Allstate Renters Insurance Review: What You Should Know in 2026
Allstate renters insurance costs an average of $17 per month for $15,000 of property coverage. But rates can vary by state. Find out if it’s a good value for you.
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Written byJ.J. Starr
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J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
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Edited byMatthew Gross
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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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Reviewed byMacK Korris
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MacK KorrisLicensed P&C Insurance Agent and Expert Fact-Checker
Licensed property and casualty insurance agent
NPN: 21630969
MacK Korris is a licensed insurance agent who reviews and fact-checks articles for Compare.com. MacK has several years of experience reviewing and editing a variety of insurance topics, and he also holds valid insurance producer licenses in property and casualty lines from the Missouri Department of Commerce and Insurance (NPN #21630969).
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In This Article
Well known nationwide, Allstate is the fourth-largest insurance company in the U.S. Its renters policies include liability and personal belongings coverage. It also offers coverage for high-value jewelry, earthquakes, and umbrella insurance.
The company makes it easy to get a quote, adjust your policy, or file a claim online or with your mobile phone. But mixed customer reviews suggest Allstate has room for improvement.
Here’s what to know before deciding if Allstate is the best renters insurance company for you.
Allstate Renters Insurance Overview
Allstate offers a wide array of insurance products, including renters insurance. Its renters policies typically include standard coverage options for personal belongings and liability. The company also advertises coverage for water damage, but you should review your policy carefully, as coverage varies by location.
Allstate vs. Other Renters Insurance Companies
Renters insurance policies can vary by company. Insurers often offer different coverage options, perks, claims handling, and more. Some offer cheap renters premiums or local service, while others have great digital tools.
Allstate’s renters policies tend to trail the competition in both customer satisfaction and customer complaints.
Where Allstate stands out
Allstate offers a wide array of insurance products and financial services, backed by a longstanding reputation. The company has an AM Best financial strength rating of A+ (Superior), so you can feel confident that it can pay out claims. You can qualify for a discount by bundling your renters insurance with an Allstate car insurance policy.
Where Allstate falls short
Allstate renters insurance premiums are above-average for some coverages, according to Compare.com data. Allstate also ranks below average in overall customer satisfaction and receives more customer complaints than similar insurers with the National Association of Insurance Commissioners.[4]
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What You Can Expect to Pay for Allstate Renters Insurance
Renters insurance rates vary by insurer for several reasons. Your claims history, credit, and location all affect how much you pay for coverage. Rates also depend on the insurer, including how many of your neighbors it also insures.
The coverage you choose also affects costs. Higher coverage limits and lower deductibles typically increase costs. But lower limits and higher deductibles usually decrease costs. Just make sure you can afford the extra expenses if you need to file a claim with a higher deductible, because you’ll pay more out of pocket.
Here’s how Allstate’s average premiums compare to industry averages for different coverage limits, based on data from Compare.com.
Personal Property Limit  | Allstate Average Monthly Premium | Industry Average |
|---|---|---|
| $15,000 | $17 | $17 |
| $30,000 | $23 | $22 |
| $50,000 | $32 | $28 |
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Allstate’s average renters premiums are about average for $15,000 and $30,000 worth of coverage. But rates are more expensive than average for $50,000 of coverage.
Average Allstate renters insurance costs by state
Renters insurance premiums vary by state due to local differences in claims, crime rates, and weather hazards. State regulations can also influence insurance costs.
Below, we compare state averages with Allstate’s average premium for a $15,000 renters insurance policy, according to data from Compare.com.
Allstate Rates by State
State | Allstate Average Monthly Premium | Statewide Average |
|---|---|---|
| Alabama | $32 | $24 |
| Alaska | $13 | $19 |
| Arkansas | $24 | $24 |
| California | $17 | $18 |
| Colorado | $19 | $19 |
| Connecticut | $15 | $21 |
| Delaware | $13 | $17 |
| Florida | $25 | $18 |
| Idaho | $13 | $15 |
| Illinois | $22 | $17 |
| Indiana | $26 | $19 |
| Iowa | $12 | $15 |
| Kentucky | $14 | $26 |
| Louisiana | $25 | $26 |
| Maine | $12 | $15 |
| Maryland | $17 | $18 |
| Massachusetts | $16 | $20 |
| Michigan | $23 | $31 |
| Minnesota | $15 | $18 |
| Mississippi | $27 | $28 |
| Missouri | $20 | $20 |
| Nebraska | $14 | $16 |
| Nevada | $12 | $15 |
| New Hampshire | $13 | $16 |
| New Mexico | $18 | $18 |
| New York | $14 | $14 |
| North Carolina | $15 | $15 |
| Ohio | $13 | $18 |
| Oklahoma | $20 | $20 |
| Oregon | $12 | $17 |
| Pennsylvania | $14 | $16 |
| Rhode Island | $14 | $16 |
| South Dakota | $11 | $13 |
| Tennessee | $18 | $22 |
| Texas | $19 | $25 |
| Utah | $16 | $18 |
| Vermont | $15 | $16 |
| Washington | $13 | $14 |
| Washington D.C. | $15 | $17 |
| West Virginia | $14 | $19 |
Allstate Renters Insurance Discounts
Renters insurance discounts are an easy way to save money on your premiums, and some insurers offer more opportunities than others. Check out the table below for the renters insurance discounts Allstate offers, according to our research.
