home insurance made simple

For­important­information,­disclosures­and­limitations,­click­here.

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Homeowners Insurance

made simple

Knowledge is power.

­­­Allstate­wants­you­to­feel­more­knowledgeable­and­confident­about­your

home­insurance.­This­eBrochure­summarizes­how­Allstate® Homeowners

Insurance­helps­protect­you­and­your­family­in­many­kinds­of­situations.­

By­looking­through­this­eBrochure,­you­can­learn­more­about:

»­Coverages»­Deductibles»­Optional­coverages

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An overview of homeowners insurance

Allstate® Homeowners­Insurance­protects­you­and­your­family­in­many­kinds

of­situations.­Learn­about­the­four­basic­ways­you’re­covered­with­any­Allstate

homeowners­policy­by­rolling­over­the­image­below.

overview

Dwelling­&­Other­Structures

Personal­Property

Perils­Covered

Other­Ways­you’re­Protected

COnTACT­yOur­AgenTHomeowners Insurance

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For­important­information,­disclosures­and­limitations,­click­here.

D10236e­ ©2010­Allstate­Insurance­Company,­northbrook,­IL

other structures such­as­agarage­or­storage­shed­are­typically

covered­under­your­policy.

Personal Property such­asfurniture­and­other­contents­are

typically­covered.

Your dwelling (the­house­itself)is­covered­under­your­policy.

Family liability Protectionhelps­protect­you­if­someone

sues­you­for­damages­after

being­injured­on­your­property.

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Dwelling & Other Structures

your­home­may­be­your­most­important­asset.­An­Allstate­homeowners­policy

protects­it­in­two­ways:

Overview

dwelling & other structures

Personal­Property

Perils­Covered

Other­Ways­you’re­Protected

COnTACT­yOur­AgenTHomeowners Insurance

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For­important­information,­disclosures­and­limitations,­click­here.

D10236e­ ©2010­Allstate­Insurance­Company,­northbrook,­IL

Dwelling­Protection covers­the­home­you­live­in­and­other­structures

attached­to­it­such­as­a­garage,­porch­or­deck.

Other­Structures­Protection covers­other­buildings­on­your­property­that

are­separate­from­your­home,­such­as­a­stand-alone­garage­or­a­shed.

if your home or garage is damaged,your­homeowners­insurance­can­help­you

repair­or­replace­it.

For­important­information,­disclosures­and­limitations,­click­here.

D10236e­ ©2010­Allstate­Insurance­Company,­northbrook,­IL

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COnTACT­yOur­AgenTHomeowners Insurance

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Personal Property

Allstate® Homeowners­Insurance­includes­coverage­that­can­help­you­pay­for:

•­Losses­that­occur­in­your­home­such­as­burglary­or­fire

•­Loss­­­­­­­­es­that­occur­away­from­home­such­as­in­a­hotel­

Keep­in­mind­that­a­deductible­will­apply.

Personal­Property­Protection­covers­the­loss­of­your­belongings*

if­they’re­stolen­or­damaged.

Our­PrODuCTS­­|­­FAQs­­|­­DOWnLOAD­PDF

Overview

Dwelling­&­Other­Structures

Personal Property

Perils­Covered

Other­Ways­you’re­Protected

*Personal­Property­is­an­insurance­term­that­includes­most­of­the­contents

of­your­home.­Throughout­this­e-brochure,­when­we­refer­to­belongings­or

items,­we­assume­it’s­Personal­Property­that­is­covered­under­your­policy.

if your belongings are stolen from yourhome or destroyed by fire, your­homeownersinsurance­can­help­you­replace­them.

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Perils Covered

Allstate® Homeowners­Insurance­typically­covers­a­range­of­perils,­such­as:

•­Falling­objects

•­Freezing­of­plumbing

•­Car­crash­into­home

• Water­damage­from­­­

plumbing,­furnace/AC­­­­­­

or­water­heater

Homeowners Insurance

made simple

•­Theft

•­Fire­and­smoke

•­Windstorm­or­hail

Overview

Dwelling­&­Other­Structures

Personal­Property

Perils covered

Other­Ways­you’re­Protected

Your homeowners insurance can helpprotect your home and­personal­property

from­a­range­of­perils­–­including­fire.

For­important­information,­disclosures­and­limitations,­click­here.

D10236e­ ©2010­Allstate­Insurance­Company,­northbrook,­IL

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Other Ways You’re Protected

Allstate® Homeowners­Insurance­protects­you­and­your­family­in­ways­you

might­not­expect.­In­most­cases,­all­three­of­these­coverages­are­included­

in­any­Allstate­homeowners­policy.

