Allstate Homeowners Insurance
Allstate
4.2
Avg ~$1,769/yr. 30+ discount categories. Claim RateGuard. Accident forgiveness for home.
Editorial score
4.2 / 5
Product type
home insurance
Our take
Allstate has the most discount categories of any major home insurer — over 30 ways to save including loyalty, claims-free, welcome & loyalty, new homebuyer, and protective device discounts. Claim RateGuard prevents rate hikes after a first claim.
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Full details
| best for | Homeowners who want many ways to lower their premium |
| am best rating | A+ |
| jd power score | 829 |
| headline metric | From ~$147/mo |
| home value tier | standard |
| secondary metric | 30+ discount categories |
| states available | All 50 states |
| bundling discount | up to 25% |
| avg annual premium | 1769 |
| avg monthly premium | 147 |
| discount highlights | Claim RateGuard, welcome & loyalty, protective device, new homebuyer |
Frequently asked questions
What should I compare besides premium for Allstate Homeowners Insurance?
Look at coverage limits, deductibles, exclusions, and customer service reputation. The cheapest quote is not always the best value if coverage is weaker.
Is Allstate Homeowners Insurance right for me?
Allstate has the most discount categories of any major home insurer — over 30 ways to save including loyalty, claims-free, welcome & loyalty, new homebuyer, and protective device discounts. Claim RateGuard prevents rate hikes after a first claim.
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Verified Apr 2026
Allstate Homeowners Insurance