Allstate’s home insurance policies can be customized to suit your needs and come with extra benefits like claim-free rewards. 

A typical Allstate homeowners policy includes coverage options such as:

• Dwelling (home structure): Covers the physical structure of your house, including the walls and roof. 
• Other structures: Covers structures on your property that are detached from your house, like a shed or stand-alone garage. 
• Liability protection
• Personal property
• Guest medical protection: Covers the cost of medical bills if someone is injured on your property.
• Additional protection: Allstate home insurance policies come with additional coverages such as reimbursed living expenses for hotel stays in the event your home is uninhabitable after a loss. 

Optional home insurance coverages from Allstate include:

• Water backup: Covers damage caused by backed up drain or broken sump pump.
• Scheduled personal property: Covers valuable, appraised items like engagement rings, antiques, etc. 
• Business property: Covers business related items you store in your house, like products. 
• Identity theft restoration: Covers the cost of legal fees and other costs associated with identity theft. 
• Sports equipment: Covers expensive sports gear like skis or golf clubs. 
• Green improvement reimbursement: Covers to repair or replace items with more energy efficient ones. 
• Yard and garden: Covers things like trees, landscaping, lawn mowers, etc. 
• Electronic data recovery: Covers the cost of restoring lost computer data, like files and videos. 
• Musical instruments
• Flood insurance
• Personal umbrella: Additional liability coverage that goes beyond your home insurance liability limits. 

Allstate offers more than just a standard auto policy. They offer innovative tools to make managing your policy easier and other extra benefits like accident forgiveness and deductible rewards.

Allstate offers a variety of car insurance coverage options, including:

• Liability
• Collision
• Comprehensive
• Medical payments
• Uninsured & underinsured motorist 
• Rental reimbursement 
• Sound system: Covers to replace or repair damaged or stolen audio and video equipment.
• Towing and labor
• Roadside assistance
• Personal injury protection
• Personal umbrella
• Property protection: Covers the cost of at-fault damage to someone else’s property.
• Classic car insurance 

An Allstate renters insurance policy offers a variety of coverages to protect your personal belongings when your landlord’s insurance cannot. 

Allstate’s renters insurance typically includes the following coverages:

• Personal property
• Scheduled personal property: Covers valuable, appraised items like engagement rings, antiques, etc. 
• Reimbursed living expenses: Covers the costs of hotel stays if your rental is uninhabitable after a loss. 
• Liability 
• Guest medical: Covers the cost of medical bills if someone is injured on your property.

You may also want to consider these optional coverages:

• Identity restoration coverage: Covers the cost of legal fees and other costs associated with identity theft. 
• Flood insurance
• Personal umbrella: Additional liability coverage that goes beyond your home insurance liability limits. 

An Allstate condo insurance policy gives you the protection your condo association requires of their members and provides additional coverage for your personal belongings. 

Allstate’s condo insurance policies typically include the following coverages:

• Personal property
• Liability 
• Guest medical 
• Reimbursed living expenses: Covers the costs of hotel stays if your condo is uninhabitable after a loss. 
• Building property protection: Covers things that don’t technically belong to you, like cabinets and appliances. 
• Loss assessment: Covers the cost of your share of assessment towards repairs should a common area or building structure be damaged and the repair costs exceed the condo master policy limit. 

You may also want to consider these optional coverages:

• Identity restoration coverage: Covers the cost of legal fees and other costs associated with identity theft. 
• Flood insurance
• Personal umbrella: Additional liability coverage that goes beyond your home insurance liability limits. 

Allstate provides a variety of coverage types for your hot rod year-round so you can be sure it’s protected whether it’s on the open road or stored in your garage. 

