We offer different coverage options to help you get the protection you need. Check out the coverage descriptions below to learn more.

Dwelling: pays for damage to your insured home due to a covered loss, like lightning or fire.

Contents Coverage: provides protection for covered loss to your movable property, like a stereo, bicycle, furniture or clothing.

Additional Living Expenses: if a covered loss makes your home (or part of your home) uninhabitable, this coverage helps you pay the reasonable increase in living expenses necessary to maintain your normal standard of living.

Family Liability: if someone is accidentally injured or their property is damaged in a covered incident, this coverage provides protection for damages that you are legally obligated to pay. This protection does not cover auto liability claims.

Buy what you need – No more, no less.

Allstate homeowners insurance can cover the basics. But maybe you have some special needs – more liability coverage for your family or extra protection for your wedding ring. That’s where optional coverages can be helpful. You get to decide what’s right for you, what you need to protect your family and your home. Take a minute to look at some examples of optional coverages listed below.

Optional Endorsements: include coverage for a variety of specific needs.

- Jewelry
- Sports equipment
- Business property

You can get a list of available endorsements from us.

Make life a little easier.

With The Good Hands Network, you choose how you want to work with us: through our office, Allstate.com, or 1-800-Allstate. You can ask questions, file a claim, request policy changes and more. And you can do all of this 24 hours a day, 7 days a week.

Speaking of insurance.

Most people have heard of these common insurance words. But here’s a helpful refresher course on what the mean.

Covered Peril: an event causing damage to your home or property that is covered by your insurance. Fire, lightning, and wind and hail damage are some examples of covered perils.

Deductible: the amount of repair or replacement costs that you’re responsible for paying before insurance pays.

Endorsement: changes the language of your policy. It may add to or restrict your current coverages, limits or policy terms.

Limit: the maximum amount that may be paid by your insurance company for a covered loss.

Policy: another name for your insurance contract. Your policy includes your policy jacket, declarations pages, and applicable endorsements.

Insurance available only from select companies and subject to qualifications. Other terms, conditions, limitations and exclusions may apply. This information is a brief description; this is not a contract. Please read the appropriate insurance policy for details, including limitations and exclusions.

Please call us at 405-751-4865 (toll-free at 877-751-4865)

Or e-mail us at if you have additional questions homeowners insurance from Allstate.