Allstate Home & Auto Insurance in Texas: The Facts

Texas · A brand name is not a limit

Allstate is a personal-lines company, founded in 1931. In Texas the useful comparison is still 30/60/25, the hail deductible in dollars, and whether the roof pays replacement cost. The slogan is not a claim payment.

Freedom Insurance Group is not an Allstate captive office. An independent agency can submit one risk to more than one market. That does not guarantee Allstate will write the ZIP, and it does not guarantee a lower price. Match bodily injury and property damage on every quote. The Texas floor is $30,000 per person, $60,000 per accident, and $25,000 property damage. Collision and comprehensive are separate. A lender usually wants both. Hail on the car uses the comprehensive deductible. Uninsured motorist coverage and personal injury protection are offers you accept or reject in writing. Telematics can raise or lower the price. It is not a fixed percent off.

On the house, Coverage A is rebuild cost, not the sale price. A percentage hail deductible is a percent of that limit. Two percent of $450,000 is $9,000, an example only. Other structures, including many detached buildings, often start near 10% of Coverage A. Contents are often a percentage too. TDI’s example is a $100,000 house at 20%, which is $20,000 of contents, not a rule that every policy uses 20%. Loss of use pays extra living costs after a covered peril makes the home unlivable. It does not pay the mortgage by itself. Flood is excluded. An umbrella pays only after the underlying liability limits are used up. A review page is not a ranking and not an AM Best score.

The same page in Spanish: Allstate, los hechos. A structured overview, not a score: Allstate review. Auto: car insurance in Texas and qué cubre. The house: dwelling, other structures, loss of use, and liability. What the homeowners form leaves out: flood and umbrella. How to shop: Texas homeowners and a buying guide.

Compare Allstate the same way you compare anyone else: same limits, same deductible, same roof settlement. Ask an agent or get a quote.