Dwelling Coverage: Dwelling coverage helps protect the physical structure of your home, like the walls, roof and any attached decks or garages. Another type of coverage is Other Structures protection for additional buildings on your property such as sheds or detached garages.

Personal Property Coverage: Personal property coverage can help protect the items in your home, like your furniture. Your belongings are likely worth much more than you might think, and if they’re damaged or lost, personal property coverage could help you cover the cost of replacing them.

Family Liability Coverage: Family liability protection can help if you or one of your family members is found legally responsible for another person’s injuries or damage to someone else’s property.

Guest Medical Protection: Guest medical coverage is included on most residential insurance policies and can help pay for medical bills of a guest that is accidentally injured on or around your property. Accidents happen, and guest medical insurance can help you be prepared.

Claim-Free Rewards: Savings for switching to Allstate claim-free plus get 5% back every year you stay that way.

Claim Protection If you add this feature to your policy, your rates won’t go up just because of a claim*. Deductible Incentives: Earn up to $500 off your home deductible, starting with $100 the day you sign up. You’ll get $100 off every year you remain claim-free.

Water Backup: Coverage that can help protect against water damage caused by your drain backing up or your sump pump breaking.

Scheduled Personal Property: Increased protection for valuables like jewelry, home electronics, or fine antiques.

Sports Equipment Coverage: Additional coverage to help protect sports gear like golf clubs, ski equipment, kayaks and more.

Going Green Incentive: Coverage that can help pay you back for the additional cost of replacing damaged or destroyed covered items with more energy-efficient items after a loss.

Yard and Garden: Expanded coverage for items like trees, landscaping, riding lawnmowers and more.

Electronic Data Recovery: Savings for switching to Allstate claim-free plus get 5% back every year you stay that way.

Musical Instruments: Expanded insurance coverage for items like guitars, violins and more.

What is typically covered? A standard homeowners policy typically covers many types of unfortunate and unexpected events, such as fire and smoke, lightning, wind, hail, frozen plumbing, theft, explosion, vandalism, falling objects, and water damage from plumbing, furnace, air conditioner, or water heater.

What Is Not Usually Covered? Protection from damage caused by floods and earthquakes is typically excluded from home insurance policies. You may be able to purchase a separate flood insurance policy or an earthquake insurance policy to help safeguard your home. Discuss with your agent what your policy does and does not cover.

Be sure to ask us about these other property insurances:

• Renters Insurance
• Landlord Insurance
• Condo Insurance
• Mobile Home Insurance
• Flood Insurance