Homeowner & Renters Insurance

Get coverage designed to protect your home.

Allstate® home insurance is more than quality coverage for your space. With access to innovative tools, money-saving discounts and a local agent, it’s easy to make sure you’re covering all your bases. Read on to see all that Allstate has to offer.

Standard types of homeowners insurance coverage

Dwelling coverage

Covers the physical structure of your home, like the walls and roof

Personal property coverage

Covers the belongings inside your home, like furniture or bicycles, even if they’re damaged or stolen outside the house

Liability protection

Defends and covers you if someone sues or files a claim against you after being injured on your property or you damage someone else’s property

Guest medical protection

Covers the cost of medical expenses for someone who’s injured on your property

Other types of coverage and policies

Personal Umbrella Policy

Protects you against large liability claims when you reach the liability limit on your property policy

Manufactured/Mobile Home Insurance

Covers your manufactured or mobile home

Flood Insurance & Earthquake Insurance

View our Flood and Earthquake Insurance coverages

What Renters Insurance Covers

Allstate® renters insurance protects you and your family in many situations involving the belongings you keep in your rented apartment or home. The four most common risks we typically cover include:

  • Theft
  • Fire and smoke
  • Vandalism
  • Water damage from plumbing, furnace/AC or water heater

The following coverages are part of a standard renters insurance policy:

Personal property coverage

Helps reimburse you if your personal belongings are stolen or destroyed by a fire or other covered peril. It helps cover things like clothing, furniture, your laptop and other electronics – though you may want to opt for scheduled personal property coverage for especially expensive items and collections.

Reimbursed living expenses

Helps pay for your increased living costs if a covered loss makes your rented apartment or home uninhabitable. Those expenses typically include things like food and a temporary place to live.

Liability protection

Helps pay for legal expenses, medical bills and other damages if someone gets injured at your place and sues you.

Guest medical coverage

Helps pay for reasonable and necessary medical expenses, like the cost of X-rays or an ambulance, if a guest is injured in or around your place, even if you’re not at fault.