On this page12 sections
- Ratings and complaints
- Allstate vs. competitors
- Step by step
- Allstate renters insurance legitimacy and licensing
- How much is Allstate renters insurance?
- What Allstate renters insurance covers
- How Allstate renters claims work
- Complaints and what customers report
- Allstate renters insurance vs. landlord-required coverage
- What customers say
- Alternatives
- FAQ
Allstate renters insurance makes sense if you already have Allstate auto and want to bundle or want an agent. It is legitimate coverage from an A+ (Superior) rated insurer, sold in all 50 states online, by phone or through local agents, with policies advertised from $5 a month. Its J.D. Power 2026 renters score (667, tied for 8th of 16) trails State Farm, Lemonade and Progressive, the $5 price reflects minimal coverage, and overall Allstate reviews are poor, so compare a few quotes with the same limits.
Your options
- Price
- From $5 a month, based on Allstate's national average lowest monthly premium; actual premiums vary1
- Availability
- All 50 states, online, by phone (855-863-8489) or through a local agent1
- Customers
- 1.7 million+ renter customers and 65+ years of renters coverage, per Allstate1
- Core coverage
- Personal property, family liability, guest medical and additional living expenses1
- Suggested limits
- Allstate suggests many renters start with $25,000 of personal property and $100,000 of liability1
- Not covered
- The building itself, flood, earthquake, intentional damage, and high-value items above sublimits unless scheduled1
- J.D. Power 2026
- 667 out of 1,000, tied for 8th of 16 renters insurers (up from 13th in 2025); State Farm led at 70210
- Financial strength
- AM Best A+ (Superior), affirmed September 2, 20263
Pros
- Low advertised starting price of $5 a month
- Sold in all 50 states, online, by phone or through an agent
- Easy to bundle with Allstate car insurance
- Guest medical coverage included in the standard policy
- Optional scheduled valuables, identity theft restoration, flood (NFIP) and earthquake coverage
Cons
- The $5 price reflects minimal coverage; realistic limits cost more
- J.D. Power 2026 score of 667 is below the 682 segment average
- Overall Allstate reviews are poor, with slow claims a common complaint
- Discount amounts are not published
- Flood and earthquake need separate coverage
Best for: Renters who have or want Allstate car insurance and like the option of a local agent.
Skip it if: Claims service ratings matter most to you, since State Farm, Erie, Amica and Lemonade scored higher in J.D. Power's 2026 renters study.
Allstate vs. competitors
| Company | Advertised price | J.D. Power 2026 renters score | How you buy | Next step |
|---|---|---|---|---|
| Allstate | From $5 a month | 667 (tied 8th of 16) | Online, phone, local agents | Visit site |
| State Farm | About $13 a month for $34,000 of coverage (NAIC survey figure) | 702 (1st) | Agents, online, phone | Visit site |
| Lemonade | From $5 a month; about $16 a month average | 674 (6th) | App and online only | Visit site |
| Progressive | $13 to $27 a month average | 672 (7th) | Online, phone, agents | Visit site |
Renters insurance we reviewed
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Allstate This review BestGuide rating: 4.0 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Renters who have or want Allstate car insurance and like the option of a local agent. -
USAA BestGuide rating: 4.6 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Service members, veterans and their families who want insurance and fee-free banking from one company built around military life. -
State Farm BestGuide rating: 4.6 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. -
GEICO BestGuide rating: 4.6 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Good drivers, drivers with poor credit, and military or federal employees who are comfortable buying and managing a policy online. -
Lemonade This company pays BestGuide when you connect with it through our site. Verified partners are scored on our partner verification program and can be listed first. Payment never changes what we report about fees, terms or complaints. BestGuide rating: 4.3 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Owners of young, healthy dogs or cats who want a low base price, app-based claims and the option to add only the extras they need. -
Assurant BestGuide rating: 3.9 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Apartment renters whose community offers Assurant and who want quick, no-credit-check coverage or a cheap policy that meets a lease requirement. -
Liberty Mutual BestGuide rating: 4.2 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Drivers who want many coverage options and discounts from a large national insurer, and who will compare quotes at each renewal. -
Progressive BestGuide rating: 4.5 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Drivers with a DUI or other mark on their record, and shoppers who want to compare several prices online or buy through an independent agent.
Allstate, step by step
Get a quote
Quote online in minutes, call 855-863-8489, or work with a local agent. Have your address and household members ready.
Pick limits
Choose personal property and liability limits; Allstate suggests $25,000 and $100,000 as a starting point.
Add options
Schedule valuables, add identity theft restoration, or buy NFIP flood or earthquake coverage if you need it.
Bundle
Ask about the multi-policy discount if you have Allstate car insurance.
Claim
File online or in the app, send photos or a list of damaged items, and choose your payment method in My Account.
Allstate renters insurance legitimacy and licensing
Yes. Allstate renters policies are written by Allstate Indemnity Company, Allstate North American Insurance Company and affiliates in Northbrook, Illinois. AM Best affirmed an A+ (Superior) rating for Allstate’s core insurers on September 2, 2026. Allstate says it covers more than 1.7 million renters in all 50 states.
In J.D. Power’s 2026 renters satisfaction ratings, Allstate scored 667 out of 1,000 and tied with Farmers for 8th of 16, up from 13th in 2025 but below the 682 segment average. State Farm ranked first with 702.
How much is Allstate renters insurance?
Allstate advertises renters policies from $5 a month, based on the national average lowest monthly premium for its customers with Allstate North American Insurance Company. That figure reflects low coverage limits. Your price depends on your location, coverage limits, deductible and the value of your belongings, and Allstate notes rates are higher in states with more severe weather.
