Moving into a new apartment can be an exciting and nerve-wracking time, and it comes with a lot of new life changes and challenges. While it may not be top of mind during the process, renters insurance is an important part of making sure your new home is protected in case of a break-in, burst pipe, or any number of potential emergencies that could end up costing you well over a month's rent.

Your personal belongings within your apartment likely aren't protected unless you have at least standard renters insurance.

Your landlord is responsible for covering the building itself, and any items they own in the building, such as washers and dryers, or other appliances that might've been furnished for you. They aren't responsible for your personal items, even if they happen to be damaged due to a burst pipe, fire, or other covered perils.

A renters policy provides you with a financial safety net so you aren't left trying to replace your personal belongings entirely out of pocket in the event of a disaster.

There is a variety of renters insurance providers, including one of the nation's largest insurers — Allstate Insurance Company. One Cleasurance user commented on their experience with this company by saying, “So far best insurance I've had. Had a leak in my apartment due to a broken pipe. They helped me get back on my feet asap.”

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What is Allstate renters insurance?

Allstate renters insurance ranked 4th in Clearsurance’s best renters insurance of 2019, coming out ahead of several other renters insurance companies. This company, whose mission is to keep its policyholders “in good hands,” is one of the largest companies in America, providing many different lines of insurance. Allstate's score from consumers on Clearsurance is better in this category than either its car or its homeowners score as of publication.

The company offers a wide variety of insurance products and policy types, including renters insurance. Allstate renters insurance covers a variety of different possible losses with a variety of coverage to protect against any insured peril.

There is personal property coverage for whatever may happen to your belongings, such as a fire or theft, reimburses your living expenses if your home becomes uninhabitable, provides liability coverage if a guest gets injured in your home and sues, and many other optional add-ons.

Medical payments coverage is often included in the renters insurance policy to pay for smaller medical expenses regardless of who was at fault. For example, if a guest slips on your property and endures an injury, the medical coverage will pay for the medical expenses.

Additional living expenses coverage offers financial protection if you can't live in your home due to property damage. If your home becomes uninhabitable due to natural disasters, or other causes of loss, this type of coverage will pay for extra expenses such as hotel bills, restaurants meals, and other expenses.

The company offers identity theft restoration coverage as well as additional coverage in other areas for an additional cost. For example, you can get additional protection for valuable items or other personal items that may not be covered under the normal policy.

There are different coverage options available when purchasing personal property coverage that affect the cost of your policy. For instance, if you wanted to insure a particularly expensive item, like a piece of jewellery, you can purchase a rider that goes beyond what regular personal property coverage entails.

Overall, users say Allstate is fairly inexpensive with one Clearsurance user saying, “Allstate is cheap and extremely helpful. They're always willing to talk to you and explain their policies.”

What do Clearsurance users say about Allstate renters policies?

As of July 2019, the company has a Clearsurance score of 4.12 from customer reviews. (For the most up-to-date customer ratings, visit our ranks to compare renters insurance companies).

Renters insurance can be confusing and hard to understand, and it can be stressful especially if you have to file claims. You want to know if you have to file an insurance claim in the event of the unknown, it will be handled efficiently, and you'll get what you paid for.

More than 17 %of users discussed how helpful the company was when reviewing their policy, and more than 12 % discussed the ease of the process. Less than 0.5% talked about a claim dispute with customer service when reviewing their experience with the company. The majority of the reviews discuss customer satisfaction.

Does Allstate have good renters insurance for college students?

Many Cleasurance users wrote about having renters insurance coverage for themselves or their child while they lived in a college apartment or dorm. Colleges typically aren't responsible for stolen or damaged property in dorms, just as landlords aren't responsible for those items in their rental properties. Renters insurance for college students is typically very affordable; Allstate advertises on its website it can be equal to the cost of “your morning latte.”

One Clearsurance user said this about purchasing coverage for her son while he was in college, “I had my son's apartment under renter's insurance while he was in college. It was an excellent idea because he had several claims of theft. There were no problems with the claims process except a little slow.”

Based on this feedback, it would be worth it to get a renters insurance quote from Allstate if you are a college student. Renters insurance coverage will protect your personal items from damage or theft while you rent an apartment.

Does Allstate offer renters insurance discounts?

Allstate has many different ways to save on your renters insurance premium. You can get a discount of up to 15% on your policy if your home is equipped with a security system, fire alarm, or other safety features. You can also get a discount on your renters coverage if you haven't had to make a claim since purchasing the policy (claim-free discount), or if you're age 55 or older.

The biggest way to save money is by bundling multiple types of policies with the same company. This is often called a multi-policy discount. If you already have an auto policy with Allstate, you can add a renters insurance policy at an extremely low cost.

One Clearsurance user said they saved big by bundling their Allstate auto and renters insurance policy, writing, “Allstate has given us a great deal on renter's insurance, something we didn't know we needed. Bundling renter's insurance with our auto insurer has saved us money as well. Although we haven't had to make a claim, we feel confident that Allstate is the "go to" place for renter's insurance!”*

How Can Allstate renters insurance help you?

While some landlords require their tenants to purchase a renters policy, even those who aren't required should still consider buying some types of coverage for protection. Insurance policies like these can provide peace of mind and, in the event you need to make a claim, they can provide you with the money needed to repair your belongings, replace them, or even offset some additional living expenses.

You may expect to never have a claim, but renters insurance policies can save you when you least expect it.. One Clearsurance user said Allstate renters insurance was vital in helping them after their apartment was robbed: “While I'm still unhappy that my apartment was burglarized, I can say that ALLSTATE did a good job giving me replacements of my losses quickly and without much hassle. The rate was beyond reasonable for the coverage I got and I will NEVER regret having renter's insurance - it's a necessity. You think your home is safe because your neighbors are nearby, but no.... either way, ALLSTATE is caring, professional, reasonable and worth it.”

All in all, it is a small price to pay for the peace of mind that comes with being covered. Being covered in the case of a break-in or other disaster can take a large financial burden off your shoulders, and allow you to focus on other things, like fixing your rental property or saving for a home. Learn more about why people choose Allstate by reading reviews, and write a review if you’ve had an experience you want to share with the Clearsurance community.

For more options, visit Clearsurance's rankings page. This page will show you a live list of the best renters insurance companies in your state based on customer reviews.

The content on this site is offered only as a public service to the web community and does not constitute solicitation or provision of legal advice. This site should not be used as a substitute for obtaining legal advice from an insurance company or an attorney licensed or authorized to practice in your jurisdiction. You should always consult a suitably qualified attorney regarding any specific legal problem or matter. The comments and opinions expressed on this site are of the individual author and may not reflect the opinions of the company or any individual attorney.