King & I, a unique way to get all your Insurance needs!
Get a grip on your credit position with your credit report & credit score!
With personalized analysis and tips, you'll know what factors are influencing your
credit rating and what you can do to improve it!. CLICK HERE TO ORDER NOW!

Insurance Products
Home Insurance

Why do I need this insurance?	What are my coverage options?
What should I consider?	What about discounts and savings?
How do I choose the right company?	How can I get a quote?

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
  Provides protection against covered loss to movable property like a stereo, bicycle, furniture or clothing. Most homeowners' policies set aside special coverage limits for certain items or categories of property like jewelry, money and securities. You can increase the coverage limits for these and other possessions by selecting optional coverage with an endorsement or amendment to your base policy.
• Family Liability Protection
  Provides protection for insured persons who become legally obligated to pay for covered accidental bodily injury or property damage to others. This protection does not cover auto liability claims.
• Guest Medical Protection
  Provides protection for your guests, who are accidentally injured on your property as a result of a covered loss. This protection pays for the reasonable and necessary medical expenses they incur, regardless of who was at fault.
• Additional Living Expenses
  We'll pay the reasonable increase in living expenses necessary to maintain your normal standard of living when a direct physical loss we cover makes your residence premises uninhabitable for up to the amount of time specified in the policy. This may include payments for the additional costs of a place to stay, food and other increased living expenses.

Secondly, consider which policy is right for your living situation:

• House
• Condominium
• Mobilehome
• Renter

Finally, personalize your policy with optional coverages such as:

• Replacement Cost Coverage The building structure defined on your Policy Declarations, where the named insured resides and is principally used as your private residence. Protection for your home from many perils (Exceptions: Renters and Condominium Policy)
• Increased protection for your personal property including, but not limited to: jewelry, watches, furs, personal computers and electronics…
• 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. Check back soon for more property insurance details as more states become available for quotes online!

Back to | I'm buying a home | I've got a condominium | I've got a mobilehome | I'm renting |

What are my coverage options?  House

Your property policy will include these coverages:

• Dwelling Protection The building structure defined on your Policy Declarations, where the named insured resides and is principally used as your private residence. Protection for your home from many perils (Exceptions: Renters and Condominium Policy)
• Protection for Other Structures Protects an insured's structures which are separated from the dwelling by a clear space. Protects structures like a detached garage, storage unit, fence, gazebo…(Exceptions: Renters and Condominium Policy)
• Personal Property Protection
• Family Liability Protection
• Guest Medical Protection
• Additional Living Expenses and other Additional Protection

You can also choose the level of protection that's right for you:

• Deluxe Plus Homeowners: For private homes. The most comprehensive coverage we offer.
• Deluxe Homeowners: For private homes. Excellent protection, but less coverage than Deluxe Plus.
• Deluxe Country Homeowners (not available in all states): If your home is on a mini-farm, this may be an option.
• Standard Homeowners: Coverage for those homeowners who don't need more extensive protection.

You may also consider:

 Is there a disparity between the market value and replacement cost of your dwelling? Allstate has two additional property insurance options.

• Deluxe Select Value Homeowners-For private homes. Excellent coverage for those homes where a disparity existes between the market value and replacement cost.
• Standard Select Value Homeowners-For private homes. Good coverage but less extensive than Deluxe Select Value.

And

• Residential Fire:
  Good coverage, but less comprehensive than a homeowner's policy. Less extensive coverage than the previous options. Does not provide liability coverage.
• Landlords Package Policy:
  Designed for a non-owner-occupied 1-4 family unit rental property.
• Allstate Indemnity Company offers property insurance products for homeowners who, for example, have prior loss experiences, live between 5 and 15 miles from fire protection or possess an unsatisfactory credit rating.

You can personalize your policy with optional coverages such as:

• Building Structure Reimbursement Extended Limits endorsement*
• Building codes coverage**
• Increased coverage on business property
• Increased coverage on electronic data processing equipment (Such as a computer).
• Fire Department charges
• Loss assessment coverage
• Extended coverage on money, securities, jewelry, watches and furs
• Incidental Office, Private School or Studio coverage
• Lock replacement coverage**
• Business pursuits coverage
• Satellite Dish Antennae coverage
• Cellular communication systems coverage (Such as cellular phones and cellular fax machines)
• Scheduled Personal Property
• Increased coverage on theft of silverware
• Earthquake coverage

See your Allstate agent for more information and qualification details on the optional coverages available in your state.

