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Allstate Renters Insurance Review 2024
![Sarah Schlichter](https://www.nerdwallet.com/assets/blog/wp-content/uploads/2020/06/Sarah-Schlichter-headshot-square-160x160.jpg)
Lead Writer | Home insurance, renters insurance, pet insurance
Sarah Schlichter is a NerdWallet authority on homeowners, renters and pet insurance. Prior to joining NerdWallet, she spent more than 15 years in digital media as a writer, editor and spokesperson. Sarah enjoys delving into complicated topics and helping readers understand the ins and outs of their insurance coverage. She lives in the Washington, D.C., metro area.
![Caitlin Constantine](https://www.nerdwallet.com/assets/blog/wp-content/uploads/2021/09/Caitlin-Constantine-160x160.jpeg)
Assistant Assigning Editor | Home insurance, renters insurance, pet insurance
Caitlin Constantine is an assigning editor at NerdWallet, focusing on homeowners, renters and pet insurance. She has more than 15 years of experience in digital media, including as the deputy managing editor at The Penny Hoarder and as a digital producer for a 24/7 news station based in the Tampa Bay area. Caitlin enjoys exploring the ways technology can help people become better informed about the world. She currently lives outside Asheville, North Carolina.
Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
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Allstate
4.0
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Pros
- Offers a variety of discounts.
- User-friendly website with many useful features.
Cons
- Received more complaints to state regulators than expected for a company of its size.
Allstate
4.0
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Pros
- Offers a variety of discounts.
- User-friendly website with many useful features.
Cons
- Received more complaints to state regulators than expected for a company of its size.
About Allstate renters insurance
4.0
NerdWallet ratingAllstate renters insurance earned 4 out of 5 stars for overall performance. 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. You can get an Allstate renters insurance policy online or through the company’s network of local agents, who also sell a variety of other insurance policies and financial products.
Our star ratings are based on consumer complaint data from the National Association of Insurance Commissioners; financial strength grades from AM Best; coverage and discounts available; and the overall consumer experience. See our criteria for evaluating renters insurance companies.
Our writers and editors follow strict editorial guidelines that ensure fairness and accuracy in order to help you choose the financial products that work best for you. Here is a list of our partners and here’s how we make money.
Where Allstate stands out
Discounts. Allstate offers plenty of ways to save on your premium.
Broad availability. You can get Allstate renters insurance in every U.S. state and Washington, D.C.
Where Allstate falls short
Customer satisfaction. Allstate draws more consumer complaints than expected, and its renters insurance is rated slightly below average for customer satisfaction in J.D. Power’s 2023 U.S. Home Insurance Study.
State availability
Allstate renters insurance is available in all 50 states and Washington, D.C.
Allstate renters insurance coverage
Landlords sometimes require tenants to purchase a policy with a minimum amount of renters liability insurance, but otherwise, the coverage you choose is generally up to you. Below are the four types of coverage included in most standard renters policies:
Type of coverage | What it does |
---|---|
Covers your clothing, furniture, electronics and other belongings. | |
Pays for hotel stays, restaurant meals or other expenses if you have to live elsewhere while your home undergoes covered repairs. | |
Pays out if you're responsible for injuries to other people or damage to their property. | |
Covers injuries to other people in your home, regardless of fault. |
For more details, see What Does Renters Insurance Cover?
You can also add the following coverage options to your Allstate policy:
Scheduled personal property, which covers expensive individual items, such as jewelry or electronics, that aren’t sufficiently insured by the standard policy.
Identity theft coverage, which covers lost wages, legal expenses and other costs if someone steals your identity.
Replacement cost coverage for personal property, which ensures that if your stuff is stolen or damaged, Allstate will pay enough for you to buy brand-new replacements. (With a standard policy, the company will pay less to reflect the depreciation of older items.)
» MORE: The cheapest renters insurance
Allstate renters insurance rates
Allstate renters insurance costs an average of $168 a year, or $14 a month, according to NerdWallet’s rate analysis. That’s more expensive than the national average of $148 per year. See how a few other large insurers stack up below.
Company | Average annual cost |
---|---|
$115. | |
$168. | |
$188. | |
$203. | |
USAA* | $142. |
*USAA renters insurance is available only to active-duty military members, veterans and their families. |
Discounts
Depending on where you live, you may be able to lower your renters insurance premium by:
Buying multiple Allstate policies.
Signing up for autopay.
Having no recent claims on your record.
Having safety devices or services, such as fire alarms or security systems.
Being retired and at least 55 years old.
Consumer complaints
Allstate had more than the expected number of home insurance complaints to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners. (The NAIC’s home insurance complaints cover a range of policy types, including renters and condo insurance.)
Consumer experience
Website: You can do just about everything on Allstate’s website, such as get a quote, pay your bill, find an agent, and file and track claims. The site’s “Resources” section has useful information on renters insurance.
App: You can pay your bill, access policy details, make a claim, check your home's climate risks and contact your agent through Allstate’s mobile app, available on both iOS and Android.
