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Types of Home Insurance Coverage

Quality Homeowners Insurance You Can Count On

An Allstate homeowners insurance policy helps cover a number of risks that may affect your home, your belongings and your family. An Allstate agent can help explain how home insurance may help cover:
  • The physical structure of your home
  • Detached structures, such as your shed or garage
  • The belongings inside your home
  • Liability claims against you or your family
In addition, Allstate offers many optional types of insurance coverage to help further protect what matters most.

See details about homeowners insurance coverage in your state.

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A suburban home.

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When it comes to protecting your home, quality coverage makes all the difference. Allstate home insurance can help take care of what matters to you.

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Standard Types of Homeowners Insurance Coverage.

Taking the time to understand what types of homeowners insurance coverage are included in your policy can help you understand what it helps protect. Most Allstate home insurance policies include standard coverage, like:

  • Dwelling coverage
    This type of insurance is what can help protect the physical structure of your home, like the walls and the roof.
  • Other structures coverage
    This type of insurance can help protect the physical structure of buildings on your property that are separate from your home, such as a shed or a stand-alone garage.
  • Personal property coverage
    Personal property coverage can help protect the belongings inside your home, which can items like furniture, bicycles, stereos and more. If these belongings are stolen or damaged outside of your home, personal property coverage could also help you replace them.
  • Liability coverage
    Liability insurance can help protect you if someone makes a claim against you or sues you for damages after being injured on your property.
  • Guest medical coverage
    This type of coverage can help cover the cost of medical expenses for a person who's injured on your property.
  • Additional living expense coverage
    This coverage may help you pay for increased living costs like hotel stays in the event your home is uninhabitable after a covered loss.

Explore Additional Coverage Options

You can choose from many different optional types of coverage to help protect your home, your belongings and your family beyond the standard home insurance coverages. An example of an optional coverage you could choose is identity restoration coverage, which can offer added protection in the event your identity is stolen.

You can add optional coverage to your homeowners insurance policy, but you can also purchase separate insurance policies that offer more protection. Flood protection is not included in most home insurance policies, so to help protect your home against floods, you'll likely need to purchase flood insurance. You can also get liability protection beyond your current home and auto policy limits with personal umbrella insurance.

The homeowners insurance coverages and other policies you choose will depend on the type of protection you want. Find an agent to discuss your options and understand what your insurance can cover.

Common And Costly Claims In Your Area

When you're selecting the coverage you want on your homeowners policy, it can be helpful to know what common claims homeowners near you have filed. Understanding what those claims are can help you see what types of risks your home might be susceptible to, so you can consider adding coverage to your policy that can help protect against those risks.

Launch Allstate's Common & Costly Claims tool

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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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