Allstate Homeowners is a division of the Allstate insurance company.
Allstate Home Owners Insurance offers structural insurance, personal property insurance, liability insurance, guest medical coverage, and flood insurance.
The first kind of insurance that Homeowners Insurance from Allstate has is structural insurance. There are different policies depending on the kind of home in which you live.
For example, a Condo policy usually covers inside construction such as wallboard and light fixtures. Depending on your state of residence, organization by-laws, and insurance company, outer walls may or may not be covered.
A home's complete structure is insured, including sheds and detached
garages. A manufactured home’s total structure is usually insured, but
sheds and garages may require an additional policy.
You need to be sure to ask your Allstate agent about the particulars of your own unique circumstances.
A renter’s policy frequently does not cover physical structures in any way; however, it does offer necessary liability and contents coverage.
Additionally, insurance companies provide coverage for the same disasters that might damage the exterior of your house, like fire, smoke, lightning, wind, hail, frozen pipes, theft, explosion, vandalism, the weight of ice and snow, etc.
A representative can explain the events that your policy would not cover for your home’s exterior. Usually, floods and earthquakes are not included in basic policies. Then again, you might be able to get extra insurance for those with additional policies.
Most companies particularly exclude mold, fungus, wet rot, dry rot and bacteria.
Personal property insurance is the second type of insurance that Allstate Home Owners Insurance offers. The top amount is frequently a percentage of your structural limit. Be aware that certain items may have different amounts of coverage limits than others do.
For example, watercraft coverage limits might differ from money limits or stolen firearms. Also, since items usually decrease in value over time, you will need to decide if you want Actual Cost Value or Replacement Cost Value.
Actual Cost Value is what the item is currently worth, not the cost of a new one. Replacement Cost Value, on the other hand, will pay the current price to replace the item.
Again, this type of Allstate homeowners insurance coverage varies from state to state, and you should expect to get Actual Cost Value more often than Replacement Cost Value.
Liability Insurance is yet another form of insurance that is available through an Allstate Homeowner policy. It will help defend you for the financial uncertainty brought about from injury or property damage that you or your family might cause to other people – either on or off of your land.
Liability insurance usually includes reimbursement for the injured party, expenses involved in defending yourself in court and any court resolutions or payments up to the maximum value of your policy.
Keep in mind that you could be at risk for losing any personal assets or savings without some form of liability insurance. Once more, coverage varies from state to state.
The Allstate Insurance Company also has guest medical coverage. This is important to have in case someone is visiting and needs to be rushed to the emergency room.
One of the benefits of an Allstate homeowner policy is that it covers things that are not covered by regular liability insurance. These might include medical, surgical, x-ray, dental, ambulance, hospital, licensed nursing, funeral service, prosthetic devices, eye glasses, hearing aids, and pharmaceuticals.
Finally, Allstate Homeowners Insurance also offers flood insurance. Flood insurance is a good thing to include in your Allstate policy. Consider getting this additional Allstate homeowner policy coverage since neither the NFIP nor your base homeowner’s policy will usually include coverage for water that is backed up through sewers or drains or spills over from a sump pump.
As you can see, Allstate Home Owner’s Insurance has a variety of policies to meet any kind of damage that may happen on, in, or to your house.