Allstate is one of the top insurers in the United States and they offer renters’ insurance. Renters’ insurance policies are a variety of coverages created to help people who live in rented apartments. Allstate offers four types of coverage in a renters’ insurance policy that protect the policyholder, the belongings, and the rented apartment after a loss. It also offers additional coverage for renters’ insurance.
Allstate Renters Insurance is another name for Allstate Tenant Insurance. It helps to cover accidental events. It is important to get insurance for your rented apartment or house to cover losses after unexpected events. Situations like theft, fire outbreaks, and break-ins cannot be prevented. That is why you need to get renter’s insurance.
What does Allstate Renters Insurance cover?
Allstate offers a variety of coverage in a renter’s insurance policy. Policyholders can choose from the different types of coverage needed for the rented apartment. Here are the types of coverage in renters’ insurance policies:
Personal Protection Property
This type of coverage protects the valuables in your home. It covers your electronics, clothes, kitchen items, and furniture. It covers the expense of replacing such items if they are damaged or misplaced.
Family Liability Protection
It covers injuries you cause to other people. This coverage covers the cost if you accidentally damage the properties of others or cause harm to them. For instance, if you are liable for a guest’s injury, you will be obliged to pay for the cost.
Guest Medical Protection
This type of coverage helps the guest who sustains an injury on your property. It covers the medical fees regardless of who caused them. Medical protection coverage includes costs like surgical procedures, ambulance rides, and other medical fees.
Additional Living Expenses
If you are unable to live in the apartment due to an accident or other event, this coverage pays for the extra cost of living somewhere else.
Furthermore, some renters’ insurance policies don’t cover items like coins, so you might want to get better coverage for your properties. There is additional coverage that you can add to your policy. This coverage pays the cost of replacing your valuables.
Allstate Renters Insurance Coverage
Just like I have mentioned above, this renters insurance helps to cover unexpected events in your home or rented apartment. However, the table below breaks down the types of coverage in the Policy and what they usually cover. This table also contains what is typically not covered
| Coverage type | Personal property | What is not covered |
| Personal Property | This covers your belongings such as your furniture, clothing, and other items from problems like theft, smoke, and other nature effect | Personal property that is lost over your coverage limit is not typically covered |
| Liability | This covers property damage and injuries you cause to others accidentally. E.g. if you are liable for a guest injury in your home or apartment. | Liability protection that is over your coverage limit is not typically covered |
| Medical payments | This coverage is sometimes included in the renter’s insurance policies and it is very affordable. It helps to pay for small medical bills no matter is liable. | _______ |
| Additional living expenses | This covers hotel bills. If your residence is left uninhabitable or damaged. | Damages done to the structure of the building you want to rent or you have rented. |
Other coverages come with this Allstate renters insurance. You check their online website for more coverage options. Buy a Policy today and protect your family from home loss or accident.
Allstate Renters’ Insurance Additional Coverage
Allstate offers additional coverage in the renter’s insurance policy. For better coverage, you can add extra coverage to your policy. Some of the add-on coverage includes:
- Extended coverage on valuables: You can buy extra coverage for valuables such as jewelry, coins, and watches.
- Identity theft coverage: This coverage protects the policyholder in the event of identity theft, and it covers the cost of replacing their identity.
- Scheduled personal property: This type of coverage covers the cost of replacing high-value items such as engagement rings and watches that have been damaged or stolen.
- Actual cash value: If your property is damaged due to a covered peril, this type of coverage will reimburse you for the depreciated value of the damage.
Allstate Renters Insurance Discounts
Before you buy an Allstate renters insurance policy, it is advisable to look for discounts to lower the cost of the insurance policy. Some of the discounts include:
- Multi-policy Discount: If you have more than one insurance policy with Allstate, you get a 25% discount on your renter’s insurance policy.
- Simple payment plan
- Claim-free: New policyholders can save up to 20% on renters’ insurance policies.
- Autopay discount,
- Discount for policyholders who are 55 years and older: Retired policyholders who are aged 55 years can get a 25% discount on their renter’s insurance policy.
- Discount for safety devices: If you have safety equipment such as fire extinguishers and fire alarms, you get up to 15% off on your renter’s insurance policy.
These are the discounts offered by Allstate Insurance. However, you can use the above-mentioned discount to lower your premium for renters’ insurance.
Allstate Renters Insurance Cost?
Allstate renters insurance costs a little more than most top companies, under $200 per year. You can calculate your premium on the official website and through their mobile app. However, the cost of renters insurance depends on your location, coverage type, and the building you live in. The average cost for Allstate renters insurance is $15 per month and $180 per year.
How to Compare Allstate Renters Insurance Quotes
If you want to request renters insurance, it is advisable to compare quotes from different insurance companies. When comparing quotes, pick the same limits, deductibles, and coverage for every quote so that you can make a precise comparison.