Additional­Living­expense­reimburses­you­for­reasonable­increases­in

living­expenses­(such­as­rent,­hotel­and­food)­when­a­loss­we­cover

makes­your­home­uninhabitable.

Family­Liability­Protection­can­help­pay­for­repairs,­medical­expenses

and­legal­costs­if­you­or­a­family­member­accidently­damages­someone’s

property­or­injures­another­person.

guest­Medical­Protection­can­help­pay­for­reasonable­and­necessary

medical­expenses­(including­surgery,­x-rays­and­dental­work)­if­a­guest­is

injured­on­your­property­and­it’s­not­covered­by­Family­Liability.­

coverages

Overview

Dwelling­&­Other­Structures

Personal­Property­

Perils­Covered

other Ways You’re Protected

COnTACT­yOur­AgenTHomeowners Insurance

made simple

if someone injures himself on yourproperty, your­homeowners­policy­mayhelp­you­pay­for­their­injuries.

For­important­information,­disclosures­and­limitations,­click­here.

D10236e­ ©2010­Allstate­Insurance­Company,­northbrook,­IL

For­important­information,­disclosures­and­limitations,­click­here.

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Deductibles

A­deductible­is­the­amount­of­money­you­agree­to­pay­to­help­repair­or­

replace­your­car­if­you­have­a­claim­covered­by­your­policy.

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tip:

When­available,­choosing­a­higher­deductible

usually­means­a­lower­insurance­premium.

Example: A candle falls in the living room and starts a fire. It will cost $5,000to replace the damaged furniture and drapes.

COnTACT­yOur­AgenTHomeowners Insurance

made simple

Damage:

$5,000

For­important­information,­disclosures­and­limitations,­click­here.

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Optional Coverages

Losses­such­as­flooding,­earthquakes­and­water­(sewer)­backups­are­excluded­from­most­Allstate® Homeowners­Insurance.

But­you­may­be­able­to­enhance­your­protection­by­adding­coverages­to­your­policy­or­purchasing­a­separate­policy.

COnTACT­yOur­AgenTHomeowners Insurance

made simple

available as add-ons

extended coverage on jewelry,watches and furs

scheduled Personal Property

identity theft restoration

Water backup

separate policies you can purchase

Flood insurance

Personal umbrella Policy (PuP)

Increases­limits­for­jewelry,­watches­and­furs.

Provides­increased­limits­for­appraised­personal­property­such­asjewelry,­cameras,­antiques,­recreational­equipment­and­more.­

If­your­identity­gets­stolen,­this­coverage­can­help­with­legal­work,phone­calls­and­lost­wages.

Helps­cover­damage­from­backed­up­drains­or­broken­sump­pumps.

your­Allstate­Agent­can­help­you­purchase­a­separate­policy­throughthe­national­Flood­Insurance­Plan­(nFIP).­Or­call­1-800-ALLSTATe.

If­someone­sues­you­over­an­accident­and­the­settlement­exceeds­theliability­limits­on­your­auto­and/or­home­insurance,­this­coverage­canhelp­protect­your­assets.

For­important­information,­disclosures­and­limitations,­click­here.

D10236e­ ©2010­Allstate­Insurance­Company,­northbrook,­IL

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your­Allstate­Agent­can­help­you­determine­the­homeowners­insurance­coverage­that's­right­for­you

and­find­ways­to­save­you­money.­

And­with­our­range­of­innovative­insurance­and­financial­products,­your­Allstate­Agent­can­also­help

you­protect­your­lifestyle.­­

Other­Protection­Options»­Personal­umbrella­Policy­

»­Scheduled­Personal­Property

»­Identity­Theft­restoration

»­Allstate­Motor­Club®

Financial­Protection»­Life­insurance

»­education­funds

»­retirement

»­Banking­and­savings

Power­Sports­Insurance»­Motorcycle

»­Snowmobile

»­Boat

»­Motor­home

»­ATV

Business­Insurance»­Business­auto­and­fleet

»­Property­and­liability

»­Specialty­insurance­programs

»­Supplemental­insurance­

for­the­workplace

Call or e-mail your Allstate Agent today.

Home­Insurance»­House

»­Condo­

»­renters

»­Manufactured­home

»­Landlords­Package­Policy

Auto­Insurance­» your­Choice­Auto® featuring:­

Accident Forgiveness, Safe Driving

Bonus® Check, Deductible Rewards®

and New Car Replacement

»­Standard­auto

Our­PrODuCTS |­­FAQs­­|­­DOWnLOAD­PDF

COnTACT­yOur­AgenTHomeowners Insurance

made simple

For­important­information,­disclosures­and­limitations,­click­here.

