COVERAGE FOR YOUR LIFE
Homeowners Insurance
Your home is more than a building — it's where your life happens. Allstate homeowners insurance covers your dwelling, belongings, and liability so you can focus on what matters.
Explore your coverage options
Coverage options vary by policy and location. Beth can help you review limits, deductibles, and exclusions before you choose.
Common Questions
Does homeowners insurance cover flooding?
Standard homeowners policies do not cover flood damage. However, we can help you add flood insurance through the National Flood Insurance Program (NFIP) or private flood coverage.
What does homeowners insurance typically not cover?
Standard policies typically exclude flood, earthquake, normal wear and tear, pest damage, and intentional damage. We can help you find additional coverage for many of these.
How is my home insurance premium calculated?
Factors include your home's age, construction type, location, claims history, credit score, coverage amounts, and deductible level.