Home Insurance
What Are My Coverage Options?

Whether you rent or own your home, you've got a wide range of property insurance products and coverages* to choose from at Allstate.

First

Understand which coverage elements are common among all Allstate property insurance policies:

• Personal Property. To protect movable personal property, mostly within your home.  Certain coverage limits apply.
• Family Liability Protection. To pay for covered damages which you're legally obligated to pay.
• Guest Medical Protection. To pay medical expenses for your guests who are accidentally injured on your property as a result of a covered loss.
• Additional Living Expenses. To pay the reasonable increase in living expenses if your home becomes uninhabitable after a covered loss.

Second

Consider which policy is right for your living situation:

• House 
• Condominium 
• Mobile Home  
• Renter 

Third

Personalize your policy with additional coverages such as:

• Replacement Cost Coverage. For many of your contents (subject to applicable underlying policy coverage limits).
• Scheduled Personal Property Coverage. With increased protection for your personal property including, but not limited to: jewelry, watches, furs, stamp and coin collections, fine arts, computers, cameras and sports equipment.
• Increased Building Code Coverage. For example, if your home is damaged or destroyed you'd need protection to bring it up to today's code standards as it is repaired.
• Portable Cellular Communication Systems Coverage.
• Satellite Dish Antennas Coverage.
• And many more! See your Allstate agent for more information on the Optional Coverages  available in your state.

Finally

Since most Homeowners, Condominium, Mobile Home,^* or Renters Insurance Policies don't cover a flood, find out if you're eligible for a Flood Insurance Policy. 

To get a quote, go to the Get a Quote tool at the top right hand side of this page.

Learn more about Home Insurance in  Tools & Resources.