- Choose your coverage: Make sure that you check the types of coverage in the policy and decide on the coverage that suits you. You can add extra coverage too.
- Consider your limit: Consider your needs when choosing a limit. This is the maximum cost that the insurer will pay for coverage.
- Choose your deductible: Make sure that you choose the same deductible on every cover for every renters insurance quote you get. Most coverage comes with a deductible, which is the amount you will pay for a claim.
How to Find an Allstate Renters Agent
Do you want to communicate with an Allstate Agent over your renter’s insurance? Finding one is very easy. Besides, there is a locator available on the official website for you to locate an agent close to you whenever you want to. What do these agents do? They are the ones in charge of identifying sales opportunities for your insurance plan as a customer and also overseeing your portfolio.
There are several other things they also take care of which include tracking claims and handling the renewals of policies. This then implies that there are several reasons you might want to see or contact one. But how do you contact them if you can’t locate them? So here are steps on how to find one below;
- Visit the Allstate Renters Insurance Official page @ www.allstate.com/renters-insurance
- Locate the find an agent link on the right-hand side of the top page
- Click on the link
- Then on the redirected page, you would discover that there are two different ways you can find an agent
- Choose one that’s more comfortable for you
The two ways you can search for an agent are either by name or by location. However, if you okay searching by name, then you would be required to provide the state where you reside and the agency you are looking for.
While if you are searching by location, you would be required to provide your zip code and the selected zip code. When you are done providing them, you can click on the search icon to find agents or agencies close to you. Then get directions to any of them from the map that would be shown to you.
How to File an Allstate Renters Insurance Claim
Do you want to file a renter’s insurance claim with Allstate? Don’t know how to do it? Don’t fret. I will provide some tips that can help you with the process of filing a claim.
- Communicate with your insurance agent immediately to report a claim.
- Protect your belongings from further damage. Talk to your agency about any potential emergency damage.
- Your insurance agent will question you about the damage. Answer the questions correctly concerning the process.
- Talk through your policy limit and coverage with your insurance agent to know what applies to your case.
- Take photos of all the damaged items and document all the damaged items before the repairs start.
To begin filing a claim, go to the Allstate Renters Insurance Claims website. And when you’re done filing the renter’s insurance claim, you will receive a claim number to track its progress.
Allstate Insurance Login
Do you already have an account with Allstate Insurance company? Have you been trying to sign in to your account but then it doesn’t seem to work? Allstate Insurance Login is a process you should follow as an account owner in order for you to be able to access your already created account. The login enables you to manage your insurance policies with Allstate and do a lot more. But how do you sign in to your account? See the steps below;
- Visit Allstate Renters Insurance’s official page www.allstate.com/renters-insurance
- At the top right of the page, locate and click on the login button
- Then the login page would be shown to you
- On the login page, enter your user id and your password
- Then click on the log-in button.
However, if you are finding it difficult to log in to your account. It might be because you must have provided the wrong login details. Have you forgotten your user id or password and then entered the wrong one? You can recover it by clicking on the recover link for the forgotten info. Then you would be required to provide some information in order for you to be able to recover that lost important detail. After sorting out your login details, you can now follow the above-listed steps to sign in to your account.
Allstate Insurance Sign Up
Are you new to Allstate Insurance? Do you know that the Allstate sign-up could make things a lot easier for you? Things like filing a claim, tracking your claim, getting an insurance quote, and a lot more. But how do you sign up?
There are two different types of accounts you can create with Allstate Insurance. The first is an individual account, while the second is a business account. Here are steps on how to create both accounts;
Create A Business Account on Allstate
- Visit Allstate Insurance’s official website at www.allstate.com/.
- Locate and click on the login button.
- On the login page, locate the register new account link and click on it.
- Then you would be redirected to the account sign-up page.
- For your business account enter your policy number, email address, and mailing zip code.
- Then click on the continue button to proceed to create your login.
Create An Individual Account on Allstate
- Visit Allstate Insurance’s official website at www.allstate.com/.
- Locate And Click on the Login button.
- You would be shown the login page where you should click on the register new account link.
- After that, you would be directed to the account sign-up page.
- Tap on the individual account.
- Provide your required personal info to proceed to the next step.
- Verify your identity then proceed to create a login page to complete your sign-up.
After you have successfully signed up for an account with Allstate insurance with the above-given steps, you can now log in to your account whenever you want to access it.
Pros of Allstate Renters Insurance
Now, let’s talk about the advantages of Allstate apartment insurance. The perks will let you know if the insurance fits you or not. Here are some of the pros of Allstate Renters Insurance below;
- The insurance has a tool that helps you calculate the worth of your personal
- It provides additional coverage for items like Jewelry, watches, or fur
- You can choose an ACV or RCV policy for your property coverage
- Amazing financial strength rating.
Above all, you are also liable to get good service by telephone or online. With this, you can see that getting renters insurance with Allstate is worth it.