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Optional Coverage

Get coverage that fits your home.

Allstate offers a variety of different coverage options to help protect what makes your home unique. In addition to standard home insurance coverage, you can choose from all kinds of optional coverage to better protect the things you love most.

An Allstate agent sits at a table showing customers information on a tablet.

Learn about adding optional coverage.

Talk to an agent to see what optional coverage you may want to add to your home insurance policy.

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Choose the optional coverage that works for you.

Here's a look at coverage options you can add to your homeowners policy.

Identity theft restoration
Covers the cost of legal fees, lost wages and other related costs if your identity is stolen
Water backup
Covers water damage caused by your drain backing up or sump pump breaking
Scheduled personal property
Covers valuable appraised items like engagement rings or antiques
Business property
Increases limits for business-related items stored in your home, like inventory
Sports equipment
Increases coverage for expensive gear like golf clubs, ski equipment and more
Green improvement reimbursement
Covers the additional cost of replacing damaged or destroyed covered items with more energy-efficient items
Yard and garden
Increases the limits for the cost of items like trees, landscaping and riding lawn mowers
Electronic data recovery
Covers the cost of recovering lost personal computer data, like photos or videos
Musical instruments
Increases coverage for items like guitars, violins and more

Related resources

Optional coverages and features are not available in every state.

Insurance, coverage and discounts are subject to terms and conditions, which may vary by state. Discount amounts and total savings will vary. Other terms, conditions and exclusions may apply.
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