Liability coverage can help protect you if a guest is injured at your place, or if you accidentally damage someone else's property. Updated: October 2019. Qualify for discounts that can make your Allstate renters insurance cost even cheaper. Allstate offers good coverage for renters, and discounts to help people save on their premium. Certain types of belongings, such as jewelry or a coin collection, have limited coverage under a standard renters insurance policy. Both companies score similarly on Financial Strength. When you increase the coverage limits, it gets closer to Allstate’s $15 per month. All decisions regarding any insurance products, including approval for coverage, premium, commissions and fees, will be made solely by the insurer underwriting the insurance under the insurer’s then-current criteria. Allstate My Account application to manage existing Allstate policies online. State Farm offers fewer discounts for renters insurance, while Allstate has more than nearly all of its competitors. Allstate offers a wide variety of coverage levels and add-ons, meaning your premium could cost more if you choose to increase your coverage. Allstate Renters Insurance offers the following types of renters insurance coverage: Guest Medical Protection: This helps visitors who are injured on your property. This coverage helps pay for additional costs you incur because you are unable to live in the home you're renting after a covered loss. Allstate’s average renters insurance policy costs $15 per month, which is the same as the industry average. 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. Similarly, while landlord insurance may offer liability protection for the policyholder, that protection typically does not extend to tenants. Power scores are based on surveys for customer satisfaction and product quality. SUPERS: Personal Property, Liability, Additional Living Expenses. Denise Simmons is insurance licensed in the state(s) of Massachusetts. Or, brush up on more insurance lingo with our glossary. Average premiums are in line with the industry average, Ranks third in overall customer satisfaction, Allstate offers more discounts for renters insurance than its competitors. Do College Students Need Renters Insurance? Allstate has been offering insurance products in the U.S. for the past nearly 90 years. The value of your belongings can quickly add up. Allstate Insurance Company of Canada is one of Canada’s leading producers and distributors of home and auto insurance products. While renters insurance helps protect you and your belongings, keep in mind that it typically does not cover the physical building you're living in. Personal property coverage, a standard component of renters insurance, may help cover the cost of replacing your stuff if it's unexpectedly damaged or destroyed. Overall, Allstate has a good reputation among consumers. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. If you do not reside in the state(s) of Arizona, please go to the Find an Agent section on allstate.com to search for another Allstate Agent or Personal Financial Representative. They offer good coverage options, and you can easily expand coverage with an add-on umbrella policy. The biggest drawback to Allstate is its customer service. When it comes to customer experience, Allstate ranks better than most insurance providers. Power Homeowners Satisfaction ratings. Allstate’s property insurance policies also include home and condo insurance. Specifically, Allstate is one of the only insurance providers that offer a discount for retired people, or those over age 55. HomeInsurance.com, LLC, is a licensed insurance producer resident in North Carolina with license number 020773852, with its principle place of business at 15720 Brixham Hill Avenue, Suite 300, Charlotte, NC 28277. Standard coverage doesn’t include flood insurance, even though it’s the #1 natural disaster in the U.S. Allstate’s average renters insurance policy costs. Nazblith Aniles is insurance licensed in the state(s) of Arizona. Please enter zip code. You can also take advantage of discounts to save a significant amount on your premium. Renters insurance typically includes three types of coverage: Personal property, liability and additional living expenses. Keep in mind, you may have to pay a deductible before your coverage kicks in. The area where Allstate really shines is its discounts. Standard Allstate renters insurance policies cover personal property, reimbursed living expenses, liability coverage and guest medical coverage. Coverage– As there isn’t one company to fit everyone’s needs, we evaluated companies by the amount of coverage options available and add-ons available. If you're renting a house or apartment, you typically have a place to call home until your lease expires. Allstate has a lot to offer in terms of renters insurance since it offers more discounts than its competitors and is near the top of the list for customer satisfaction. It’s also easy to manage your policy online or through the mobile app. However, keep in mind that your claims process may vary depending on the extent of damage. A policy that provides. ​. According to, J.D. Discuss your policy's coverage and limits with your agent to understand what applies to your situation. The purpose of renters insurance is to cover damage or losses you sustain in the event of a fire, break-in or other unforeseen events. Learn more about how we make money. Allstate has five renters insurance discounts: Multi-policy discount—You can get a discount for purchasing both renters and auto policies from Allstate. Subject to terms, conditions, availability & … Confidence– It is extremely important for insurance companies to fulfill customers’ claims. This coverage may help protect you from paying out of pocket for certain costs if you are found legally responsible for injuries to other people or damage to their property. Elizabeth has been featured in The Simple Dollar, Bankrate and Coverage.com, among others. The user agrees that he/she will not use, or permit to be used, Allstate property or any information obtained or derived therefrom in any manner, directly or indirectly, other than in the performance of services for Allstate. Even though their premiums are higher than competitors, customers can take advantage of discounts to lower their rates. To start, you can take an inventory of your belongings so you can properly estimate your coverage needs. Allstate has many different companies that underwrite its renters insurance policies, including Allstate Fire and Casualty Insurance Company, Allstate Insurance Company, Allstate Indemnity Company, Allstate Life Insurance Company and more. It can help cover the necessary medical expenses in an accident, regardless of who's at fault. With Allstate, it's easy to file a new claim or track an existing one. If you’re eligible for several discounts, Allstate might be a good option for you. Elizabeth Rivelli is an insurance writer for Reviews.com. You'll typically find that the lower your premium, the more your deductible may be for each covered loss. Power’s 2020 Renters Insurance Study, Allstate ranked third of all companies considered. Think of everything you own. Allstate renters insurance is just one of the products available, but if you need insurance coverage for a car, boat, motorcycle, off-road vehicle, condo, or