Insurance
Products
 Home
Insurance
What should
I consider?
- Depending on
where you live: a house, condominium,
mobilehome or an apartment, you'll
probably have different insurance needs.
Your situation is unique and your
insurance should reflect what's right for
you.
- Select the
scenario that best describes your
situation:
What should I consider? I'm buying a home.
You might be
making the move from renting to buying, building
a new home or moving to a new neighborhoodyou'll
make a lot of important buying decisions about
your . In any case, new home along the
waylocation, features… just to name a few.
You'll also need to …price, make some
decisions about insurance. And when you do, here
are a few things you might consider...
Your Home
- How much
would it cost to rebuild my
home at today's prices?
- How can I
make my home safer and
possibly save money?
Your Property
- What would it
cost to replace the contents of
my home?
- Do I have an inventory
and photographs of my personal
possessions?
You and Your
Guests
- What kind of
protection do I have against *liability claims?
- Will my
guests' **medical
expenses be covered if they're
accidentally injured on my property?
Your Coverages
- How can I
personalize my policy with extended
coverage on computers,
silverware, jewelry and more?
- Should I get flood insurance?
- How often
should I reevaluate my coverages?
- How much
should my ***deductible be?
- Do I need or
have reimbursement for additional
living expenses if I can't live
in my home due to a covered loss?
- I'm building
my home, are there additional
coverages available during the
course of construction?
Take the first
step into homeownership by understanding your coverage options.
*Liability
Protection-This typically
provides coverage if you, as an insured person,
are legally obligated to pay damages due to
bodily injury of others or for damage to their
property arising out of a covered loss. For
example, you're playing catch with your friends,
you throw the ball and it inadvertently crashes
through your neighbors' window and breaks
something. The property damage you accidentally
caused may be covered here.
**Guest
Medical Coverage-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.
***Deductible-The portion of a covered
loss that you agree to pay before the insurance
company becomes responsible for payment under the
policy. A larger deductible usually means a lower
premium. For example, if the covered claim is $1,000
and your deductible is $250, you pay $250 and
your insurance company will pay $750. All
coverages are subject to availability and
qualifications. Other terms, conditions and
exclusions apply. This is a brief description of
coverages, it's not a contract. Please read an
Allstate policy for full coverage details.
Back to | I'm buying a home | I've got a condominium | I've got a mobilehome | I'm
renting |
What should I consider? I've got a
condominium.
Owning a
condominium puts you in a unique position. Unique
because you have both common and individual
insurance needs. Odds are, your condominium
association has an insurance policy for common
areas, like the building exterior and walkways.
You're still responsible for insuring your
interests such as your personal property,
yourself from liability and your guest's medical
protection.
Some things to
consider...
Your
Association
- How do I know
how much coverage my
association carries?
- Are there parts
of the building or property they
don't insure?
- What are my
insurance responsibilities?
Your Home
- How much
would it cost to repair the inside of
my home if it were damaged?
- How can I
make my home safer and possibly
save money?
Your Property
- What would it
cost to replace the contents of
my home?
- Do I have an inventory
and photographs of my personal
possessions?
You and Your
Guests
- What kind of
protection do I have against *liability claims?
- Will my
guests' **medical
expenses be covered if they're
accidentally injured on my property?
Your Coverages
- What
additional protection can I get for
special *assessments?
- What additional
protection can I purchase for my
personal property such as: jewelry,
electronic equipment, cellular phones and
other special items?
- How often
should I reevaluate my
coverages?
- Should I get flood insurance?
- Do I need or
have reimbursement for additional
living expenses if I can't live
in my home due to loss?
- I'm getting
married, can I get additional protection
to cover wedding presents and
other personal property I receive?
Enjoy peace of
mind knowing your unique insurance needs are
understood. Discover what discounts are available for condo
owners and how you can get
a quote.
*Assessment-A charge, tax or fine
against all individual condo owners by the
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 should I consider? I've got a
mobilehome.
Just like any
other homeowner, you need to consider
protecting your home, your personal property, and
yourself from liability. Mobilehome owners have
some special considerations too.
Some things to
consider...
Your Home
- What type of
coverage is right for me? *Replacement
cost? **Actual Cash Value?
- Is there any
special coverage I can get for fire
department charges, since my
home isn't serviced by or located near
one?
- What kind of
coverage can I get to help with the cost
of moving my mobilehome to a
safer location if an oncoming fire or
other covered peril threatens it?
- When should I
first begin my coverage if my
home is being transported?
- Should I get flood insurance?
Your Property
- What would it
cost to replace the contents of
my home?
- Do I have an inventory
and photographs of my personal
possessions?
- How can I
personalize my policy with extended
coverage for jewelry and radio or
television antennas?
You and Your
Guests
- What kind of
protection do I have against *liability claims?
- Will my
guests' **medical
expenses be covered if they're
accidentally injured on my property?
- Do I need or
have reimbursement for additional
living expenses if I can't live in my
mobilehome due to a loss?
Your Money
- How will the
coverage limits and deductibles I choose
affect my premium?
- What discounts are
available to mobilehome owners?
- How can I
make my home safer and possibly
save money?
Check with your
local Allstate agent for more information on
the mobilehome coverage and to get a quote.
*Replacement
Cost Coverage-In the event of a covered
loss, you may be reimbursed for the cost you
incur to replace many of your damaged contents
with similar property, brand new. The total
amount you'd be reimbursed is subject to the
terms and conditions of your particular policy,
including applicable deductible and coverage
limits.
**Actual Cash Value-In many states, this means
that in the event of a covered loss, you'll be
paid the current replacement cost of whatever you
lost, minus depreciation. (This generally
includes the estimated wear and tear on the item
damaged or the loss in value of that item because
of aging and use). The total amount you'd be paid
would be subject to the terms of your particular
policy, including applicable deductible and
coverage limits.
Back to | I'm buying a home | I've got a condominium | I've got a mobilehome | I'm
renting |
What should I consider?
I'm renting.
You might think,
"Why do I need insurance, I'm renting?"
Well, even though your landlord probably has an
insurance policy on your building, you'll need to
protect your personal interests too. And…it
only costs a little to protect a lot. Renter's
insurance is less costly than you might
think.
Some things to
consider…
Your Property
- What would it
cost to replace the contents in my
home?
- Do I have an inventory
and photographs of my personal
possessions?
You and Your
Guests
- What kind of
protection do I have against *liability claims?
- Will my
guests' **medical
expenses be covered if they're
accidentally injured on my property?
Your Coverages
- What additional
coverages are available for my
personal property such as: sports
equipment, electronic data processing
equipment, jewelry or other valuables?
- I'm getting
married, can I get additional protection
to cover wedding presents and
other personal property I receive?
Your Money
- Can I save
money if I have my auto insurance
with Allstate too?
- How can I
make my home safer and possibly
save money?
Don't wait another
day to get renters insurance…See what coverage options and discounts may be available too!
Back to | I'm buying a home | I've got a condominium | I've got a mobilehome | I'm
renting |
 
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