Frequently Asked Questions

Doesn't my landlord's policy cover my things?

No. Your landlord's insurance covers the building structure but, generally, doesn't cover your personal belongings like your furniture, clothes and electronics. A renters policy will help you repair or replace your possessions if they're damaged by a covered peril (such as theft, fire, smoke and more).

Is renters insurance expensive?

An Allstate Renters Policy has an average monthly premium of $16.* And if you also insure your car with Allstate, discounts can save you money on both your renters and auto policies.

*Cost may be higher or lower depending on your location, choice of deductible and coverage limits.

My belongings aren't worth very much, so why do I need renters insurance?

The average renter owns $30,000 worth of possessions. Even your smallest items, like your clothes, linens and DVDs, could add up if you had to replace them all at once. Plus, renters insurance can help protect you in the case of a theft that occurs away from home, stolen or forged checks and stolen credit cards. Renters insurance can also help protect you if someone gets hurt on your property and decides to sue you.

What if I have a loss and I don't have all the information to file a claim?

Calling Allstate as soon as possible can help speed up the claim process. Even if you don't have all the information, you can always provide us with additional details later.

What else can I do to speed up the claims process?

Taking an inventory of your belongings before anything happens can be very useful in verifying what you have and what it's worth. To help you, you can download our free Allstate Home Inventory Guide. Plus, smartphone users can now simplify the process with the Allstate Digital Locker app.

Questions? Want to make changes to your coverage? Call your local Allstate Agent or 1-800-ALLSTATE.