Homeowners coverage & policies

Overview
Coverage & policies
Flood InsuranceHostAdvantage®Mobile homeOptional coveragePersonal umbrella policy
Homeowners extrasHomeowners discounts

Find a plan that fits your home

No two homes are alike. That's why we'll work alongside you to find the Allstate home insurance plan that works for you. Get an idea of your options below.

Deductibles and limits

Before choosing a home insurance policy, it's important to understand what these terms mean.

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come home to quality protection

Take a closer look at Allstate home insurance coverage — it's easier than ever to get the peace of mind you deserve.

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Types of home insurance coverage

  • Dwelling coverage

    This covers the physical structure of your home, like walls and roof.

  • Liability protection

    If you damage someone else's property or if someone sues or files a claim against you after being injured on your property, this helps keep you covered.

  • Personal property coverage

    Protects the objects inside your home or garage, like furniture or bicycles, even if they're damaged or stolen outside the house.

  • Guest medical protection

    This insurance covers the costs of medical expenses for someone who's injured on your property.

Optional coverage

A standard Allstate homeowners policy might not quite cover all the things you love in and around your home. That’s why you have the option to add additional coverage for your jewelry, yard and garden, sports equipment, musical instruments and more.

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Other types coverage and policies

  • Personal umbrella policy

    If you reach the liability limit on your property policy, this helps protect you against large liability claims.

  • Manufactured/mobile home insurance

    Similar to homeowners insurance, this type of policy keeps your manufactured or mobile home covered.

  • Flood insurance

    Your Allstate agent can help you purchase flood insurance² through the National Flood Insurance Program (NFIP).

How to read your policy declaration

After you purchase your policy, you'll receive a policy declaration outlining your coverage.
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¹NOT AVAILABLE IN EVERY STATE. HostAdvantage feature is optional and provides enhanced personal property protection as an endorsement to an Allstate® Homeowners or Condo policy. Subject to terms, conditions, limitations and exclusions. Limited availability. Allstate Vehicle and Property Insurance Co., Allstate Property and Casualty Insurance Company & its affiliates.
²Subject to National Flood Insurance Program terms, conditions and availability. The National Flood Insurance Program (NFIP) is managed by the Federal Emergency Management Agency (FEMA), a component of the U.S. Department of Homeland Security (DHS). NFIP flood policies are underwritten by the federal government and sold and administered by private insurance companies like Allstate through the Write Your Own (WYO) Program.
Excess Flood Insurance coverage may currently be available in your state. 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 coverage is available in your area.
NOT AVAILABLE IN EVERY STATE.
Potential savings, discounts, and product availability vary by state and product line. Prices vary by several factors, which may include based on how you purchase the policy. Coverage is subject to policy terms & conditions. Allstate North American Ins. Co. & affiliates: Northbrook, IL.