*In many states we'll pay up to 120% of the Dwelling Protection coverage limit indicated on your Policy Declarations to repair, rebuild or replace your dwelling after a covered loss. Note: the percentage Dwelling Protection Coverage limit that we'll pay may vary in some states.

**In some states, these two optional coverages may be included in the base property policy.

Back to | I'm buying a home | I've got a condominium | I've got a mobilehome | I'm renting |

What are my coverage options?  Condominium

Your condominium policy will include these coverages:

• Personal Property Protection
• Family Liability Protection
• Guest Medical Protection
• Additional Living Expenses and other Additional Protection

 You may also consider purchasing:

• Building Property Protection: Condo owners are responsible for insuring their units. The Association  typically is responsible for the exterior of the units and the association's property.
• Loss Assessment Coverage: Pays for your share of expenses for a covered loss, up to your policy limits, when your association requires an assessment on all unit owners for certain covered losses.

You can personalize your policy with optional coverages such as:

• Increased coverage on Business Property
• Increased coverage on Electronic Data Processing Equipment
• Fire Department Charges
• Extended coverage on jewelry, watches and furs
• Incidental Office, Private School or Studio
• Lock Replacement
• Increased coverage on Money
• Business Pursuits
• Increased coverage on Securities
• Portable Cellular Communication Systems
• Increased Coverage on theft of silverware
• Scheduled Personal Property
• Additional insured persons
• Earthquake Coverage
• Engagement Presents Coverage

*Association. [The management body of the condominium owners collectively.]
Back to | I'm buying a home | I've got a condominium | I've got a mobilehome | I'm renting |

What are my coverage options?  Mobilehome

Your mobilehome policy will include these coverages:

• Mobile Home Protection
• Protection for Improvements
• Personal Property Protection
• Family Liability Protection
• Guest Medical Protection
• Loss of Use of Your Mobile Home

You can choose from two policies:

• Deluxe Policy:
  The more comprehensive policy that protects your mobilehome against loss from almost any hazard, except those losses specifically excluded or limited in the policy.

• Standard Policy:
  Coverage for those mobilehome owners who don't need a more extensive policy.

You may also consider purchasing coverages for:

• Emergency Removal:
  To move your home if an oncoming fire or other insured peril threatens your mobilehome. We'll pay up to $500 to move it to a safer location.
• Trip Collision:
  Consider this option when moving your mobilehome to a new location. Contact your agent prior to your move to obtain this protection.
• Fire Department Charges:
  For fire department service charges if your mobilehome is located in an area that's not serviced by a fire department.

You can personalize your policy with optional coverages such as:

• Extended coverage on jewelry, watches and furs
• Additional dwelling rented to others
• Increased Coverage on Radio or TV Antennas
• Scheduled Personal Property
• Additional Insured Persons
• Earthquake (not available in all states)
• Business Pursuits
• Flood (not available in all states)

See your Allstate agent for more information and qualification details on the optional coverages available in your state.
Back to | I'm buying a home | I've got a condominium | I've got a mobilehome | I'm renting |

What are my coverage options?  Renter

Your renter's policy will include these coverages:

• Personal Property Protection
• Family Liability Protection
• Guest Medical Protection
• Additional Living Expenses and other Additional Protection

You can personalize your policy with optional coverages such as:

• Increased coverage on Business Property
• Increased coverage on Electronic Data Processing Equipment
• Fire Department Charges
• Increased coverage on Building Improvements
• Extended coverage on jewelry, watches and furs
• Incidental Office, Private School or Studio
• Lock Replacement
• Increase coverage on money
• Business Pursuits
• Increased coverage on securities
• Coverage for Portable Cellular Communication Systems
• Increased coverage on theft of silverware
• Scheduled Personal Property
• Engagement Presents Coverage
• Earthquake
  

Back to | I'm buying a home | I've got a condominium | I've got a mobilehome | I'm renting |