Protect the heart of your home.
Living in Missouri, you can never predict the weather. Learn how a House & Home® policy can help protect it from the inside out.
Types of coverage
Take a closer look at what's usually covered by a House & Home policy in Missouri.
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
Additional optional coverage
You might want to add optional coverages to your House & Home policy to protect some special items in and around your home.
Enhanced personal propertyHelps protect your personal property for any reason unless specifically limited or excluded.
Functional replacement costIf your home is built prior to 1940, you have the ability to select common or standard construction type replacement materials instead of original to help lower your premiums.
Service linesProvides coverage for the cost associated with excavation, replacement and repairs when there is damage to a service line — such as drainage or electrical — on your property.
HostAdvantage⁴Provides coverage and enhances protection for your personal property if it is stolen or damaged by temporary renters.