Review of Allstate Insurance

Review of Allstate Insurance

Allstate is one of the biggest insurance providers in the United States of America. It is the largest publicly held insurance company too. It operates its personal lines insurance services from Canada. The company offers insurance on home, life, auto and renters. The buyers can get a dedicated help provider basis the zip code mentioned in the query box. The company also provides coverage for motorcycle, business, roadside, boat, pet, event, motor, home and snowmobile and so on.

It has its headquarters at Northfield Township, Illinois. The company ranks 79 in the list of Fortune 500 companies of the United States.

Main Features of Allstate

  • Number of states served: All 50 states
  • Get the quote online
  • One agent available in your town
  • Online assistance available 24/7.

Allstate Auto Insurance

  • Personalized feedback on driving provided; the rewards given to the safe and responsible drivers
  • Teen drivers covered with optimal insurance plan
  • Rideshare insurance benefit also available
  • Types of coverage offered – collision coverage, liability coverage, medical payments coverage, uninsured and under insured motorist coverage, comprehensive coverage, personal injury protection, sound system insurance, personal injury protection, roadside coverage, rental reimbursement coverage and so on.
  • There are special coverage offered such as Mexico travel insurance and classic car insurance

Allstate Home Insurance

  • Insurance policy that covers you against fire and smoke, burglary or theft, hail or windstorm, frozen plumbing, falling objects, water damage caused due to poor plumbing, or damage caused by water heater, cooling system or other appliances
  • Get the policy that suits your home
  • Quick and easy applications process
  • Expert review of home and its insurance assessment available
  • Various property covers available such as condo insurance, mobile and manufactured home insurance, renters insurance and landlord insurance
  • Easy home claims process; full assistance provided by the experts for the claims process
  • Information and tips on how to protect home available online

Allstate Life Insurance

  • Life insurance available for various stages of life.
  • The policy owners can pick the plan as per the phase they are in
  • Specialized plans available for life phases like:
  1. Starting your career
  2. Growing your family
  3. Raising children on the own
  4. Nearing retirement
  5. Living the retirement
  • Experts help make cognitive decisions like how much to save depending upon the life phase
  • Easy calculator provided to find requisite premium amount
  • Online and assisted application process available
  • Assistance on how to file claims and easy claims settlement guarantee available

Allstate Renters Insurance

  • Coverage for rentals and the belongings kept in rented apartment provided
  • Personal umbrella insurance
  • Flood insurance
  • Complete details about the requirement of renter policies and their comparison
  • Claims process explained and the settlement easy and fast
  • Important discounts available such as claims-free discounts, easy pay plan, safe home deposit, multi-policy discount, 55 and retired discount

Pros of Allstate

  • Most trusted name in the US insurance sector
  • Presence in all states of the USA, thus, any agent is literally a call away
  • Plethora of products to help get the insurance that suits the needs the best
  • Bundle products available that helps combine two or three coverage and earn discounts
  • Mobile app provided for quick claims settlement. Damage pictures can be uploaded and the claims can be settled in no time.
  • DriveWise feature provides cash back benefit if the driving habits are found safe in assessment.

Cons of Allstate

  • Some coverage like full glass coverage and uninsured motorist property damage provided only as per the demand of the State
  • Annual premium can come higher as the premium is reviewed half-yearly and can be increased without the payer noticing it
  • In case of policy changes, the billing is hard to crack.