Most home insurance policies include standard coverage types to help you protect your home, your belongings and your family. These types of standard coverage usually include:
- Dwelling (home structure)
This type of insurance is what can help protect the physical structure of your home, like the walls and the roof.
- Other structures
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
Personal property coverage can help protect the belongings inside your home, which can include belongings 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 protection
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 protection
This type of coverage can help cover the cost of medical expenses for a person who's injured on your property.
- Additional protection
Standard Allstate homeowners policies include additional protection. One example of this is reimbursed living expenses coverage, which can help cover increased costs of living like hotel stays in the event your home is uninhabitable after a covered loss.
Flood insurance is not typically included on Washington home insurance policies. To help protect your home from flood damage, consider purchasing a separate flood insurance policy.
If you're interested in additional liability protection, personal umbrella insurance can help. With personal umbrella insurance, you can get liability protection beyond your current home and auto policy limits.
With a House & Home policy, you can choose from many types of optional coverage to help protect what matters most to you. Some types of optional coverage you can add may help protect your yard and garden, sports equipment or musical instruments.
Now only Allstate offers these three unique features* together to help protect your rate from going up if you have a claim and reward you by saving you money when you don't. Features like:
- Claim RateGuard® - Helps protect your rate from going up just because you file a home claim.**
- Claim Free Rewards - Get a discount for starting out claim-free, plus money back for every year you don't have a claim.
- NEW! Deductible Rewards for Home - Get $100 off your home deductible when you sign up, plus an additional $100 off each year you don't have a claim - up to $500.***
Claim or not, Allstate House & Home Insurance can help protect you and save you money.
Find an agent to learn more about additional policies and optional coverage that could help protect you and your home in Seattle, Spokane, Tacoma, Olympia and beyond.
Allstate is dedicated to providing you with more than just quality home insurance coverage. You'll have the support of a local Washington agent who can:
Find an agent to learn more about the benefits of Allstate Washington home insurance.
In the Evergreen State, quality home insurance from Allstate is more affordable than you might think. You can also take advantage of many home insurance discounts that can help you save on your home insurance premium.
Learn more about Allstate home insurance discounts.
