See RatesSecure site · Updated July 2026
- Avg. monthly premium
- $126
- Coverage types
- Home, Condo, Renters, Landlord
- Bundling discount
- Up to 25%
- Availability
- 50 states
Why it stands out
Allstate highlights
- Long menu of stackable discounts on one policy
- Claim RateGuard freezes your rate after a first claim
- HostAdvantage covers belongings during short-term rentals
- Digital locker documents your possessions for faster claims
The verdict at a glance
Pros and cons
Pros
- One of the widest discount lineups in home insurance
- Optional add-ons cover gaps standard policies miss
- Local agents plus a capable mobile app
Cons
- Base premiums start higher, so discounts do heavy lifting
- Some add-ons that should be standard cost extra
- Customer-satisfaction scores land mid-pack
Our full review
Our take on Allstate
Allstate leans hard on savings, layering claim-free, welcome, autopay, and responsible-payment discounts on top of the usual bundle. Its Claim RateGuard add-on keeps your premium from jumping after a single claim, which is rarer than it should be.
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Figures shown are illustrative editorial examples and may change. Confirm current rates, fees, and terms on Allstate’s own site before you apply.
The alternatives
How Allstate compares
Other top-rated insurers in Home Insurance. Compare the numbers side by side before you decide.
| # | Provider | Rating | Avg. monthly premium | Best for | |
|---|---|---|---|---|---|
| 1 | Lemonade | $92 | Renters and homeowners who want it digital | Get Quote | |
| 2 | State Farm | $118 | Owners who want an agent down the street | See Rates | |
| 3 | Amica | $134 | Owners who prize claims-handling quality | Get Quote | |
| 4 | USAA | $108 | Military members and their families | See Rates |
- Lemonade4.9Best for Renters and homeowners who want it digital
- State Farm4.7Best for Owners who want an agent down the street
- Amica4.4Best for Owners who prize claims-handling quality
- USAA4.3Best for Military members and their families