Allstate is a homeowners’ insurance company based in Northbrook, Illinois. Today, Allstate is one of the highest-rated homeowners’ insurance companies in the entire United States. Also, in terms of ranking by size, the company ranks second in the country. Additionally, it offers its insurance policies to all the states in the United States, including Washington D.C.

Allstate homeowners insurance began its operations in 1931. Since then the company has been on a positive trajectory establishing itself as one of the finest home insurance providers. Today, the company offers an array of coverage options to potential policyholders at competitive rates. On top of that, it has made it easier for prospective policyholders to obtain quotes. The quotes can now be obtained online or via a local agent.

That said, let’s look at the standard types of coverage offered by Allstate’s home insurance.

• Dwelling Coverage: This form of coverage caters to the cost of repairing or rebuilding structural components of your house.
• Other Structures: Provides cover for structures that are detached from the dwelling, like the fence and shed.
• Liability: This type of coverage caters to legal costs and damages if you cause injuries to a third party or their property.
• Personal Property: This type of policy provides cover for the repair or replacement of individual belongings, like clothing and furniture.
• Medical Payments: Provides cover to injuries that may be sustained by your guests while in your home, regardless of the cause.
• Additional Living Costs: This caters to other living expenses, such as hotel accommodations, restaurant meals, and any other costs that you incur while away from your home during the ongoing repair.

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Besides the standard types of coverage, Allstate home insurance provides optional additional elements for those looking for extra coverage. They include:

• Identity Theft Restoration: This pays for legal costs and other expenses if you lose your identity to theft.
• Business Property Coverage: This provides premium limits for business-connected items kept in your dwelling.
• Water Backup Coverage: This provides cover for the damage attributed to a leaky sump pump or a backed-up drain.
• Increased Coverage for Precious Items: This provides cover for valuable stuff, such as antiques, musician tools, jewelry, sports equipment, and many more. An assessment may be deemed necessary.
• Electronic Data Recovery Coverage: This coverage bears the cost of lost digital items, such as pictures, videos, or any other information on your laptop.
• Green Improvement Reimbursement: This pays for the cost of replacing wrecked items with more improved emerged versions after a covered claim.
• Yard and Garden Coverage: This type of coverage extends policyholder limits on elements, such as lawnmowers, trees, and plants.
• Reimbursement Provision: This coverage reimburses you the amount you spend on re-equipping your dwelling with items covered on your claim after they have been stolen or destroyed. All you need is to avail a receipt to the insurance provider. If you opt to stick with the damaged items, Allstate’s home insurance will pay you for the depreciated value.

These are some of the policies offered by Allstate’s home insurance to its policyholders throughout the US. Therefore, if you are looking for any of these forms of coverage, look no further than Allstate’s home insurance. Quotes can be easily obtained online or through liaising with a local agent.