Discount Name | Advertised Discount Amount |
|---|---|
| Multi-policy | Varies by state |
| 55 and retired | Up to 25% |
| Easy pay plan | Varies by state |
| Windstorm mitigation | Varies by state |
How Customers Feel About Allstate Renters Insurance
Reading customer reviews is a great way to understand how an insurance company lives up to its promises. Allstate earns a 1.2 out of 5 Trustpilot rating, a 1.1 out of 5 ConsumerAffairs rating, and a 1.1 out of 5 Better Business Bureau (BBB) rating . While renters don’t account for all of those reviews, some common complaints still emerge.
Renters canceling their policies report difficulties getting Allstate to stop charging them.)
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More broadly, customers note difficulties in getting claims paid, issues with virtual adjusters, unexpected premium increases, and problems with the chatbot and automated phone service.
The company appears to use boilerplate responses to negative Trustpilot and BBB reviews, which may indicate generic responses to customer issues in general.)
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What Allstate Renters Insurance Covers
An Allstate renters insurance policy protects your property from theft, fire, smoke, and vandalism. Coverage options include:
Personal belongings coverage: Allstate will reimburse you to replace your personal property if a covered event destroys it.
Additional living expenses: Allstate covers part of the cost of food and lodging if you’re temporarily displaced from your home.
Liability coverage: If someone injures themselves at your home, liability insurance helps cover medical expenses, legal bills, and other related costs.
Guest medical coverage: Allstate will pay some of the medical bills if someone is injured at your home, regardless of fault.
Water damage: This coverage helps pay for damages from plumbing leaks, water heaters, and other water-related losses.
Keep in mind that coverage options and rules vary by state, so check what Allstate offers in your area before deciding to buy.
How Allstate’s Claims Process Works
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Allstate advertises a quick and straightforward renters claim process that you can finish in four steps. Here’s how:
File your claim. Log in to your account and upload supporting documentation, like an itemized list of your personal belongings and a police report. You can also track the process online.
Provide any additional information. Allstate will review your materials and assess damages. Be prepared to provide any extra information if needed.
Review your settlement. Get your claim estimate and review the settlement. If you have questions, reach out to your agent.
Get paid. Allstate will either send payment to you or make a direct payment to a third party, if involved.
You can make filing a claim easier by making a basic inventory of your high-ticket personal property. Creating an inventory also helps you figure out how much renters insurance coverage you need.
How to Get Allstate Renters Insurance
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Allstate makes it relatively easy to purchase renters insurance. You can buy a policy online, through the mobile app, over the phone, and in person. Here’s how:
Visit Allstate’s website, use the mobile app, or call customer service to start the process.
Provide your ZIP code and personal information.
Select your coverage limits and coverage options.
Review your quote, check for any available discounts, and adjust your coverage. You can compare your quote with other renters insurance companies to find out if you’re getting a good deal.
Choose your payment option, policy start date, and pay for your policy.
Review your receipt and store important policy documents in a safe place.
If you have any issues or want to work with an agent, you can visit a local office or call 1 (800) 726-6033.
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Allstate Renters Insurance FAQs
Below are the answers to the most common questions about Allstate renters insurance policies.
Is Allstate good for renters insurance?
It depends. Allstate has a good reputation and an AM Best financial strength rating of A+ (Superior). If you want customizable coverage options and a variety of discounts, Allstate is a good choice for renters insurance. But it has below-average customer satisfaction scores.
What does Allstate renters insurance cover?
Allstate renters insurance policies cover personal belongings, liability protection, and emergency medical coverage. It can also cover some forms of water damage. Ask about increasing your limits for high-ticket items, like expensive electronics or jewelry.
How much does Allstate renters insurance cost?
Allstate renters insurance costs an average $17 per month for $15,000 worth of coverage. But your exact price depends on various factors, like your coverage choices and location.
Which company has the best renters insurance?
There isn’t a single “best” company for renters insurance. The best renters insurance company depends on your needs and preferences. That said, Erie, Amica, and Lemonade all have high customer satisfaction ratings.
In which states does Allstate offer renters insurance?
Allstate offers renters insurance in most states, including California, Florida, Georgia, Illinois, Michigan, New Jersey, New York, North Carolina, Ohio, Pennsylvania, Texas, Virginia, and Washington.
Does Allstate renters insurance cover roommates?
No. Allstate renters insurance doesn’t cover any property belonging to your roommates. Each person needs a separate renters policy for their property.
Can you cancel Allstate renters insurance?
Yes. You can cancel your Allstate renters insurance online or by calling customer service at 1 (800) 726-6033. But you should know that some customers report issues with cancellations, so ask for confirmation of cancellation.
Methodology
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
Sources
- AM Best. "AM Best Affirms Credit Ratings of The Allstate Corporation and Its Core Subsidiaries."
- J.D. Power. "2025 U.S. Home Insurance Study."
- Trustpilot. "Allstate Reviews."
- National Association of Insurance Commissioners. "Consumer Insurance Refined Search Results."
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J.J. StarrInsurance Writer
J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
MacK KorrisLicensed P&C Insurance Agent and Expert Fact-Checker
Licensed property and casualty insurance agent
NPN: 21630969
MacK Korris is a licensed insurance agent who reviews and fact-checks articles for Compare.com. MacK has several years of experience reviewing and editing a variety of insurance topics, and he also holds valid insurance producer licenses in property and casualty lines from the Missouri Department of Commerce and Insurance (NPN #21630969).
