Comparing Homeowners Insurance: Allstate VS State Farm

Oct 20 2020

Whether you’re looking to buy your very first home and researching your first homeowners insurance policy or hoping to find a better insurance provider than the one you’re currently with, it’s important to compare your options. Here, we’ll take you through a little about what we know about Allstate and State Farm insurances. We don’t have any allegiance to either, and so what we have to say will be completely honest. We’re not going to make the choice for you, but we will provide you with the facts so you can make that big decision for yourself.

As insurance providers, Allstate and State Farm have a lot of similarities with some differences here and there.  Before we go into the comparisons, check out our Allstate vs State Farm chart:

Allstate vs State Farm insurance

What’s the Difference Between Their Standard Policies

Allstate is known for having a decent standard policy that covers fire and smoke damage, theft, vandalism, weather damage, and even pool damage. It also includes personal property coverage and guest medical coverage. Mold is also covered if it’s the result of a water damage and only if it was reported immediately. Roof leaks are also covered but not if it is the result of neglect. Termite damage is also considered to be the result of negligence, and so it’s not covered on the standard policy.

State Farm’s standard policy seems to cover more things overall than Allstate. Like Allstate, it covers water damage, fire damage, theft, vandalism, certain water damage situations, personal property protection and liability coverage. However, it does also include loss-of-use coverage which pays for temporary lodging and dining should the homeowner need to be displaced for repairs.

Most restorative services are covered at least partially by most standard policies. For example, Rapid Restoration will work with you and your insurance company to make the necessary repairs. Some of the services we offer that would most likely be covered in a standard Allstate or State Farm insurance policy include

What are Some of the Separate Policies Available?

Allstate and State Farm may offer similar policies that can be added onto an insurer’s plan, but they may also have some different policies that may interest you based on your lifestyle. With Allstate, some of their additional policies pertain to water backup, business property, sports equipment, yard and garden, and musical instrument coverage. On the other hand, State Farm offers separate policies for flood damage, earthquake coverage, water backup, sump pump overflow, fraud loss, and coverage for jewelry and collectibles.

When picking out your insurance provider, make sure to evaluate your lifestyle. Are you a musician with valuable instruments you wouldn’t be able to easily replace in the case of a disaster? If so, Allstate may be your best pick. If your house comes with a sump pump or if you live in an earthquake prone area, then looking at State Farm might do you well.

A Word from Rapid Restoration

kitchen restoration
As restoration professionals who see many homes damaged by harsh weather, burst pipes, and many other reasons, we can tell you that it’s very important to have a good home insurance policy. It can save you time, money, and stress. No matter who your insurance provider is, Rapid Restoration will be here for you the moment you experience any form of damage to your home.

If you find yourself in need of our services and curious about how to go about working with your current insurance company, click the following button.

The Insurance Process

You can also compare Allstate and State Farm insurance companies yourself by visiting their individual websites.


State Farm

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