Allstate Insurance

Allstate is the nation's largest publicly held personal lines insurer. Today, the insurance pioneer offers a variety of insurance options to help protect families and their belongings.

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9.8
Grand Score
8
User Score
9.8
Grand Score
8
User Score
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Since its foundation over 85 years ago, Allstate has been a pioneer in the insurance market. Customers throughout the United States have trusted the company to protect their loved ones and their belongings for decades. Allstate provides a variety of insurance products, including Allstate Renters Insurance. Renters insurance can help you to protect your possessions in the event that your items are lost or damaged. 

Allstate’s coverage is dependable and very reasonably priced. Local agents are available to provide guidance, in addition to providing quotes. Customer service agents are also available to answer questions, to help assist you in making the best choice when choosing an insurer. 

Grandfolk Scoring
Cost 10/10
Ease 10/10
Coverage 10/10
Waiting period 5/10
Customer support 10/10
Mobile app 10/10
Online quotes 10/10
Discounts 10/10
Payments 10/10
Local agents 10/10
Paperless 10/10
Online policy 10/10
Cost
Monthly fee
Coverage and fees vary; get a quote for more details
Ease
Ways you can enroll
Online or by phone
Coverage
What services are covered
Personal property coverage, liability coverage, and more
Waiting period
Is there a waiting period?
Unclear from website; check with an agent to be sure
Customer support
When can I contact customer service?
Customer support is available 24/7
Mobile app
Is a mobile app available?
Yes, Allstate has a variety of mobile apps available
Online quotes
Are quotes available online?
Yes, Allstate provides quick, online personalized quotes
Discounts
Are discounts available to lower premiums?
Yes, Allstate provides a variety of discounts and offers
Payments
What types of payments are accepted?
Online payments, automatic payments and mailed payment
Local agents
Are local agents available?
Allstate boasts over 10,000 local agents across the U.S.
Paperless
Is there a paperless billing option?
Yes, Allstate offers a paperless option
Online policy
Can a policy be purchased online?
Yes, the purchasing process can be completed online
Age Score:
10
50-65 Years
10
65-75 Years
10
75-85 Years
10
85-Above

Some companies, such as Allstate, recognize that everyone can appreciate a good value. Allstate provides a wide variety of discounts that can help you to save money when you need it most. Though the prices are already competitively low, Allstate offers additional ways to save and help cut your expenses even further. A multi-policy discount is available if you choose to 
add renters insurance to your Allstate auto policy.  You can also save up to 15% if your rental has certain safety devices, such as security and fire alarms. 

If you choose to have your renters insurance payment automatically deducted from your bank account, you will save up to 5% off your monthly premium.Furthermore, if you are over55 and retired, you can take advantage of up to 25% off your monthly premium.  These are only a few of the many discounts available. If you wish to maximize your savings, Allstate is available to help support you every step of the way.

Health Score:
10
Great Health
10
Good Health
10
Fair Health
10
Poor Health

Though not the case for all, many seniors require the help of another person or medical equipment to leave home. Oftentimes, this discourages the desire to venture out, resulting in many seniors failing to complete necessary tasks and errands. Fortunately, Allstate provides an option to meet with a local Allstate agent. This can be done either in a local office or at your home.  

During the visit, you won’t get just an ordinary quote, you will get a conversation. The goal is to help you through the process of insuring and safeguarding your valuables, while making sure you have adequate coverage. Allstate’s mission is to not make you feel as though you are just another number. The goal during the meeting is to get to know you, learn about your life, and understand your needs and your plans for the future. 

Finally, the company provides you with a comprehensive proposal, designed specifically for you, at no extra charge. The specialized service, formally referred to as Allstate Personalized Insurance Proposal, was designed to help provide you with expert advice, while also ensuring the process is delivered as effortlessly as possible.

Pros:

  • Allstate's premiums are very reason platforms inmpetitively priced.
  • Water and sewer damage is inclusive with an Allstate policy. Most companies offer water and sewer damage coverage as an additional endorsement.
  • Immediate access to help is available to online customers through Allstate’s online chat feature. Agents are available to assist during operating business hours. 
  • Allstate offers numerous discount options, including senior discounts and auto-pay discounts. 
  • Allstate is a financially sound company that has earned superior financial stability ratings. Superior financial stability ratings ensure a solid company. 
  • Allstate has a large network of agents across the country.
  • Claims can be reported 24/7 either online, through the mobile app, or by calling to speak with an agent.
  • The online portal allows you to pay a bill, update your policy information, and file and track claims.
  • Allstate has invested considerably in its digital mobile experience. The investment makes it one of the best and most user-friendly online platforms in the industry.
  • Allstate has an online application that allows you to take pictures and quickly complete an inventory of your possessions. The app is available for both tablets and smartphones.

Cons:

  • According to customer reviews, rates vary greatly and can be quite expensive in some locations. 
  • Some local agents have been described as being unhelpful and unprofessional. 
  • Many of Allstate’s reviews express dissatisfaction with the claims process. Customers have left many negative accounts of slow response and failure to communicate during the process, denial of claims, and paying less than expected on claims.

Bottom Line:

Allstate is a financially sound company that has provided unfailing and inclusive coverage for nearly 100 years. Although no company will be a perfect fit for everyone and their unique needs, Allstateis attractive to most, due to its affordable and competitive rates.

In 2015, Fortune named the company one of the “The World’s Most Admired Companies.”
In 2017, Points of Light, the nation’s largest volunteer organization, named Allstate as one of the country's most community-minded companies.

The company has been dedicated to protecting its customers from life's qualmsfor many years, however it is Allstate’s low rates, coupled with its many discounts, that sets it apart from its competitors.

Frequently Asked Questions:

Will the premium increase if a claim is filed?

Filing a claim does not necessarily guarantee a rate increase. Sometimes, even if a claim hasn’t been filed, insurance premiums may go up. Many factors can contribute to changes in rates. If you are concerned about the possibility of rate increases, contact a local agent, or customer service, to answer specific questions. 

When a claim is filed, is proof of ownership needed for stolen or damaged property?

Proof of ownership is always helpful, but not always needed. Having a personal inventory or proof of ownership before a tragedy strikes can be very useful in verifying what’s owned and its worth. Allstate provides a free, downloadable Home Inventory Guide. Additionally, smartphone users can also complete an inventory with the Allstate Digital Locker application. 

Can the status of a claim be monitored?

Yes. Once a claim is filed with Allstate, policyholders can track the process of their claims by going online, or through the mobile app. Customer service can also provide status updates.

More Information:

Product Details

Overview: Allstate is a highly reputable company that provides many types of insurance, including renters insurance.

Package Details:N/A

Optional Accessories or Add-on Services, if any:  N/A

Additional Company Details

Contract Details: N/A

Warranty:N/A

Accreditations: Allstate does not have an accredited business profile with the Better Business Bureau, however, the company maintains an A- rating.  

Company Details: Headquartered in Northfield Township, Illinois, Allstate is the nation's largest publicly held personal lines insurer.The company reports nearly $105 billion in total assets and serves nearly 20 million households nationwide.

Contact: 

Allstate
2775 Sanders Road
Northbrook, IL 60062-6110
Tel: 877-810-2920
Website: www.allstate.com

T. Mashae Pearson - Senior Advisor

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