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Home insurance

Home insurance

Get quality home insurance coverage You’re in Good Hands® with an Allstate home insurance policy

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Manage and pay your home insurance anywhere, anytime, with online.myallstateapp

Be able to view and update all of your policy details in one convenient place. With the myAllstate app, you will be able to pay your bills or make changes to your coverages, limits and deductibles online.  A dedicated team You’re in Good Hands with Allstate®. Our dedicated local insurance agents are here to help you with any questions you have. Excellent claims service We’ll give you quality claims service and personalized attention. We’re ready to answer any questions you have about the claims process. You can contact our claims team 24 hours a day, seven days a week.

Property insurance that fits your family’s needs

There’s no place like home. It’s a place of comfort and the centre of your family life. It’s where you keep the things you treasure. That’s why your home and property need the best protection. Your local Allstate agent is here to help find the coverage you need from the many types of house insurance policies in the market.   We offer these types of property insurance policies

   Allstate agents understand how hard you’ve worked to make your house a home. That’s why you deserve a home insurance policy as unique as your lifestyle. At Allstate, we tailor each policy to each homeowner’s insurance needs. Our agents will work with you to make sure you get the best protection for you and your property. Contact us today to get a free online home insurance quote. 

Home insurance coverage and policies

Shopping for the right home insurance policy can be hard. Don’t worry! Your local Allstate agents are here to give you the right information and help you sort through the many homeowners’ insurance options. We also offer many extra features that help you save money and increase the value of your coverage.

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Additional features & benefits - insurance that works for you

Your choice home®

You can add features like Claim Forgiveness, Disappearing Deductible and personalized options to your home insurance policy (one personalized option is free with a VIP Package).

Water damage

As water damage is the leading cause of claims in Canada, you want to make sure your home is covered. That’s why every Allstate property insurance policy has water coverage included. Standard home insurance policies cover water damage caused by burst pipes or appliances. However you may need enhanced water protection for sewer backup or overland flooding issues. Find out more about Water Damage coverage in your province, contact an Allstate agent today.

Additional coverage

Allstate offers additional coverage that can be purchased. This includes coverage for earthquake damage; personal articles; water protection coverage (not available in all locations); a home business; and/or property in a storage facility.

Claim forgiveness*

At Allstate, we understand that accidents can happen. That’s why your property insurance rates won’t go up if you report a claim.

Disappearing deductible**

We want to ensure you receive the best coverage and features without the burden of a high premium. That’s why your deductible decreases every consecutive term you go without a claim, until it disappears.

Personal articles floater

While a standard home insurance policy covers personal property claims, there are some special cases where consumers may wish to purchase additional coverage where limits on certain categories apply. You may want to consider adding a Personal Articles Floater to your policy for certain valuables, like jewellery or expensive sporting equipment, which may exceed typical personal property coverage limits.

Home business endorsement

With more and more people working from home, Allstate is not ready to provide additional insurance coverage for your home business needs. Personal liability and property insurance don’t cover home-based businesses, so ensure you get the extra coverage you need by reviewing your home insurance with one of our agents.

Earthquake endorsement

While insurance policies cover home fires, lightning strikes, windstorms and hail, earthquakes are not typically covered. However you can purchase an endorsement to protect against damage caused by earthquakes. Talk to a local Allstate insurance agent for more information.

Home replacement cost guarantee

This endorsement provides added peace of mind if your property loss claim exceeds the amount of coverage on your dwelling or private structures (determined by our Replacement Cost Calculator). If the damage exceeds your policy’s limits, we will cover the costs to repair or rebuild your home. For example, if you have $300,000 coverage on your dwelling, and the cost of rebuilding your home due to a loss is $350,000, Allstate will pay the additional $50,000. That’s why it’s very important to tell us about any renovations you’ve done to ensure your home and contents are properly insured.

Single limit of insurance

This endorsement allows you to “borrow” unused coverage from one part of your home insurance policy to pay for losses under another part. For example, if you have $100,000 in coverage for the contents in your home and a fire destroys all of your belongings valued at $125,000, you may be able to claim a portion or all of the $25,000 ($125,000 minus $100,000) from other sections of your home policy, if they have not been fully exhausted as a result of the same claim.

