As you move into your new rental and look into insurance policies, consider Allstate renters insurance for coverage. The company has close to 90 years of industry experience, provides 24/7 customer service, and offers a variety of products and services to customers.
Quartz Advisor Reviews Team has created this Allstate renters insurance review to take an in-depth look at the company’s coverage, pricing, and benefits. Keep reading to determine if Allstate offers the best renters insurance coverage for your needs.
Allstate Renters Insurance Review
Pros & Cons
Discover the costs and benefits of getting renters insurance with Allstate:
How Much Does Allstate Renters Insurance Cost?
Allstate renters insurance costs about $16 per month, according to the company’s website. Quartz Advisor Reviews Team wanted to confirm that rate, so we requested an insurance quote for a one-bedroom apartment in Raleigh, North Carolina:
Cost of Allstate Renters Insurance
| Coverage Type | Range of Coverage |
| Personal Property | $25,000–$150,000 |
| Loss of Use | No limit |
| Liability | $100,000–$500,000 |
| Medical Payments to Others | $1,000–$5,000 |
Your Allstate renters insurance deductible could be $250, $500, or $1,000.
To see how your policy would compare to the average Allstate price, have this information on hand to get a free quote:
- Name
- Address
- Security features
- Date of birth
- Number of tenants in a unit
- Number of units in the building
- Employment status
- Number of pets
Allstate Renters Insurance Discounts
Allstate has five renters insurance discounts:
- Multi-policy discount—You can get a discount for purchasing both renters and auto policies from Allstate.
- Safe home discount—If you have certain safety features in your rental, like fire alarms and security systems, you can save up to 15% on your policy.
- Easy pay plan—If you set up automatic payments for your policy, you will save 5% on your policy.
- 55 and retired discount—If you’re retired and at least 55 years old, you can save 25% on your policy.
- Claim-free discount—If you have never filed a renters insurance claim, you can save up to 20% on your policy. That amount will increase each year you stay claim-free.
Allstate Renters Insurance Coverage
Allstate is not clear about all of the events it will cover under a renters insurance policy, but here a few that were mentioned on the website:
- Theft
- Vandalism
- Fire and smoke
- Water damage from your water heater, plumbing, furnace, or air conditioning
Like many other renters insurance policies, you’ll receive coverage for the following areas:
1. Personal Property Coverage
To get protection for the exact amount your personal belongings are worth, take an inventory of your items, and use Allstate’s tool to estimate their value. Allstate will then allow you to choose between a replacement cash value (RCV) or actual cash value (ACV) policy. RCV policies are more expensive, but you get to replace your damaged items with new ones. ACV takes into account depreciation to calculate how much the item is worth now.
In the quote we received from Allstate, it offered $15,000 (Basic Plan), $25,000 (Standard Plan), and $40,000 (Enhanced Plan) for personal property coverage.
2. Loss of Use Coverage
When an event puts you out of your rental temporarily, your renters insurance will cover living expenses, like staying in a hotel room or renting another property.
3. Liability Coverage
If you are held accountable for an incident that caused property damage or bodily injury to someone, your policy will cover the costs. An example of this may be if your pipes burst and damaged the belongings of your downstairs neighbor.
In our Allstate quote, it offered $100,000 (Basic Plan/Standard Plan) and $300,000 (Enhanced Plan) for liability coverage.
4. Coverage for Medical Payments to Others
Your policy will cover guest medical coverage up to a certain amount if they’re injured in your home.
In the quote we received, Allstate offered $1,000 per person for medical payments to others.
Here are the available amounts you can take out for each coverage type in your policy, according to sample North Carolina information our team submitted:
Allstate Range of Coverage
| Coverage Type | Range of Coverage |
| Personal Property | $25,000–$150,000 |
| Loss of Use | No limit |
| Liability | $100,000–$500,000 |
| Medical Payments to Others | $1,000–$5,000 |
Allstate Optional Coverage
You can add these items onto your Allstate renters insurance policy for an additional cost:
- Extended coverage on jewelry, watches, and furs—This increases the personal property protection for more expensive items.
- Scheduled personal property—This allows you to get more protection for items, like engagement rings, that have already been appraised.
- Identity theft restoration—This coverage helps with legal fees and lost work when your identity is stolen.
- Increased coverage on business property—If you keep business documents or other business-related materials at your home, you can cover them with this add-on.
- Uninsured/underinsured motorist—This add-on protects you when you’re in an accident with an at-fault driver who doesn’t have liability coverage or their liability coverage is too low. This coverage is only available in some states.
