 1-800-ALLSTATE® (1-800-255-7828) or read "What About Discounts and Savings?" for more information. (Discounts are subject to availability and qualifications. Other terms, conditions and exclusions may apply.)
Who do I contact if I plan to move?
Contact your Allstate agent or call 1-800-ALLSTATE® (1-800-255-7828) to discuss your change of address and change of residence.
What type of coverage should I carry on homeowners insurance?
The type of coverage you need depends on your unique situation, community, etc.. Contact your Allstate agent, or call 1-800-ALLSTATE® (1-800-255-7828) to determine the options available to you that may best fits your needs.
I'm selling my home but plan to rent now. Do I still need insurance?
Yes. Renters insurance is typically affordable and helps protects your personal property, valuables, etc. However, talk with your agent about the proper coverage levels on expensive jewelry, home electronics systems, and even expensive clothing.
I'm purchasing a condo. Do I just purchase traditional homeowners insurance?
A condominium is unique because you have both common and individual insurance needs. Be sure to find out if your condominium association has insurance for common areas - and where you wouldn't be covered. Read your bylaws as well. However, you're still responsible for insuring your personal property, yourself from liability and your guest's medical protection, and many other issues that can come up when you least expect it. .
Does Allstate insure mobile homes?
In many areas, yes, mobile homeowners insurance coverage is available. Talk to an Allstate agent to learn more about potential coverages and options available to you.
How much will insurance for my home cost, and how do I get homeowners insurance?
Homeowners insurance coverage costs vary greatly. It depends on factors such as community, home value, size, age, location, construction type, and the coverage limits and deductibles you choose. Contact your Allstate agent or call 1-800-ALLSTATE® (1-800-255-7828) to review your individual situation and needs.

Contact your Allstate agent or call 1-800-ALLSTATE® (1-800-255-7828) to start the process. As soon as your application for insurance is approved, your agent will confirm when your coverage will begin. Usually, it is upon your application's approval.
I just decided to buy a house. Why do I need homeowners insurance?
Homeowners insurance plays an important role in the protection of your home. One full year's insurance coverage premium is usually required by mortgage lenders before your loan can be processed. If you want to buy a house, you usually have to get insurance first.

Remember, as the date of your real estate closing approaches, the number of details you must contend with multiplies. Make it easier on yourself when it's time to close by preparing in advance.
What happens if something is damaged during the move? Does my homeowners insurance cover it?
Under most Allstate homeowners policies, if the loss or damage is caused by a situation noted under your "Losses We Cover" Coverage C Personal Property section, you would likely be covered. However, you might want to consider purchasing additional coverage through the vendor moving your personal property just in case.

If you elect to file a claim against your homeowners policy, all policy conditions - including limits and the deductible - will apply to the loss. Please contact your Allstate agent or call 1-800-ALLSTATE® (1-800-255-7828) for additional information.
If a moving company is taking my car, do I have to purchase additional insurance?
Your vehicle is covered under your auto policy, not your homeowners policy. You should contact your Allstate agent to make sure you have the proper insurance coverage on your vehicle prior to the move. You might also consider purchasing additional coverage with the company transporting your vehicle. They usually have some options available.
When is the right time to change my homeowners insurance to my new address?
In most instances, proof of insurance on the property is required prior to or at closing when purchasing a new home. Your Allstate agent should be able to advise you on the recommended transition timelines and any outstanding issues related to your coverage. Contact your agent well in advance of your closing date.
If I sold my home and have not bought a new home yet, when should I cancel my coverage?
Your Allstate agent should be notified of the upcoming insured property's sale as soon as possible. As long as all payments are up-to-date, the policy will generally remain in effect until the sale of the property is complete.

Published: February 2012

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.

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