Allstate motorcycle insurance policies include the following coverages:

• Bodily injury liability 
• Property damage liability
• Medical payments
• Personal injury protection
• Collision
• Comprehensive
• Uninsured/underinsured motorist bodily injury
• Towing and labor
• Rental reimbursement: Covers the cost of a rental if your bike is stolen or in the repair shop. 
• Motorcycle and off-road vehicle transport trailer damage: Pays to repair or replace your motorcycle and trailer after a collision, rollover, earthquake, vandalism, etc. 
• Lease/loan gap: If your motorcycle is stolen or totaled, this will pay the difference between what your bike was worth and how much you still owe on your loan/lease. You must have collision and comprehensive coverage to add this coverage. 
• Optional or added equipment: Automatically covers $1,000 for aftermarket upgrades. You can buy up to $30,000 of this coverage. 

Additional Allstate motorcycle insurance benefits include:

• New motorcycle replacement
• Rider protection package: Provides death and dismemberment coverage and cash to you and your family. 
• First accident waived 

Allstate offers a variety of business insurance coverages that can be customized to suit your business’ needs. Allstate provides business insurance for businesses in industries like professional firms, health and medical, services, goods, and food and beverage. 

Generally, an Allstate business insurance policy will include coverage for:

• Property: Provides coverages for numerous risks including accounts receivable protection, valuable papers and records, employee dishonesty, computer fraud, business personal property, money and securities, business income, electronic data, data compromise protection, and spoilage coverage. 
• Liability: Provides protection for a variety of risks including general liability, employee practices, data compromise, miscellaneous professional, employers non-owned auto, and products and completed operations.

Protect your boat and crew members with a year-round Allstate boat insurance policy. Coverage typically includes:

• Watercraft medical payments
• Watercraft liability
• Property coverage
• Repair cost
• Emergency services: covers the cost of towing and labor, fuel delivery, etc. if your boat breaks down. 
• Uninsured watercraft coverage
• Agreed value option: If your boat is deemed a total loss, you will be reimbursed for the value of your boat at the beginning of your policy regardless of its current market value. 
• Personal effect: Covers fishing equipment and other personal belongings if damaged or stolen. 
• Additional boat equipment: Covers equipment like anchors, life jackets and navigation gear up to the policy limit. 
• Boat trailer coverage

Your RV is a cross between your car and your home and therefore it needs a special kind of insurance. Allstate offers RV insurance coverage for you, your travel companions, and your motorhome so you can travel the country with complete protection. 

Allstate’s RV insurance policies offer more protection than your auto insurance and therefore typically include coverage for:

• Bodily injury liability
• Property damage liability
• Collision
• Comprehensive
• Sound system: Covers up to $2,500 for an audio system permanently installed by the manufacturer. 
• Contents coverage: Covers personal property in your motorhome when it’s damaged by fire, lightning, etc. 
• Medical payments
• Personal injury protection (PIP)
• Uninsured & underinsured motorist
• Towing and labor costs 
• Rental reimbursement: Covers the cost of renting an RV or vehicle when your RV is damaged by a loss covered by your collision or comprehensive coverage. 

Your auto insurance policy isn’t always enough to cover damage to your snowmobile and the people riding on it. Allstate offers a fairly priced snowmobile insurance policy with coverages like:

• Bodily injury liability
• Property damage liability
• Collision
• Comprehensive

Your auto and home insurance might not be enough to supplement an ATV accident, which is why Allstate offers specific coverages for all-terrain vehicles (ATVs), utility vehicle (UTVs), dune buggies, golf carts, go-karts, trail bikes, etc. 

Coverage typically includes: 

• Bodily injury liability
• Property damage liability
• Collision
• Comprehensive

Allstate’s pet insurance policy will be there to help cover your cat or dog’s medical bills associated with injury, health problem, or a routine check-up. This policy will typically cover:

• Accidents
• Treatments for illnesses and diseases
• Cancer and chemotherapy 
• Surgery, hospitalization, and nursing care
• Lab work and diagnostic tests, including X-rays and MRIs
• Medications
• Genetic conditions (as long as symptoms aren’t showing at the time of enrollment)
• Alternative therapies like acupuncture
• Chronic and recurring conditions, like allergies, diabetes, and hyperthyroidism