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Homeowners Insurance Made Simple

Learn about the key parts of a homeowners insurance policy.

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Need More Protection?

Below are just a few of the optional coverages that you may be able to purchase either as add-ons to your current policy or as a separate policy. Coverages may not be available in all states and limits may vary.

Available as add-ons to your policy
Look under "Coverages" on your Policy Declarations

Extended coverage on jewelry, watches and furs

Increases coverage for jewelry, watches and furs.

Provides an increased limit for a specific item that typically has a high value and has been appraised, such as an engagement ring or fine antiques.

Identity Theft Restoration

If your identity gets stolen, this coverage can help with legal work, phone calls and lost wages.

Water Backup

Helps cover damage in your home from backed up drains for broken sump pumps.

Increased coverage on business property

Protects items you're keeping in your home as business samples or for sale.

Sports Equipment

Provides extended coverage for sports equipment.

Music Instruments

Expands coverage for musical instruments


Expands coverage for camera equipment

Electronic Data Recovery

Covers up to $5,000 for recovery of lost data from computers, such as years of family photos, videos and music.

Building Code

Covers increased costs due to the enforcement of any building codes, ordinances or laws regulating construction, maintenance or demolition of your home.

Separate policies you can purchase
Look for these policies in a separate mailing

Your Allstate Agent can help you purchase a separate policy through the National Flood Insurance Program (NFIP). Or call 1-800-ALLSTATE.

If someone sues you over an accident and the settlement exceeds the liability limits on your auto and/or home insurance, this coverage can help protect your assets.

This Made Simple content is for informational purposes only. It provides a summary of your insurance to illustrate how insurance works. Please read your Allstate policy for your specific policy details. Coverage subject to terms, conditions, availability and qualifications. Exclusions may apply. Allstate Insurance Company, Allstate Indemnity Company, Allstate Fire and Casualty Insurance Company, Allstate Property and Casualty Insurance Company, Northbrook, IL. © 2017 Allstate Insurance Company, Northbrook, IL.

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