08/12/2026
🏡 A few reasons we love Allstate’s home insurance product…
Home insurance isn’t just about having coverage—it’s about how that coverage actually works when you need it. Here are a few of our favorite features:
✨ Replacement Cost Coverage
Your home, roof, and personal belongings—like furniture, clothing, and electronics—can be covered at replacement cost, meaning depreciation isn’t deducted when you need to replace your items.
✨ Claim Forgiveness
One of our favorites! With this optional feature, Allstate can waive the surcharge for one qualifying home claim every five years. A claim surcharge can potentially impact your premium for years, so this can be a valuable protection to have.
✨ Talk to Your Agent BEFORE Filing
Not sure if damage is worth filing a claim for? Call us first. We can talk through your deductible vs. the estimated damage, discuss your options, and help you decide whether filing a claim makes sense—before a claim is opened.
✨ Lower Deductible Options
As more carriers move toward higher or percentage-based deductibles, Allstate still offers options like $1,000 or $2,000 deductibles.
Your home is probably one of your biggest investments. Make sure you know what your policy actually covers. 👏
📲 Want a second opinion on your current home insurance?
Give us a call or email us a copy of your current policy. We’ll review it for free and show you how your coverage compares.
McGuire Insurance Agency | Allstate
📞 425-563-7251
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