Allstate HouseAndHome
Premium homeowners policy with real perks for going claim-free. Baseline price is high but claim rewards and hazard rebates recover some of it.
Use this page as a benchmark, not as a guaranteed quote or eligibility promise. The price, rate, fee, coverage, or feature set can change with location, customer profile, promotional timing, scope, and provider terms. Compare the current source disclosure before you buy or sign.
FairPrice Guru keeps the benchmark separate from the provider's marketing. A higher price is not automatically unfair when it buys more coverage or a better scope, and a lower headline price is not automatically better when fees, restrictions, or missing features change the real cost.
Price and terms
- Monthly price: $178
- Annual price: $2,136
- Deductible: $1,000
FairPrice score: 79/100
Coverage
HO-3 with claim-free rewards
Features
- Claim-free rewards
- Home hazard rebates
- Digital locker for possessions
- Water backup add-on
Pros
- Great for long-term owners with no claims
- Strong add-ons
- Wide agent network
Cons
- Expensive baseline
- Rate jumps after any claim
Best for
- homeowners
- claim-free
Official source · Last verified 2026-07-04