For comparison, Progressive cites a $13 to $27 monthly average from its 2025 data, and Lemonade advertises from $5 a month. Quote each with the same personal property limit, liability limit and deductible, and ask whether your belongings are covered at Replacement cost. A claim payout based on the cost of a new item, without subtracting depreciation. Compare renters insurance or actual cash value.
What Allstate renters insurance covers
The standard policy has four parts:
- Personal property protection: your belongings if stolen or damaged at home or away, such as a laptop stolen from a coffee shop.
- Family liability protection: costs if you are responsible for someone else’s injury or property damage.
- Guest medical protection: eligible medical bills if a guest is hurt in your home.
- Additional living expenses. Pays for temporary housing and extra costs if your rental becomes unlivable after a covered loss. Compare renters insurance: reasonable hotel, food and other costs if a covered loss makes your home unlivable.
Renters insurance does not cover the building, which is the landlord’s responsibility, or flood and earthquake damage. Jewelry, art, collectibles and cash have limits unless you add scheduled coverage. Allstate agents can add identity theft restoration, a personal umbrella policy, NFIP flood insurance and earthquake coverage.
What customers say about Allstate
Recurring themes across the review sites and complaint records listed above, not individual quotes.
Common praise
- Low starting price
- Easy online quote and app
- Helpful local agents
Common complaints
- Slow claims and low settlement offers (Allstate overall)
- Price increases at renewal
- Billing errors
- Long phone waits
How Allstate renters claims work
File a claim online, in the Allstate app or by phone, and you get a claim number to track it. Allstate reviews an itemized list or photos of damaged belongings, sends a settlement estimate based on your policy, and pays through the Claim Center in My Account. Keep receipts and photos of valuable items before anything happens, since proof of ownership speeds up the estimate. Allstate also offers building improvements coverage for upgrades you paid for in a rental, depending on your policy.
Complaints and what customers report
Allstate does not split its review data by product. Across Allstate, the BBB lists 3,894 complaints in three years and Trustpilot shows 1.3 out of 5, mostly about auto and home claims, price increases and billing. Renters-specific satisfaction is better measured by J.D. Power, where Allstate scored below average in 2026. If a renters claim is denied or underpaid, ask for the reason in writing and contact your state insurance department if you cannot resolve it.
Allstate renters insurance vs. landlord-required coverage
If your landlord requires coverage through its own program, that is usually not the same as renters insurance. Allstate notes those programs typically cover only damage to the rental property for specific perils, not your belongings. Most landlords accept proof of your own renters policy instead, so ask before you pay a monthly fee to the landlord.
Alternatives to Allstate
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Ranked first in J.D. Power's 2026 renters study and also sells through local agents.
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Same $5 starting price with an app-first experience and a higher J.D. Power score.
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Easy to bundle if your car insurance is with Progressive.
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Worth a quote if you are military-connected, since flood and earthquake may be included, depending on location.
Next steps
Allstate reviews
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Frequently asked questions
Is Allstate renters insurance good?
It is solid basic coverage from an A+ rated insurer, available in all 50 states. Customer satisfaction is below average in J.D. Power's 2026 study, so compare it with State Farm, Lemonade and Progressive.
How much is Allstate renters insurance a month?
Allstate advertises policies from $5 a month, which reflects minimal coverage. Your price depends on your location, limits, deductible and belongings.
What does Allstate renters insurance cover?
Personal property, family liability, guest medical and additional living expenses. It does not cover the building, flood or earthquake without separate coverage.
Does Allstate renters insurance cover theft outside my home?
Yes. Allstate says personal property protection can cover belongings stolen away from home, such as a laptop taken from a coffee shop or items in your car or a storage unit.
Does Allstate renters insurance cover water damage?
Allstate says renters insurance can cover water damage from plumbing leaks and malfunctioning furnaces, air conditioners or water heaters. Flood damage is excluded.
How much renters coverage do I need?
Allstate suggests many renters start with $25,000 of personal property and $100,000 of liability coverage. Add up the cost to replace your belongings before choosing.
Can I bundle Allstate renters and car insurance?
Yes. Allstate offers a multi-policy discount when you bundle renters with auto, though the amount varies by state.
How do I file an Allstate renters claim?
File online, in the app or by phone. Allstate reviews photos or a list of damaged items, sends a settlement estimate and pays through the Claim Center in My Account.
Is landlord-provided coverage the same as renters insurance?
Usually not. Allstate notes those programs typically cover only damage to the rental property for specific perils, not your belongings or liability.
Sources (10)
Facts on this page come from company websites, government agencies and regulators, checked on the dates shown. Editorial standards
- Allstate: Renters insurance (accessed October 12, 2026)
- Allstate: Renters claims (accessed October 12, 2026)
- Business Wire via Chronicle Journal: AM Best affirms credit ratings of The Allstate Corporation (September 2, 2026) (accessed October 12, 2026)
- Progressive: Renters insurance (accessed October 12, 2026)
- Lemonade: Renters insurance (accessed October 12, 2026)
- BBB: Allstate Insurance profile (accessed October 12, 2026)
- Trustpilot: Allstate reviews (accessed October 12, 2026)
- Apple App Store: Allstate Mobile (accessed October 12, 2026)
- USAA: Renters insurance (accessed October 13, 2026)
- Business Wire: J.D. Power 2026 U.S. Home Insurance Study, homeowners and renters rankings (Sept 15, 2026) (accessed October 13, 2026)
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