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Overview of homeowners insurance
Allstate® home insurance helps protect your house and what's inside with coverages for your dwelling, personal property like furniture and electronics, and liability. It also includes additional living expenses if a covered loss makes your home uninhabitable. Allstate home insurance is more than quality coverage for your space. With access to innovative tools and money-saving discounts, it's easy to make sure you're covering all your bases.
What is homeowners insurance?
Homeowners insurance is designed to give you financial protection when the unexpected happens, such as fire, theft or certain natural disasters. A standard policy also includes liability coverage, which can help if someone is injured on your property or if you accidentally cause damage to someone else’s property.
With Allstate, you can customize your coverage to fit your needs and enjoy peace of mind knowing your home and belongings are protected.
What does a homeowners policy cover?
It depends where you live, but standard homeowners insurance policies will typically help pay to repair damage caused by certain risks or perils, including:
- Theft
- Fire and smoke
- Windstorm or hail
- Falling objects
- Frozen plumbing
- Water damage from plumbing, water heater, appliances and heating or cooling systems
What does a home insurance typically not cover?
Generally, exclusions include:
- Flood
- Earth movement
- Business pursuits
- Water back-up
- Wear and tear issues
- Damage from lack of maintenance
- Freezing if heat is not properly maintained
- Events that occur while the home is under construction, vacant or unoccupied
See policy for full exclusions.
Learn about affordable homeowners insurance
What home insurance coverage is available in your state?
Home insurance can vary from state to state. Learn what a typical homeowners policy could help cover in your state.
How to start insuring your home
Choose your coverage
No two homes are alike. You and your agent will work together to design an insurance policy that fits your place.Apply for a policy
We help make the process quick and easy, so you can start protecting your home as soon as possible.Stay protected
As your life changes, so do your home insurance needs. An Allstate representative will work with you to help make sure what you love is covered.
Coverage for other types of property
How can an agent help protect your home?
They work to understand your unique needs so they can help you get the coverage that fits your life and home. Specifically, Allstate agents can:
- Explain your home insurance coverage options
- Find discounts to save on your home insurance premium
- Help you understand the home claims process
- Help protect your family's future with life insurance which can help you pay off your mortgage.