Keep your space safe in every season.
Most of the year, your home in Illinois is exposed to the elements. Learn how a House & Home® policy can help protect it from the inside out.
Types of coverage
Here's what's typically covered by a House & Home policy in Illinois.
Protects the structure of your house, such as the roof and walls
Personal property coverage
Protects what's inside your home, like furniture, even if it's damaged or stolen outside the house
Protects the physical structure of buildings on your property separate from your home, such as a detached garage
Defends and protects you if a person sues you after being injured on your property or after you damage their property
Guest medical protection
Pays medical expenses for someone who's injured on your property
Additional living expenses protection
Covers increased expenses if your home is uninhabitable after a covered loss
Claim RateGuard®Helps keep your rate from increasing just because you file a home insurance claim²
Claim-Free RewardsGives you a discount for switching to Allstate without any recent claims, plus 5% back for every year you don't have a claim
Deductible Rewards℠Gives you $100 off your home deductible when you sign up, plus an additional $100 off each year you don't have a claim — up to $500³