Allstate homeowners insurance review (2026): broad discounts, but priced at the high end.

About Allstate homeowners insurance

Allstate is a large national carrier with an extensive discount lineup and a Claim Satisfaction Guarantee in many states. Its base pricing is on the high end, and its complaint ratio runs above the industry average, so the headline rate matters less than the after-discount, bundled number you actually qualify for.

Who Allstate homeowners insurance is right for

Homeowners who can stack Allstate's discounts (bundling, claim-free, autopay) enough to offset its higher base rate, and who want a large agent network.

How much does Allstate homeowners insurance cost?

Allstate homeowners insurance averages roughly $2,202/year (about $184/month) for a standard policy with around $300,000 in dwelling coverage and a $1,000 deductible — above the national average of about $1,915. Homeowners pricing varies enormously by state, dwelling amount, roof age, and claims history, so treat this as a directional benchmark and get a quote for your specific home.

Availability: Nationwide.

Allstate homeowners insurance pros and cons

Allstate’s recent rate filings

The actual rate changes Allstate filed with state insurance regulators — primary-source numbers, not estimates. In the filings we track, Allstate filed 8 home rate changes across 6 states, averaging +1.9% and 34 auto rate changes across 13 states, averaging +0.2%. Each row links to the filing in our rate-filings ledger.

Filed/approved statewide-average changes from each state’s Department of Insurance; a filed average is not your rate — your change depends on your ZIP, coverage, and risk profile, and a cut often reaches new customers before renewals. Not a quote.

Compare Allstate homeowners rates by state

Frequently asked questions