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Landlord Insurance Made Simple at Allstate.


How you will get reimbursed for damage to your rental dwelling.

With Allstate® Landlords Package Policy, there are two ways covered losses can be settled.

Actual Cash Value may be lower than the cost to repair or replace your damaged rental
dwelling. You may be required to purchase an Actual Cash Value policy based on the age and
condition of your rental property.

Building Structure Reimbursement typically means your dwelling is covered for more than the
actual cash value--up to your policy limits--if you repair or replace the damaged property
within the required time period. However, your rental property must meet age and condition
requirements to be eligible.

Here's how the Building Structure Reimbursement Provision works:

  • A check is given to you for the Actual Cash Value for the damage to the rental property up
    to the policy limits.

  • When you repair or replace the property within the required time period, we then issue
    a separate check for the remaining amount needed to make the repairs or replacement, up
    to your policy limits.

Refer to your policy for more detailed information.

How to review what you have. If you have an Allstate Landlords Package Policy, you can
review which type of coverage you have by looking at your Policy Declarations. With either
coverage, a deductible will apply.

With Allstate® Landlords Package Policy, there are two ways covered losses can be settled.

Actual Cash Value may be lower than the cost to repair or replace your damaged rental dwelling. You may be required to purchase an Actual Cash Value policy based on the age and condition of your rental property.

Building Structure Reimbursement typically means your dwelling is covered for more than the actual cash value—up to your policy limits—if you repair or replace the damaged property within the required time period. However, your rental property must meet age and condition requirements to be eligible.

Here's how the Building Structure Reimbursement Provision works:

  • A check is given to you for the Actual Cash Value for the damage to the rental property up to the policy limits.
  • When you repair or replace the property within the required time period, we then issue a separate check for the remaining amount needed to make the repairs or replacement, up to your policy limits.

Refer to your policy for more detailed information.

How to review what you have. If you have an Allstate Landlords Package Policy, you can review which type of coverage you have by looking at your Policy Declarations. With either coverage, a deductible will apply.

Questions? Want to make changes to your coverage? Call your local Allstate Agent or 1-800-ALLSTATE.

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