Skip to content
Get started

HOMEOWNERS INSURANCE

Protect your home. Peace of mind, guaranteed.

Coverage that pays for repairs, replaces your belongings, and shields you from liability — from a local agent who knows your community.
Get a quote
See what's covered

COVERAGE

Everything under one roof

A standard policy covers five key areas of protection.

dwelling

Dwelling coverage

Pays to repair or rebuild your home's structure — roof, walls, floors — after a covered event.
personal property

Personal property

Replaces furniture, electronics, clothing, and valuables if stolen or damaged.
liability

Liability protection

Covers legal fees and damages if someone is injured on your property or you cause damage to others.
living expenses

Additional living expenses

Pays for hotel and meals if your home is uninhabitable due to a covered loss.
medical bills

Medical payments

Covers minor medical bills for guests injured at your home, regardless of fault.
Untitled design (1)

Optional add-ons

Flood, earthquake, jewelry riders, and identity theft — customize your policy.

What's not covered by default

Standard policies exclude flood damage, earthquakes, and routine maintenance. These require separate policies or add-on riders. Learn about your options →

PRICING

Rates that fit your home

Answer a few quick questions to see your estimated monthly rate.

$350,000
$100k$1M

Low risk: rural or suburban area, low weather events

$1,000
$500$5,000

Higher deductible = lower monthly premium

Standard (HO-3): covers most perils, actual cash value

Your estimated rate

Monthly

$119

per month

Annual estimate $1,428
Coverage type Standard (HO-3)
Deductible $1,000
Risk level Low

Bundle & save

Add auto insurance and save up to $215/year on this policy.

Get my exact quote →

Estimate only. Actual rate based on your full profile. No commitment required.

Home value

Highest single factor in your rate

Location

Weather & crime risk in your area

Deductible

Higher deductible lowers your premium

Coverage

Premium plans cover more at replacement cost

Customer reviews

Trusted by your neighbors

Real customers. Real claims. Real peace of mind.

"Filed a claim after a burst pipe — they had a check in my account within 48 hours. Couldn't believe how easy it was."

James M. · Austin, TX

"Switched from my old provider and saved $400 a year for the exact same coverage. The quote process took less than 3 minutes."

Sarah R. · Denver, CO

"As a first-time homeowner I had so many questions. Reid walked me through everything patiently — never felt rushed."

Priya L. · Seattle, WA

Google ★ 4.8
BBB A+ Rated
Trustpilot ★ 4.7
Allstate Premier Agent

Frequently Asked Questions

Is homeowners insurance required by law?

No federal law requires it, but most mortgage lenders require you to maintain coverage for the life of your loan. Even without a mortgage, it's strongly recommended to protect your largest asset.

Does homeowners insurance cover flood damage?

Standard policies do not cover floods. Flood insurance is a separate policy available through the NFIP or private insurers — we can help you bundle both for complete protection.

What's the difference between actual cash value and replacement cost?

Actual cash value pays what your belongings are worth today after depreciation. Replacement cost pays what it costs to buy new equivalents — more comprehensive, slightly higher premium.

How do I file a homeowners insurance claim?

Call our office or use the Allstate app. A claims adjuster will contact you within 24 hours. Keep photos of all damage and hold onto receipts for emergency repairs.

Can I bundle home and auto insurance?

Yes — bundling home and auto saves most customers 12–18% annually. You'll manage both from one account with one renewal date and one agent.

Ready to protect your home?

See your personalized rate in under 2 minutes. No commitment required.