even a business, you can get insurance quotes too for those categories. What started as an auto insurance company has grown to one of the largest overall insurance companies and the 6th most popular nationwide. However, remember that coverage limits — the maximum amount your policy will pay for personal property losses — will apply. Allstate offers discounts for bundling renters and auto policies, having home safety features installed, signing up for autopay, having a clean claims history and being 55 or older. You also need liability insurance in case someone is injured on your rental property. Allstate offers a few more renters insurance discounts than State Farm does, while State Farm fared better in a 2015 customer satisfaction survey by an independent ratings agency. Document damaged items in writing, and take photos or videos of the damage, before repair work begins. Student Guide to Renting for the First Time. When purchasing a renters insurance policy, you may have a few different choices when it comes to selecting personal property coverage. But what if your rented home is damaged by fire, for instance, and you're unable to live in it? How much would it take to replace them if they were damaged or destroyed? Allstate Business Insurance protects your business in ways other insurance might not. Contact your insurance agent as soon as possible to report the claim. Find out more Go to … You probably don't expect an accident to occur. Allstate was founded in 1931 and has grown to become the largest publicly held personal lines insurance company in the United States. If you need to file a renters insurance claim, here are some tips to remember to help you through the process. When it comes to customer experience, Allstate ranks better than most insurance providers. The compensation we receive and other factors, such as your location, may impact what ads and links appear on our site, and how, where, and in what order ads and links appear. Before renters insurance helps pay for a covered loss, you'll likely need to pay a deductible. Compared to most competitors, Allstate offers more discounts than others. Personal property coverage can help pay to replace your belongings if they're stolen or damaged by a covered risk. We take pains to ensure our site is accurate and up to date, but some information might be different than what you find by visiting a vendor website. Keep in mind that personal property coverage is usually subject to a deductible. We measured this using AM Best. Allstate scores better than Geico across: Coverage Options, Add-Ons & Discounts, and Customer Service. Read on to learn how each type of coverage works. To make sure you can replace all of your belongings, you should purchase at least as much renters insurance coverage as the total value of what you own. Protect your items from further damage. To compare renters insurance companies across the board, we calculated a Reviews.com score based on the following: *All information accurate as of October 29, 2020. The company is the second largest personal insurer in the United States. In addition to its property insurance, the company offers auto, motorcycle, business and life insurance. This content is for informational purposes only and may not be applicable to all situations. However, the company has more complaints than average with the National Association of Insurance Commissioners. Renters looking to bundle or without recent claims may get the best rate. Power renters insurance study, Lemonade ranked first in overall satisfaction. Ask an agent! But, if your child throws a ball through a neighbor's window or you're held responsible for medical bills after a guest trips and falls in your rented home or apartment, for example, liability coverage may help cover the costs. Allstate renters insurance is a solid offering from one of the largest insurers in the U.S., covering the basics as well as a few useful extras. State Farm: Bloomington, Illinois-based State Farm started out selling auto insurance and now sells renters insurance and about 100 other products. You'll also have a limit, or the maximum amount your insurance will pay. Customers can get. All insurance products advertised on Reviews.com are underwritten by insurance carriers that have partnered with HomeInsurance.com, LLC. Liability coverage is another protection typically included in a renters insurance policy. Because it’s newer to the market, Lemonade’s financial strength hasn’t been rated by AM Best. A standard renters insurance policy typically includes three types of coverage. Please try again. Oops! Allstate is a well-known insurance company with a national presence. Allstate customers can also choose to add identity restoration coverage to their policy for an added fee. If you're renting a home, condo or apartment, this type of coverage can help protect you and your belongings. Talk to your agent about any emergency repairs that may be needed. We apologize for any inconvenience. Allstate renters insurance review. This table breaks down the different types of coverages in a renters insurance policy and what they usually cover. Be sure to read your insurance policy carefully to understand what may or may not be covered. Based on coverages selected. We have based this measure on the NAIC National Complaint Index. Read your policy to understand how much coverage it provides and make sure it fits your needs. Still need help reading your policy? Allstate ranked third. Subject to terms, conditions, availability & qualifications. Allstate also offers insurance for your home, motorcycle, RV, as well as financial products such as permanent and term life insurance. Other factors can also increase your premium, like living in a neighborhood with a high rate of crime or inclement weather. According to J.D. Location data not available. Please see a copy of your policy for the full terms, conditions and exclusions. tbody {background-color: #f8f8f8;}. Creating an, You may also have to decide what kind of personal property coverage to purchase. A renters insurance policy is a group of coverages designed to help protect renters living in a house or apartment. Generally speaking, Allstate’s renters insurance offerings are very similar to what its competitors provide. Both have pros and cons in terms of customer service. Allstate has a lot to offer in terms of renters insurance since it offers more discounts than its competitors and is near the top of the list for customer satisfaction. A typical renters insurance policy includes three types of coverage that help protect you, your belongings and your living arrangements after a covered loss. Allstate customers can file most claims via My Account. Kelli Anderson is insurance licensed in the state(s) of Georgia. Pick something else if highly rated customer service is a must. It offers several insurance products, including renters insurance. Those who live in flood zones can purchase flood insurance through Allstate to supplement their renters coverage. Get the protection you need and the peace of mind you deserve with Allstate insurance. For renters who have valuable items, Allstate offers an umbrella policy to raise coverage limits. Allstate is a great company for first-time renters. At Allstate renters insurance isn’t as expensive as you think. 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