How to Change From Allstate Home Insurance to New Provider

Seeking a new homeowners insurance for better rates and coverage? Discover steps for a smooth shift to your ideal provider.
Switching Insurance Companies

Are you a homeowner looking to change your current Allstate homeowners insurance policy? The process of switching providers can seem daunting, but it doesn't have to be. With the right guidance and resources, you can successfully make the transition from one provider to another in no time.

We’ll share some helpful tips on finding a new homeowners insurance company and transferring your Allstate homeowners insurance policy smoothly and easily so that you're fully protected with your new coverage as soon as possible.

How Do You Compare Allstate Homeowners Insurance Rates to Other Companies?

Comparing Allstate homeowners insurance rates to other companies can help ensure that you receive the best value and coverage for your needs.

You should research different providers and compare their coverage plans and prices to get started.

When comparing various plans, make sure that the coverage is equivalent across all insurers. The coverage, deductible amounts, and overall policy limits can vary from provider to provider.

Once you have a few options in mind, consider additional discounts offered by each insurer and any non-financial benefits such as customer service ratings or digital tools available from the company.

Lastly, make sure to check reviews from current customers before making a switch to ensure that your chosen insurer has a good reputation for handling claims efficiently and fairly.

Doing research upfront will go a long way towards helping you switch to the best homeowners insurance company for your budget and needs.

Here are the homeowners insurance companies to consider and compare:

How to Switch from Allstate to Another Homeowners Insurance Company?

Switching from Allstate to another homeowners insurance company isn't always difficult, but it's important to be aware of some key considerations before making your switch.

When researching new insurers, there are several things you should consider:

  • Financial strength of the insurer – this will determine how likely they can pay out claims in the event of a disaster;
  • Coverage options – make sure the policy you choose covers all of your needs;
  • Discounts offered – many insurers offer discounts for bundling policies or having safety devices installed;
  • Customer service record – look at reviews online or ask friends/family about their experiences with different companies;
  • Claims process – make sure you understand the process for filing a claim and what type of documentation will be required.

Financial Health & Coverage

First and foremost, you'll need to evaluate the different companies you're considering and ensure they have the coverage you need at a price that fits your budget.

When comparing providers, look into the financial health of each insurer.

A good way to do this is by checking out ratings from independent agencies like Standard & Poor’s or A.M. Best Company. These ratings can indicate how well an insurance company has been doing financially over time and whether they are likely to remain stable in the future.

Another factor to consider when switching insurers is the customer service and overall claims experience with each provider. This can help give you an idea of what kind of customer service and claims processing experience you may have with a particular insurer.

Compare the Best Homeowners Insurance Companies
CompanyPropertyNest RatingJ.D. Power (out of 1,000)A.M Best RatingBBB Rating
Lemonade4.5870*Not RatedB+
American Family4.5842AA
Erie Insurance4.5827A+A+
Liberty Mutual4.5805AA+
State Farm4.5829A++A+
Progressive4.0819*A+Not Rated

You should also review each policy closely before signing up, as coverage levels (such as deductibles, limits, and types of coverage) vary from one provider to another.


Additionally, asking questions about discounts offered by the new insurer can help lower your monthly premiums while providing adequate home coverage.

Contact Your Current Insurance Provider

Finally, don't forget to contact your existing provider before signing any new contracts with another insurer. Allstate may offer special switch policies that allow customers to switch without penalty if certain conditions are met. Make sure you know all the details before making a switch, so there are no surprises down the line.

Once you've done your research and decided which homeowners insurance company is right for you, make sure that you inform both Allstate and your new provider of your switch in writing or via email to avoid any misunderstandings or disputes down the road.

With proper preparation and due diligence, switching from Allstate to another homeowners insurance company doesn't have to be difficult.

How to Cancel Your Allstate Homeowners Insurance Policy?

Canceling an Allstate homeowners insurance policy is straightforward, but you should follow several important steps to ensure a smooth transition and avoid potential penalties.

First of all, you must inform Allstate in writing that you intend to cancel your policy. This can be done by sending a letter or email outlining your intention. Be sure to include your full name, address, policy number, date of cancellation, and why you’re canceling.

Next, obtain proof of coverage from your new insurer. This will help prevent any gaps in coverage between cancellation and switch-over dates when filing future claims.

You may also be eligible for a refund on unused premiums if your switch date is before the end of the policy term. To receive this refund, you’ll need to submit evidence of your switch, such as a copy of the new policy and an explanation for canceling the Allstate policy early.

Finally, make sure that you know when your switch-over date is so that you don’t have gaps in coverage from one insurer to another.

You should also keep track of payment dates and amounts for both providers during this period to ensure no payments are missed, or overdrafts occur due to confusion over who has responsibility for payment at any given time.

By following these steps when switching from Allstate homeowners insurance to another provider and providing proper notice, you can easily cancel your policy without penalty and switch over to a more suitable provider without worry.

How to Get a Refund From Allstate Homeowners Insurance?

In order to get a refund from Allstate homeowners insurance, you must switch to another policy before the end of your existing policy's term.

You will need to provide evidence of your switch, such as a copy of the new policy and an explanation for canceling the Allstate policy early. Once this information is provided, you may be eligible for a refund on any unused premiums.

Additionally, be sure that all payments are tracked between providers to ensure no payments are missed, or overdrafts occur due to confusion over who has responsibility for payment at any given time.

How Do You Find the Best Homeowners Insurance Company?

Finding the best homeowners insurance company to switch to can be a daunting task.

It is important to research your options thoroughly and compare different plans, coverage options, and prices from multiple providers.

The first step is to determine what type of coverage you need and any additional features that are important for your specific situation.

When evaluating different companies, it is important to consider factors such as customer service ratings, digital tools available, payment terms, and discounts offered by each insurer.

You should also look into the financial strength of the insurer so that you can be sure they are able to pay out claims if necessary.

Additionally, it is always wise to read reviews from existing customers in order to get an understanding of their experiences with the company.

Finally, once you have narrowed down your list of potential insurers based on research, coverage needs, and cost comparison – make sure that you read through all policy documents carefully in order to fully understand what exactly is covered in each plan before making a switch.

Taking this time upfront will help ensure that any future claim issues are dealt with swiftly and efficiently by a reliable provider that you trust.


Switching homeowners insurance from Allstate doesn't have to be difficult—all it takes is some research into potential insurers, followed by an easy transfer process.

Gathering quotes from multiple companies ahead of time will help ensure that you get the best deal possible while still getting adequate coverage for all of your needs.

Ruth Shin
About the author

Ruth Shin is the Founder and CEO of PropertyNest. She shares in-depth insights on real estate, personal finance, and home improvement drawing from her experience as a licensed real estate agent, editing personal finance publications, and managing many home renovation projects. Ruth graduated with a BA from Hunter College in Writing, History, and Special Honors.