All About Allstate Car and Home Insurance

Allstate offers home and car insurance to people in all 50 states, and has many discounts to help policyholders get the best deals.

Brady Klopfer
All About Allstate Car and Home Insurance

Allstate is a titan of the insurance industry. It’s the largest publicly held personal insurance company in the United States, and the second-largest insurer in the country. Allstate has a rich history: it was founded in 1931 as a subsidiary of Sears, before breaking off on its own in 1995. Since then, Allstate has purchased numerous other insurance companies as subsidiaries, including the popular Esurance. While you may know Allstate for their catchy commercials, which have helped the company grow, what they’re best known for is good insurance.

Part 1 of this article discusses how Allstate stands out from some of its insurance competitors. Part 2 covers the types of insurance provided by Allstate, while Part 3 details the coverage options for policyholders. Part 4 delves into the available discounts for Allstate customers, and Part 5 shares what states Allstate is available in. Part 6 covers the mobile app for Allstate, and finally, Part 7 gives Allstate’s rating by the Better Business Bureau and A.M. Best.

Part 1 of 7: Key differentiators from other insurance providers

Allstate has had a lot of success by keying in on all available demographics. While the typical insurance mold targeted primarily responsible adults, Allstate has branched out, with catchy ads depicting “Mayhem” as a character, which were designed to target younger drivers, and drivers fearful of what might happen in the event of an accident or home emergency. They’ve also released a web series targeted towards teenagers, and keeping them from texting while driving. All of this reflects Allstate’s approach: offering quality insurance to people of all ages, and in all circumstances.

Part 2 of 7: Types of insurance provided

Allstate is best known for their car insurance, but they also offer home insurance, renters insurance, and life insurance.

Part 3 of 7: Coverage options

Auto insurance coverage options

Allstate offers numerous coverage options for their automotive insurance, including:

  • Liability coverage
  • Collision coverage
  • Comprehensive coverage
  • Medical payments
  • Personal injury protection
  • Uninsured/underinsured motorist coverage
  • Detailed options such as sound system insurance and towing and labor insurance

Home insurance coverage options

In addition to auto insurance, Allstate also has a host of home insurance coverage options, including:

  • Full replacement liability coverage
  • Property coverage
  • Guest medical protection

Part 4 of 7: Discounts available

Car insurance

Allstate offers numerous discounts that auto insurance customers can take advantage of, including:

  • Safe driver discount
  • Smart student discount
  • Student more than 100 miles from vehicle discount
  • New vehicle discount
  • Safety features discount
  • Early signing discount
  • Easy pay plan discount
  • Full pay discount
  • ePolicy discount
  • Responsible payer discount
  • Insurance bundle discount

Home insurance

For home insurance customers, the following discounts are available:

  • Early signing discount
  • Easy pay plan discount
  • New signing discount
  • 55 and retired discount
  • New home discount
  • Safe home discount
  • Claim free discount
  • Insurance bundle discount

Part 5 of 7: States licensed to sell insurance

Allstate offers both home and car insurance in all 50 states, plus Washington, D.C.

Part 6 of 7: Mobile apps

Allstate has a few different mobile apps to help you out. Their primary app is the Allstate Mobile app, which helps you with everything relating to your coverage, from your plan details, to a virtual insurance card, to making payments.

Also available is the Allstate Motor Club, which lets you request roadside assistance whenever you need it.

Finally, Allstate offers an app called Digital Locker, which allows you to keep track of all your pertinent information about your home. That way, if your home is damaged, you still have all the necessary information with you, wherever you are.

All three of these apps are available for iOS and Android.

Part 7 of 7: Better Business Bureau and A.M. Best ratings

Allstate has earned top grades from both A.M. Best and the Better Business Bureau, with the former grading the insurance company at A+, and the latter at A-.

Allstate is one of the most well-known insurance companies in the country. Whether you’ve seen their popular ads, or you’re one of the millions of people who have insurance through them, Allstate probably isn’t a stranger to you. With coverage across the country, and terrific discounts, Allstate isn’t only popular, but they also offer tremendous auto and home insurance.

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