home insurance made simple
TRANSCRIPT
Forimportantinformation,disclosuresandlimitations,clickhere.
D10236e ©2010AllstateInsuranceCompany,northbrook,IL OurPrODuCTS|FAQs|DOWnLOADPDF
COnTACTyOurAgenT
oPtioNsdeductiblescoverages
Homeowners Insurance
made simple
Knowledge is power.
Allstatewantsyoutofeelmoreknowledgeableandconfidentaboutyour
homeinsurance.ThiseBrochuresummarizeshowAllstate® Homeowners
Insurancehelpsprotectyouandyourfamilyinmanykindsofsituations.
BylookingthroughthiseBrochure,youcanlearnmoreabout:
»Coverages»Deductibles»Optionalcoverages
OurPrODuCTS|FAQs|DOWnLOADPDF
oPtioNsdeductiblescoverages
An overview of homeowners insurance
Allstate® HomeownersInsuranceprotectsyouandyourfamilyinmanykinds
ofsituations.Learnaboutthefourbasicwaysyou’recoveredwithanyAllstate
homeownerspolicybyrollingovertheimagebelow.
overview
Dwelling&OtherStructures
PersonalProperty
PerilsCovered
OtherWaysyou’reProtected
COnTACTyOurAgenTHomeowners Insurance
made simple
Forimportantinformation,disclosuresandlimitations,clickhere.
D10236e ©2010AllstateInsuranceCompany,northbrook,IL
other structures suchasagarageorstorageshedaretypically
coveredunderyourpolicy.
Personal Property suchasfurnitureandothercontentsare
typicallycovered.
Your dwelling (thehouseitself)iscoveredunderyourpolicy.
Family liability Protectionhelpsprotectyouifsomeone
suesyoufordamagesafter
beinginjuredonyourproperty.
OurPrODuCTS|FAQs|DOWnLOADPDF
oPtioNsdeductiblescoverages
Dwelling & Other Structures
yourhomemaybeyourmostimportantasset.AnAllstatehomeownerspolicy
protectsitintwoways:
Overview
dwelling & other structures
PersonalProperty
PerilsCovered
OtherWaysyou’reProtected
COnTACTyOurAgenTHomeowners Insurance
made simple
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
oPtioNsdeductiblescoverages
COnTACTyOurAgenTHomeowners Insurance
made simple
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.
OurPrODuCTS|FAQs|DOWnLOADPDF
COnTACTyOurAgenT
oPtioNsdeductiblescoverages
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
OurPrODuCTS|FAQs|DOWnLOADPDF
oPtioNsdeductibles
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.
D10236e ©2010AllstateInsuranceCompany,northbrook,IL OurPrODuCTS|FAQs|DOWnLOADPDF
Deductibles
Adeductibleistheamountofmoneyyouagreetopaytohelprepairor
replaceyourcarifyouhaveaclaimcoveredbyyourpolicy.
oPtioNsdeductiblescoverages
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.
D10236e ©2010AllstateInsuranceCompany,northbrook,IL OurPrODuCTS|FAQs|DOWnLOADPDF
oPtioNsdeductiblescoverages
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
oPtioNsdeductiblescoverages
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
oPtioNsdeductiblescoverages
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
oPtioNsdeductiblescoverages
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