Claims: You can file and track renters insurance claims on the Allstate website or mobile app. If you’d rather do it by phone, call 800-255-7828 or contact your local agent. After a widespread disaster, you may even be able to file in person at an Allstate mobile claims center.
Customer service: Allstate’s online help center has a chatbot you can interact with. For more personalized assistance, you can send an email through the website, contact your agent, or call 800-255-7828.
» MORE: Allstate auto insurance review
Allstate vs. other insurers
Here’s how Allstate renters insurance stacks up against policies from other popular companies.
Allstate vs. State Farm renters insurance
Allstate and State Farm are two of the largest insurance companies in the country. Both sell renters insurance policies online and through agents. Allstate’s policies are available throughout the country, while State Farm isn’t selling new policies in California, Massachusetts or Rhode Island.
Both companies offer standard policies that you can customize with add-ons for valuable items, identity theft and replacement cost coverage for personal belongings. State Farm agents may also be able to offer other endorsements, such as extra types of liability coverage.
Allstate and State Farm have robust websites, allowing you to get quotes, pay bills, and file and track claims. They also have highly rated mobile apps. But State Farm has the edge when it comes to consumer complaints, drawing fewer complaints to state regulators than expected for a company of its size. Allstate draws more than the expected number of complaints.
In the end, you can’t go wrong with a renters insurance policy from either State Farm or Allstate.
Learn more with our State Farm renters insurance review.
Allstate vs. Geico renters insurance
The main difference between Allstate and Geico renters insurance is that Allstate sells its own policies, while Geico works with third parties. If you need to file a claim on your Geico renters insurance policy, you’ll need to reach out directly to the third-party company.
Coverage options and discounts on your Geico renters policy will depend on the provider Geico matches you with. But as with Allstate, you’ll likely be able to save by bundling renters insurance with another type of policy, such as auto insurance.
Read our Geico renters insurance review for more details.
Current Product
NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more. 4.0 /5 | NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more. 4.5 /5 | |
Complaints to NAIC Ratings are based on complaints to state regulators relative to a company's size, according to three years' worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. More than expected | Complaints to NAIC Ratings are based on complaints to state regulators relative to a company's size, according to three years' worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Fewer than expected | Complaints to NAIC Ratings are based on complaints to state regulators relative to a company's size, according to three years' worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. No data |
Coverage Ratings are based on the types of coverage a company offers in comparison to other insurers. About average | Coverage Ratings are based on the types of coverage a company offers in comparison to other insurers. More than average | Coverage Ratings are based on the types of coverage a company offers in comparison to other insurers. No data |
Discounts Ratings are based on the number of discounts a company offers in comparison to other insurers. Great set of discounts | Discounts Ratings are based on the number of discounts a company offers in comparison to other insurers. Average set of discounts | Discounts Ratings are based on the number of discounts a company offers in comparison to other insurers. No data |
Bottom line Solid coverage and discounts, available across the U.S. | Bottom line The country’s biggest insurer offers solid renters insurance with lots of ways to manage your policy online. | Bottom line Best for existing Geico auto insurance customers looking for a multipolicy discount. |
» MORE: Allstate home insurance review
Besides renters policies, Allstate sells auto, homeowners, condo and life insurance, among other products. Allstate also offers pet insurance and event insurance through third-party providers.
A standard policy from Allstate does not include flood coverage. However, you can buy a separate National Flood Insurance Program policy through an Allstate agent.
To cancel your renters insurance policy, contact your local Allstate agent or call the company directly.
Besides renters policies, Allstate sells auto, homeowners, condo and
life insurance
, among other products. Allstate also offers pet insurance and event insurance through third-party providers.
A standard policy from Allstate does not include flood coverage. However, you can buy a separate
National Flood Insurance Program
policy through an Allstate agent.
To cancel your renters insurance policy, contact your local Allstate agent or call the company directly.
Methodology
Renters insurance star ratings methodology
NerdWallet’s renters insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverage options, discounts and online experience. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our full renters insurance rating methodology.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2020-2022. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
Renters insurance rates methodology
To find the average cost of renters insurance in the U.S., NerdWallet calculated the median rate for 30-year-old tenants from multiple insurance companies in every ZIP code across all 50 states and Washington, D.C. Sample tenants were nonsmokers with good credit and no recent claims, living in a two-bedroom apartment. They had a $500 deductible and the following coverage limits:
$30,000 in personal property coverage.
$100,000 in liability coverage.
$10,000 in additional living expenses coverage.
$1,000 in medical payments coverage.
We made minor changes to the sample policy in cases where rates for the above coverage limits or deductibles weren’t available.
We then compared the insurer's median rates to the median rates for other companies.
These are sample rates generated through Quadrant Information Services. Your own rates will be different.
In This Review . . .
DIVE EVEN DEEPER IN INSURANCE
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Switching your insurance could save you hundreds a year.