Allstate Renters Insurance Review: Cost & Service (2025)

While looking for the best renters insurance provider, it’s essential to consider the customer service ratings of a company, as you will contact them to file a claim and want them to process your claim fairly and efficiently.

Allstate has a below-average J.D. Power score, indicating that the quality of its customer service is lacking in comparison to other renters insurance providers. Furthermore, Allstate’s NAIC Company Complaint Index is slightly above the national average, which means customers have filed more complaints about Allstate’s service.

In the 2021 US Home Insurance Study, Allstate received a J.D. Power score of 833 out of 1000. Since the industry average is 848, the company ranks below average for customer satisfaction. J.D. Power determined this score after analyzing the company’s interaction, policy offerings, price, billing processes, policy information and claims.

It’s important to consider the financial stability rating of an insurance company, as it tells you the likelihood that a company will pay off your claim. AM Best is an organization that analyzes the financial strength of an insurance provider and assigns them credit ratings. Allstate received an A+ AM Best rating, which means the company has a superior ability to meet its financial obligations.

The cost of renters insurance varies depending on your insurance company. On average, renters insurance at Allstate costs $120 per year. This is less than the national average of $159 per year. The actual cost of your renter’s insurance will vary, so it’s best to contact the company directly to receive a specific quote.

The cost of your renters insurance generally depends on your coverage limit, which is based on the value of your personal property. Insurance companies will assess your coverage limit when you request a quote.

Your coverage limit significantly impacts the cost of your renters insurance policy. Figuring out the coverage limit that’s best for your financial situation can help you save on costs. While $20,000 worth of coverage is a good starting point, you can determine how much you need using MoneyGeek’s personal property calculator below.

MoneyGeek’s research shows that Allstate offers five types of discounts to its policyholders, which is equal to the industry average. However, discounts unique to Allstate renters insurance policies include autopay and retiree discounts. These are not commonly offered by other insurance companies.

Allstate offers four optional coverages to its customers, less than the industry average of seven. Flood and personal injury protection coverage are available with this company, which are not commonly offered by other insurance companies. Allstate also offers identity theft and scheduled personal property coverage. These coverages can be purchased from Allstate as endorsements.

MoneyGeek explained the additional coverages offered by Allstate with its renters insurance policy below. These coverages include identity theft, flood, scheduled personal property and personal injury.

While looking for renters insurance, make sure that standard coverages like personal property, personal liability, medical payments and additional living expenses are included. You may also need flood, earthquake or insect coverage, which are rarely offered. That’s why it’s important to read the fine print before purchasing a policy.

Allstate offers several free-to-use online tools for both policyholders and non-owners, including an online quote tool, mobile app, payment plans, calculators, online bill payments and much more.

In addition to renters insurance, Allstate also offers other insurance products like auto insurance, business insurance, life insurance and pet insurance.

To evaluate Allstate as a renters insurance company, MoneyGeek obtained information directly from Allstate’s website and manually collected quotes. We also used information available through consumer intelligence organizations such as J.D. Power, the NAIC and AM Best to see how Allstate stacked up to other insurance providers.