Our rankings, ratings, and product reviews are unbiased. We do not rank or rate products or services based on our financial relationships with the companies that produce them. Our in-house research team collects extensive information used in our evaluation process, although we may not cover all options available in the marketplace. See our full . Key Takeaways * USAA’s standard coverage includes replacement cost coverage and identity theft coverage. * USAA isn't selling policies to new customers in California due to wildfire risks. * To purchase a policy, you must be an active duty military member, a veteran, or a qualifying family member. Allstate vs. USAA Allstate (No. 3) and USAA (No. 1) rank highly in our study of the companies. Keep in mind that USAA is only available to active duty military members, veterans, and their qualifying families. Both insurers offer standard homeowners insurance policies that cover dwelling, other structures, personal property, and personal liability coverage. However, replacement cost coverage and identity theft coverage are standard. Allstate offers both coverages as add-ons. Allstate offers more discounts than USAA, but both have multi-policy, claim-free, loyalty, and protective device discounts. Allstate is available in 49 states and Washington, D.C., but isn't currently writing new policies in California. USAA is available nationwide, but coverage varies by location. Do Allstate and USAA Cover Mold? Both companies cover mold caused by a covered peril, like a burst pipe. However, if your home has mold due to improper maintenance or flooding, then it won't be covered. Do Allstate and USAA Cover Roof Leaks? Allstate and USAA will cover roof leaks caused by covered perils, like a storm or hail. However, if you have roof leak damage due to a lack of maintenance, such as not replacing old tiles, then it won't be covered. Also, keep in mind that if you live in an area prone to natural disasters, like hurricanes or floods, then you may need separate coverage. Do Allstate and USAA Cover Termite Damage? Neither company covers termite damage because it's considered preventable with proper maintenance. However, if termite damage causes a covered peril, like an electrical fire, then the fire damage may be covered. Do Allstate and USAA Cover Water Damage? Both insurers cover sudden and accidental water damage, such as a burst pipe. However, water damage caused by a lack of maintenance won't be covered. Also, water damage caused by flooding won't be covered unless you have a separate flood insurance policy. Do Allstate and USAA Offer Homeowners Insurance Bundling? Both companies offer savings when you bundle your homeowners policy with another policy. You can save up to 25% when you bundle your home and auto policies with Allstate. USAA customers can save up to 10% when bundling their home and auto policies. Allstate Homeowners Insurance Information 4.3 **U.S. News** Rating Monthly Cost: $184.15 Pros: * Ranks No. 3 in our best homeowners insurance companies rating * Vast network of local agents Cons: * Availability varies by location * Must purchase a policy with an agent Quote Access: Online Estimate Multi-policy Discount Available: Bundling Discount: Up to 25% Allstate ranks No. 3 in our rating of the best homeowners insurance companies. Its standard homeowners insurance covers dwelling, liability, other structures, and guest medical coverage. Allstate offers various optional coverages, including identity theft restoration, water backup, scheduled personal property, business property, green improvement reimbursement, and electronic data recovery. The insurer offers several ways to save on your premium, including the following discounts: multi-policy, claim-free, early signing, and protective devices. Coverage is available in 49 states and Washington, D.C., but new policies aren't being sold in California. USAA Homeowners Insurance Information 4.9 **U.S. News** Rating Monthly Cost: $193.44 Best Home and Auto Insurance Bundle * Various coverage options available * Replacement cost and identity theft coverage are standard * Only available to active duty military members, veterans, and qualifying family members * Can't purchase a policy online Quote Access: Online Estimate Multi-policy Discount Available: Bundling Discount: Up to 10% USAA ranks No. 1 in our study of the best homeowners insurance companies. A USAA standard homeowners insurance policy covers dwelling, other structures, personal property, loss of use, and personal liability. Its standard policy also includes coverages that are typically add-ons with other companies, such as replacement cost coverage and identity theft coverage. It also covers uniforms and equipment for active-duty members. The insurer offers fewer discounts than other companies, but it does offer discounts for bundling, remaining claim-free, and having an alarm system. The insurer is available nationwide, but you must be a member of the military, a veteran, or a qualifying family member. FAQ Customers can reach Allstate online through MyAccount or the Allstate Mobile app. The company also has a 24/7 support chat. To speak to an agent, call (800) 726-6033. You can reach USAA at (800) 531-8722 or dial #USAA (#8722). Customers can also reach out for help through their website or mobile app. Allstate offers a number of other insurance products, including: * Boat * Pet * Events * Landlord * Voluntary employee benefits * Identity protection * Protection plans * Retirement and investment plans * Digital footprint * Pay-per-mile insurance USAA offers a variety of insurance products in addition to homeowners insurance, including: * Boat * Condo * Rental property * Umbrella * Small business * Cyber * Travel * Dental * Vision * Individual and family health

Allstate vs. USAA Homeowners Insurance

The article compares Allstate and USAA homeowners insurance policies, highlighting differences in coverage, pricing, availability, and discounts. USAA offers standard replacement cost and identity theft coverage, and is available nationwide to active duty military members, veterans, and qualifying family members. Allstate ranks No. 3 in a U.S. News rating, with a monthly cost of $184.15, and offers more discounts including up to 25% savings when bundling home and auto policies. Allstate is available in 49 states and Washington, D.C., but does not write new policies in California. USAA ranks No. 1 in the same study, with a monthly cost of $193.44, and offers up to 10% savings on bundling. Both insurers cover mold from covered perils, roof leaks from storms or hail, and sudden water damage, but exclude damage due to lack of maintenance or flooding. Neither covers termite damage directly, though fire damage from termite activity may be covered. Both offer bundling discounts and have online quote access, with customer support available via app, website, or phone.