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Homeowners Coverage & Policies

Find a plan that fits your space.

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

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Deductibles and limits

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

Learn more about deductibles and limits

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Get quality protection for your home.

Take a closer look at Allstate home insurance and all that it could cover today.

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Standard types of homeowners insurance coverage

Dwelling coverage
Covers the physical structure of your home, like the walls and roof
Personal property coverage
Covers the belongings inside your home, like furniture or bicycles, even if they're damaged or stolen outside the house
Liability protection
Defends and covers you if someone sues or files a claim against you after being injured on your property or you damage someone else's property
Guest medical protection
Covers the cost of medical expenses for someone who's injured on your property

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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, like yard and garden insurance, musical instruments insurance and more.

See optional coverages

Other types of coverage and policies

Personal umbrella policy
Protects you against large liability claims when you reach the liability limit on your property policy
HostAdvantage®
Covers your belongings when you're home-sharing1
Manufactured/mobile home insurance
Covers your manufactured or mobile home
Flood insurance
An Allstate agent can help you purchase flood insurance2 through the National Flood Insurance Program (NFIP) to help recover faster from damage due to flooding

Get the tools to better understand your coverage.


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How to read your policy declaration.

After you purchase your policy, you'll receive a policy declaration outlining your coverage.

Learn more about policy declarations

Related resources

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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. © 2019 Allstate Insurance Company

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. © 2019 Allstate Insurance Company, Northbrook, IL.

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.

Insurance, coverage and discounts are subject to terms and conditions, which may vary by state. Exclusions may apply. Discount amounts and total savings will vary. Policy issuance is subject to qualifications. Allstate Insurance Company, Allstate Indemnity Company, Allstate Fire and Casualty Insurance Company, Allstate Vehicle and Property Insurance Company, Allstate Property and Casualty Insurance Company, Northbrook, IL. © 2018 Allstate Insurance Company, Northbrook, IL.

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