D10236e­ ©2010­Allstate­Insurance­Company,­northbrook,­IL Our­PrODuCTS­­|­­FAQs |­­DOWnLOAD­PDF

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Q: What is ReimbursementExtended Limits?A:­reimbursement­extended­Limits

extends­coverage­beyond­the­limit

stated­in­your­policy­for­your­Dwelling

and­Other­Structures­coverages.­In

most­states,­this­extra­coverage­is­up

to­120%.­So­for­example,­if­you­had­a

limit­of­$100,000­for­your­Dwelling

Coverage,­you­could­be­reimbursed­up

to­$120,000­for­a­covered­loss.­This

coverage­could­come­in­handy­if­a

large­storm­or­situation­in­your­area

increases­the­demand­for­building

supplies.­If­prices­go­up­unexpectedly,

the­amount­needed­to­repair­or­replace

your­home­could­also­go­up.­

Q: I’m traveling to Europe thissummer. Will my personal propertycoverage protect me if my wallet orluggage gets stolen?A:­yes,­as­long­as­you­take­reasonable

steps­to­secure­your­property,­your

Allstate­homeowners­insurance­covers

your­wallet,­luggage­and­other

belongings­from­theft­anywhere­you

travel,­up­to­the­Personal­Property

limits­of­your­policy.­Just­be­sure­to­file

a­police­report­as­you­would­at­home

and­keep­all­documentation­of­the­loss.­

Q: My home is worth a lot more thanthe Dwelling Coverage limit shownon my coverage. Why is that?A:­The­amount­of­coverage­for­your

Dwelling­is­based­on­the­amount­it

would­cost­to­reconstruct­the­building

from­the­ground­up.­It­does­not­take­into

consideration­the­value­of­your­land­–

which­in­some­areas­is­a­big­part­of­the

total­value­of­your­property.­

Q: I have some things in a storagelocker. Are they covered under myAllstate homeowners policy?A:­In­most­cases,­personal­property­you

keep­at­a­storage­facility­is­covered

property­under­your­homeowners­policy.

Keep­in­mind­that­a­deductible­and­an

additional­limit­may­apply.

Frequently asked questions.

COnTACT­yOur­AgenTHomeowners Insurance

made simple

For­important­information,­disclosures­and­limitations,­click­here.

D10236e­ ©2010­Allstate­Insurance­Company,­northbrook,­IL Our­PrODuCTS­­|­­FAQs­­|­­DOWnLOAD­PDF

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Please­note­that­this­is­only­a­summary­of­homeowners­insurance,­written­to­illustrate­in­general­terms­how

homeowners­insurance­works.­your­insurance­policy­is­the­legal­contract­that­contains­the­terms­and­limitations­of

your­coverage.­you­should­carefully­review­the­contents­of­your­policy.­All­products­and­coverages­are­subject­to

availability­and­limitations.­Whether­an­accident­or­other­loss­is­covered­is­subject­to­the­terms­and­conditions­of

your­insurance­policy.

Allstate­your­Choice­Auto®,­Accident­Forgiveness,­Deductible­rewards®,­Safe­Driving­Bonus® Check,­and­new­Car

replacement­are­optional­and­subject­to­terms­and­conditions.­nOT­AVAILABLe­In­eVery­STATe.­Patent­pending.

Deductible­rewards­apply­to­collision­coverage.­In­ny­and­PA,­deductible­amount­will­not­go­below­$100.­Safe­Driving

Bonus­Check­is­not­available­in­every­state­and­may­not­be­available­for­renewal­customers­until­next­policy­period.

Amounts­less­than­$5­will­be­applied­to­renewal­bill.­Safe­Driving­Bonus­is­optional­and­subject­to­terms­and­conditions.

Policy­issuance­is­subject­to­qualifications.

Certain­property­and­casualty­insurance­offered­through­Allstate­Insurance­Company,­Allstate­Indemnity­Company,

Allstate­Property­and­Casualty­Insurance­Company­and­Allstate­Fire­and­Casualty­Insurance­Company:­northbrook,­IL;

Allstate­County­Mutual­Insurance­Company:­Irving,­TX;­Allstate­new­Jersey­Insurance­Company:­Bridgewater,­nJ.­Life

insurance­and­annuities­offered­through­Allstate­Life­Insurance­Company­and­in­ny,­Allstate­Life­Insurance­Company­of

new­york.­Please­contact­your­Allstate­Agent,­call­1-800-ALLSTATe­or­visit­allstate.com­for­complete­information­on

other­products­and­services.

COnTACT­yOur­AgenTHomeowners Insurance

made simple