What does Allstate renters insurance cover?
There are several standard coverages included in an Allstate renters insurance policy. You can also opt for endorsements and add-ons for more protection.
Personal property
Personal property coverage is the main portion of a renters insurance policy and provides coverage for everything you own. Landlords are not responsible for insuring their tenant’s property.
An Allstate renters insurance policy allows you to select the amount of personal property coverage you need. It’s important to note that personal property is usually covered at actual cash value, but you can upgrade your Allstate renters insurance policy to replacement cost coverage, which will pay the amount required to replace items new rather than their depreciated value.
Liability coverage
Allstate renters insurance includes basic personal liability insurance coverage that will protect you from negligence claims against you. You’ll be covered for both claims that you are responsible for injuries to others and for damage to their property.
Although a standard Allstate renters policy offers $100,000 in liability coverage, it costs very little to triple that coverage to $300,000.
Additional living expenses
An Allstate renters insurance policy includes additional living expenses/loss of use coverage that will help pay your extra expenses when you can’t live at home due to a covered loss.
This coverage pays for things like a hotel room, transportation expenses, dining out and even pet boarding.
Optional add-ons
There are some things that an Allstate renters insurance policy doesn’t cover, but a few of those can be added to your policy. Depending on where you live and your needs, you might want to add:
- Earthquake coverage
- Water and sewer backup
- Replacement cost coverage for personal property
- Special coverage for valuable items like jewelry and art
It’s important to note that floods are not covered by renters insurance and require a separate flood insurance policy.
How much does Allstate renters insurance cost?
Find your state in the table below to see the average cost of Allstate renters insurance based on $40,000 in personal property coverage with a $1,000 deductible and for liability limits of $100,000 and $300,000.
| State | Average annual premium for $100,000 in liability coverage | Average annual premium for $300,000 in liability coverage |
|---|---|---|
| Alaska | $122 | $156 |
| Alabama | $419 | $440 |
| Arkansas | $444 | $454 |
| Arizona | $259 | $301 |
| California | $256 | $302 |
| Colorado | $186 | $208 |
| Connecticut | $173 | $204 |
| Washington, D.C. | $260 | $302 |
| Delaware | $212 | $231 |
| Florida | $178 | $193 |
| Georgia | $646 | $684 |
| Hawaii | $229 | $264 |
| Iowa | $257 | $283 |
| Illinois | $197 | $197 |
| Indiana | $301 | $323 |
| Kansas | $162 | $162 |
| Kentucky | $233 | $261 |
| Louisiana | $585 | $631 |
| Massachusetts | $223 | $248 |
| Maryland | $418 | $447 |
| Maine | $162 | $223 |
| Minnesota | $174 | $174 |
| Missouri | $367 | $393 |
| Mississippi | $797 | $828 |
| Montana | $184 | $218 |
| North Carolina | $312 | $321 |
| North Dakota | $138 | $193 |
| New Hampshire | $158 | $190 |
| New Jersey | $476 | $507 |
| New York | $174 | $190 |
| Ohio | $233 | $256 |
| Oregon | $223 | $247 |
| Pennsylvania | $232 | $242 |
| Rhode Island | $239 | $258 |
| South Carolina | $247 | $278 |
| South Dakota | $191 | $247 |
| Texas | $219 | $241 |
| Utah | $171 | $214 |
| Virginia | $257 | $293 |
| Washington | $230 | $262 |
| Wisconsin | $171 | $195 |
| West Virginia | $203 | $223 |
Allstate renters insurance cost by coverage level
The amount of personal property coverage you need has the greatest impact on the cost of an Allstate renters insurance policy. Compare costs below for Allstate renters insurance at various coverage levels.
| Coverage level | Average annual premium | Average monthly premium |
|---|---|---|
| $20,000 with $500 deductible and $100,000 liability | $194 | $16 |
| $20,000 with $500 deductible and $300,000 liability | $219 | $18 |
| $20,000 with $1,000 deductible and $100,000 liability | $178 | $15 |
| $20,000 with $1,000 deductible and $300,000 liability | $203 | $17 |
| $40,000 with $500 deductible and $100,000 liability | $291 | $24 |
| $40,000 with $500 deductible and $300,000 liability | $315 | $26 |
| $40,000 with $1,000 deductible and $100,000 liability | $264 | $22 |
| $40,000 with $1,000 deductible and $300,000 liability | $289 | $24 |
| $60,000 with $500 deductible and $100,000 liability | $389 | $32 |
| $60,000 with $500 deductible and $300,000 liability | $413 | $34 |
| $60,000 with $1,000 deductible and $100,000 liability | $352 | $29 |
| $60,000 with $1,000 deductible and $300,000 liability | $377 | $31 |
Allstate renters insurance discounts
Allstate offers renters insurance discounts to help reduce the cost of your policy. They include:
- Multi-policy discount
- 55 and retired discount
- Easy pay plan
- Windstorm mitigation discount
Allstate renters insurance vs. competitors
Comparing Allstate renters insurance with other providers? Here’s a head-to-head look at average premiums from Allstate vs. USAA, Progressive, and State Farm.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| USAA* | $209 | $17 |
| Progressive | $238 | $20 |
| State Farm | $196 | $16 |
*USAA offers car insurance only to military members, veterans and their families.
How to file a renters insurance claim with Allstate
To file a renters insurance claim with Allstate, you have a few options. First, you can call the claims phone number provided on your policy. This is the best option if you need immediate help or are facing a major claim.
You can also file a claim online or via the Allstate Mobile app. You’ll need to provide details and documentation of the damage. Be sure to take photos and provide a list of everything that is damaged.
Is Allstate renters insurance good?
Allstate offers standard renters insurance policies with options for add-ons and discounts. You can customize your coverage to meet your needs.
Allstate earned a score of 639 out of 1,000 on J.D. Power’s list of the best renters insurance companies, and has an NAIC complaint ratio of 1.31, which is above the benchmark of 1.00.
FAQ: Allstate renters insurance
Can you cancel Allstate renters insurance at any time?
Yes, you can cancel a renters insurance policy with Allstate whenever you like.
Does Allstate renters insurance cover water damage?
Yes, a renters insurance policy with Allstate includes coverage for water damage from sudden and accidental sources, like a burst pipe. It doesn’t cover floods.
Can students or young renters get cheaper Allstate renters insurance rates?
Renters insurance rates are not based on age, so young renters won’t pay more or less than anyone else. However, there are discounts on Allstate renters insurance that can bring your rates down.
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