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Projected Costs

Many factors impact the price of your home insurance policy. Learn how they affect your premium so you can make even smarter decisions.

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When you’re ready, here are some talking points to go over with your agent that can help you save on homeowners insurance.

How does the age of my home impact my premium?
As a house ages, there’s an increased risk that a mechanical failure will occur, causing structural and property damage. However, if you renovate any of the major systems, you may qualify for a lower premium.
Can my bill payment history affect my rates?
Billing history is one of the elements of credit history we review to determine an insurance score. Factors other than bill payment history could cause your insurance score to be higher or lower.
Do I qualify for discounts if I stay claim-free?
Typically, your premium can increase based upon the number of claims you have made in the last three years. Being claim-free for five years or more can qualify you for a discount on your homeowners insurance.
Does raising my deductible reduce my monthly payments?
A higher deductible can decrease the premium you pay. The more you are willing to pay to repair damage to your home and property, typically the less you will pay to insure it.
What are the benefits of insuring my car and home with Allstate?
Insuring both your home and auto with Allstate could decrease the premium for your homeowners insurance by up to 15% (in addition to the decrease you will see on your auto insurance premium).
How much can I save by adding protective devices to my home?
If you have smoke detectors, fire extinguishers, dead bolts, or a security or alarm system in your home, you may qualify for a 15% savings on your premium.
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Why Choose Allstate

Allstate is the smarter choice for homeowners insurance.

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Why Allstate Is The Smarter Choice

Comprehensive Claim Support
With one of the largest teams of claims professionals in the country, submitting a home insurance claim is as simple as picking up the phone or going online.

Live Support from Local Agents
Call 1-800-ALLSTATE (1-800-255-7828) or use Allstate's agent locator to get in touch with a licensed insurance professional in your area.

Great Discounts
You can save up to 35% on home insurance with our Auto/Home Discount. There are great ways for condo owners and renters to save, too.

Easy Relocation
We know how hectic it gets during a move, which is why we're ready to help you determine the right insurance coverage for your new place and answer any of your questions.

Customized Coverage
Whether it's homeowners insurance, renters insurance, condominium insurance, landlord insurance, manufactured home insurance, flood insurance or a personal umbrella policy, we have the right type of coverage to help protect you and your personal property. If you want to learn more about the coverage and features available in your area, contact an Allstate agent today.

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