Personalized features

This option provides extra coverage for your favourite pastimes. Find out about our Golf Package, Ski & Snowboard Package, and more. We even offer Identity Theft & Legal Expense Coverage and coverage for students living away from home. You can buy these options with Allstate’s Your Choice Home®, condo or tenant insurance (one personalized option is free with a VIP Package). Learn more about Allstate’s Personalized feature.

This option provides extra coverage for your favourite pastimes. Find out about our Golf Package, Ski & Snowboard Package, and more. We even offer Identity Theft & Legal Expense Coverage and coverage for students living away from home. You can buy these options with Allstate’s Your Choice Home®, condo or tenant insurance (one personalized option is free with a VIP Package).

Learn more about Allstate’s Personalized feature.

Home and property discounts

Buying a house is one of life’s biggest expenses but insuring your home shouldn’t have to be. Allstate understands how hard it is to find the right home insurance provider. Allstate is the insurance company that has your back by providing affordable home insurance. How to save on home insurance:

Reduce the cost of your house insurance premium with a variety of discounts and saving opportunities with Allstate. If combining home and auto insurance, you could benefit from Allstate’s multi-policy discount. You may qualify for a homeowners insurance discount if you have installed home security systems or fire alarms. For more information, check out our discount page  or contact an Allstate agent to see if you are eligible. Tailor your insurance coverage with Allstate

Allstate offers three Your Choice Home packages that provide different levels of coverage:

Allstate personalized options

FAQ

How much insurance do I need for my home?

It depends on the value of your home’s physical structure and the value of all of your personal property (e.g. furnishings, clothing, appliances, entertainment systems, etc.). Our agents will assist in calculating the value of your home through our home insurance rate calculator, which helps determine the limit needed for your policy. 70% of that value is also available for your contents and personal belongings, while 10% of that value is available for coverages for detached structures (like garages, sheds etc.) Take a thorough inventory of your possessions to ensure you have an accurate value. There are limits and exclusions that apply to your personal property, so be sure to check with your insurance company about how much coverage is right for you.

I have liability coverage on my auto policy, why do I need it on my home policy too?

Your auto liability protects you if you are in an accident and you’re held legally liable for injury or death to other people. It also covers damage to their vehicle or property. The personal liability coverage on your home covers you at home or anywhere in the world for bodily injury to others or if you accidentally cause damage to another person’s property. For example, if a visitor slips on your driveway and you are found legally responsible, you would be covered for the damages.

What impacts my home insurance premium?

Replacement cost – the size and composition or your home as well as your contents are the factors that will impact the cost to replace your home and belongings. Where you live – if your neighborhood is more prone to break-ins, you may pay more for insurance. Proximity to a water source such as a fire hydrant or fire station. Age of roof – newer roofs (within the last 20 years) are preferred by insurers. Heating – there is far less risk with forced-air gas furnaces or electric heat than oil tanks. Oil tanks have the potential to cause costly environmental hazards. Improperly installed wood stoves are a source of house fires and carbon-monoxide poisoning. Electricity – there are several factors such as: whether you have breakers or fuses the type of wiring you have (breakers pose less risk than fuses; knob and tube wiring can increase the chance of fire) Pipes – older plumbing (galvanized or lead pipes) is more prone to cracking, leaking or other problems. Other factors – insurers will also take into account whether you have a monitored security system or fire alarm. They’ll also ask about swimming pools and other structures on your property such as a storage shed.

What happens if I have to make a claim?

Property Claims: Allstate’s Claims team is here for our customers day or night to help you get on with your life as simply as possible. Visit Claims to find out how to report a claim and for contact numbers by province.

How can I reduce my home insurance premium?

Keeping your home secure pays off. If you install a home security system and/or a monitored fire alarm, you may qualify for discounts. You can also lower your premium by choosing a higher deductible. If you insure your home and auto with Allstate you can also save.

How can I keep my property protected from fires?

Household fires can be devastating. They cause significant damage, destroy valuable possessions and claim many lives each year. Allstate recommends the following tips to help keep your home and family safe: • Install smoke detectors on every floor and change batteries regularly. • Keep a fire extinguisher on every floor. • Don’t leave cooking unattended. • Never pour water on a grease fire. • Don’t plug too many appliances into one outlet. • Frequently inspect and clean chimney flues and your furnace.

As Canadians, we’ve experienced some extreme weather conditions in the past few years. If something happens, what should my family do in case of an emergency?

