Homeowners insurance

Allstate® home insurance helps protect your house and what's inside with coverages for your dwelling, personal property like furniture and electronics, and liability. It also includes additional living expenses if a covered loss makes your home uninhabitable. Allstate home insurance is more than quality coverage for your space. With access to innovative tools and money-saving discounts, it's easy to make sure you're covering all your bases.

Homeowners insurance is designed to give you financial protection when the unexpected happens, such as fire, theft or certain natural disasters. A standard policy also includes liability coverage, which can help if someone is injured on your property or if you accidentally cause damage to someone else’s property.

With Allstate, you can customize your coverage to fit your needs and enjoy peace of mind knowing your home and belongings are protected.

It depends where you live, but standard homeowners insurance policies will typically help pay to repair damage caused by certain risks or perils, including:

• Theft
• Fire and smoke
• Windstorm or hail
• Falling objects
• Frozen plumbing
• Water damage from plumbing, water heater, appliances and heating or cooling systems

Generally, exclusions include:

• Flood
• Earth movement
• Business pursuits
• Water back-up
• Wear and tear issues
• Damage from lack of maintenance
• Freezing if heat is not properly maintained
• Events that occur while the home is under construction, vacant or unoccupied

See policy for full exclusions.