Allstate Renters review

Allstate pairs a $5 starting price with national reach: its renters page says coverage is available in all 50 states and that it has more than 1.7 million renter customers. The standard policy has four parts: personal property protection for belongings stolen or damaged at home or away, family liability protection, guest medical protection and additional living expenses if your home becomes uninhabitable. Allstate suggests $25,000 of personal property and $100,000 of liability as a starting point for many renters, a useful benchmark when comparing quotes. Add-ons cover the gaps in a standard policy, including jewelry insurance, identity theft restoration, a personal umbrella, earthquake cover through a local agent, and flood cover through the National Flood Insurance Program. You can quote online or call, and bundling with Allstate auto lowers the price. The $5 figure is footnoted, so treat it as a floor rather than a typical premium. We compared documented features and published prices.

Who it is for

Renters who want a low starting price plus the option of a local agent anywhere in the U.S.

Price

From $5 a month; price depends on location, coverage and belongings.

Coverage is available in all 50 states, with policies starting at $5 per month*, and options to customize for personal property, family liability, guest medical and temporary housing.
Quoted from the vendor pricing page on November 9, 2026.

Key features

• Personal property protection at home and away, including theft from places such as a coffee shop
• Family liability protection, including pet injury and legal bills if you are sued
• Guest medical protection and additional living expenses after a covered loss
• Optional flood (through the NFIP), earthquake, jewelry, identity theft and umbrella cover
• Bundle discount with Allstate auto

Strengths and weaknesses

• Strength: Sold in all 50 states
• Strength: Starts at $5 a month, tied for the lowest published price
• Strength: Allstate says it has more than 1.7 million renter customers
• Weakness: Allstate's $5 figure carries a footnote; most quotes will be higher
• Weakness: Earthquake cover is quoted through a local agent rather than online
• Weakness: Flood cover is a separate NFIP policy

Key facts

• Starting price: $5 a month
• Availability: All 50 states
• Suggested starting limits: $25,000 property, $100,000 liability
• Renter customers: 1.7 million+
• Core coverages: Property, family liability, guest medical, living expenses

Where it ranks

Allstate Renters is No. 2 in our Best Renters Insurance verdict.