Every home should have an emergency preparedness kit to help ensure you and your family are able to get through the first 72 hours of an emergency. Allstate recommends including items such as: • Non-perishable food and water • Flashlight and extra batteries • A basic tool kit • First aid kit • Hygiene supplies • Clothing and footwear • Battery-powered radio • Blankets, towels • Prescription medications, infant formula • Copies of essential family documents and records You should also prepare a plan with your family and practice what you will do in the event of an emergency. The plan should cover items such as: • Safe exits from your home or neighborhood • Where you will meet if separated • An emergency contact person • A trusted, designated person to take care of children or pets if you are unavailable Post your plan in a common location and practice it with your family to ensure it runs smoothly. Allstate provides Additional Living Expenses to assist in your alternative accommodation if required after a loss by a covered peril.

Every home should have an emergency preparedness kit to help ensure you and your family are able to get through the first 72 hours of an emergency. Allstate recommends including items such as:

• Non-perishable food and water • Flashlight and extra batteries • A basic tool kit • First aid kit • Hygiene supplies • Clothing and footwear • Battery-powered radio • Blankets, towels • Prescription medications, infant formula • Copies of essential family documents and records

You should also prepare a plan with your family and practice what you will do in the event of an emergency. The plan should cover items such as:

• Safe exits from your home or neighborhood • Where you will meet if separated • An emergency contact person • A trusted, designated person to take care of children or pets if you are unavailable

Post your plan in a common location and practice it with your family to ensure it runs smoothly. Allstate provides Additional Living Expenses to assist in your alternative accommodation if required after a loss by a covered peril.

Why are insurance companies interested in how a home is heated?

If you have an oil-heated home, a leak could be a costly environmental hazard, so your insurance company will want to know details about the age and condition of your tank. Improperly installed or maintained wood stoves are a common source of house fires and carbon monoxide poisoning. It’s important to speak to your insurance company before buying or renting a home with a wood-burning stove.

My teenager is going away to college. Do I need additional insurance for their personal belongings?

As a dependent and student temporarily living away from home, the personal property your teenager takes to college or university would be covered under your homeowner’s policy. But, the amount of coverage available depends on the type of policy you purchase. Allstate offers additional coverage for students living away from home. Find out more today.

What is a “shared common area” in a condo?

Your condo corporation contract will indicate the common areas for your condo complex. Generally, common areas are considered to be any areas outside your unit, like the parking lot, lobby, pool, and recreation centre. Refer to your condo corporation contract or office for further details.

Does my home insurance policy cover my valuable possessions such as jewelry or artwork?

Yes, but for limited amounts of coverage. You may want to consider buying a Personal Articles Floater which provides all risk coverage for theft. This will also reimburse you for misfortunes, like a stone that falls out of a ring.

Do I really need tenant insurance if I don’t own my apartment?

You may be renting, but all of your furnishings, electronics and other personal belongings are certainly valuable to you. Tenant insurance not only covers your personal possessions, it also provides personal liability coverage in case someone is accidentally hurt while visiting you. It also provides coverage if you accidentally cause damage to the rental property.

Frequently asked questions

If you need to make a claim, Allstate has a highly experienced claims team available 24/7 to guide you through the process.

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Legal

Terms and conditions apply. Coverage, perils, discounts, and availability may vary by region. This contains information about coverage offered by Allstate but does not list all of the conditions and exclusions which apply to the coverage described. The wording of the actual policy and local law will govern. For more information on coverage, perils, discounts and availability, please contact your local agency or 1-800-allstate. * Rates will not be increased or surcharged if insured submits no more than one claim every six years ** Claim Forgiveness does not protect your Disappearing Deductible. **The impact for this change varies by postal code (contact your agent to learn more).  

Terms and conditions apply. Coverage, perils, discounts, and availability may vary by region. This contains information about coverage offered by Allstate but does not list all of the conditions and exclusions which apply to the coverage described. The wording of the actual policy and local law will govern. For more information on coverage, perils, discounts and availability, please contact your local agency or 1-800-allstate. * Rates will not be increased or surcharged if insured submits no more than one claim every six years ** Claim Forgiveness does not protect your Disappearing Deductible. **The impact for this change varies by postal code (contact your agent to learn more).  

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