Allstate also offers two other insurance policies that have to be purchased separately but can supplement your renters insurance:
- Flood insurance—Renters insurance typically only covers water damage from plumbing problems, which leaves you vulnerable to water damage from flooding. If you live in a flood zone, you can increase your water damage protection with flood insurance.
- Personal Umbrella Policy (PUP)—PUP kicks in when your personal liability maximum has been reached, giving you extra liability coverage for larger accidents.
State Availability of Allstate Renters Insurance
Allstate Renters insurance is available in all 50 states, so no matter where you are located or plan to move, you will be able to get coverage. Click on your state below to discover more providers in your area:
Alabama | Alaska | Arizona | Arkansas | California | Colorado | Connecticut | Delaware | Florida | Georgia | Hawaii | Idaho | Illinois | Indiana | Iowa | Kansas | Kentucky | Louisiana | Maine | Maryland | Massachusetts | Michigan | Minnesota | Mississippi | Missouri | Montana | Nebraska | Nevada | New Hampshire | New Jersey | New Mexico | New York | North Carolina | North Dakota | Ohio | Oklahoma | Oregon | Pennsylvania | Rhode Island | South Carolina | South Dakota | Tennessee | Texas | Utah | Vermont | Virginia | Washington | West Virginia | Wisconsin | Wyoming
Customer Service and Claims Support
Allstate operates through agents around the country, so your local agent should be your first point of contact for quote and policy questions. However, you can call Allstate’s main customer service line at 800-255-7828. Allstate also has an online quote tool that allows you to get an instant quote and purchase a policy in under 10 minutes without talking to a company representative.
Allstate holds an A+ rating with the Better Business Bureau, and customers have left both positive and negative reviews. However, because the BBB profile is for the entire company, only a handful of reviews are specifically Allstate renters insurance reviews.
If you want to file a claim, you can log into your account online, use the mobile app, or call the Allstate claims center at 877-810-2920.
Customer Reviews
Although Allstate is not accredited or rated by the Better Business Bureau (BBB), we were able to use reviews left by real customers to influence our rating of the provider. Here are some of the reviews we found helpful:
Gayle L said:
“We had a loss this summer due to a storm, and our experience with the claims process was pleasantly surprising – it was handled right away by a qualified adjuster, and all of our claim reimbursement was reasonable in the amount of settlement and paid quickly.”
Marissa G said:
“We have always had a good experience with ALLSTATE. Only had to file one claim in the past 10 years or so but it was fixed and paid for. Staff have been friendly and no complaints!”
Margaret F said:
“Horrible business. I was overcharged by 180$ a month before my premium was due. I was given the runaround and treated like dirt by their agents, I was lied to, misled and now have to suffer with their horrible abuse of the system. You’re NOT in good hands with ripoff Allstate.”
Our Conclusion
Allstate has been in business for close to 90 years, and although it is a national company, you can still get that small-company feel with local agents providing assistance for all your renters insurance needs. Allstate coverage is also customizable, allowing you to choose whether you want RCV or ACV personal property protection and whether you want extra protection for other items in your home.
To see if an Allstate policy fits into your budget, get a quote by using the online tool or by calling your local agent. We recommend getting quotes from other renters insurance providers to compare coverage and pricing:
If you’re not sure whether Allstate is right for you, compare it to other top-rated renters insurance companies below.
Compare Renters Insurance Companies
| Companies | Allstate | Lemonade | Nationwide |
| Get a free quote | Not available through Quartz Advisor | Visit site | Not available through Quartz Advisor |
| Known for | Multiple discounts | Giveback program | Credit card coverage in basic policy |
| Monthly price | About $16 | As low as $5 | About $20 |
| Customer service | 24/7 | Online | 24/7 for claims; limited for sales and service |
| BBB rating | A+ | B+ | A+ |
Company Overview
- Company Name: The Allstate Corporation
- CEO: Tom Wilson
- Years in Business: 89
- State Availability: 50
- Address: 901 S State Street
- City/State: Lockport, IL
- Zip Code: 60441
- AM Best Financial Strength Rating: A+
*AM Best ratings accurate as of August 2023
Frequently Asked Questions
How long does it take for renters insurance to kick in?
Most renters insurance companies allow you to start coverage the day after you get a free quote and purchase a policy.
What is the contract term for Allstate renters insurance?
Most renters insurance policies, including ones from Allstate, last one year. After the contract term is up, you can choose to renew or cancel your policy.
What happens if I’m late with a payment?
Missing or late payments could result in a lapse of coverage or termination of your policy. If you missed a payment, or are late with a payment, contact your Allstate agent or call 877-810-2920.
Our Rating Methodology
