⚡ Quick Verdict
STATE FARM WINS FOR:
- ✓ Lower average rates
- ✓ Better claims satisfaction
- ✓ No dog breed restrictions
- ✓ Largest agent network
ALLSTATE WINS FOR:
- ✓ Claim-free bonus checks
- ✓ Identity theft protection
- ✓ New roof replacement coverage
- ✓ More customization options
Head-to-Head Comparison
| Factor | State Farm | Allstate | Winner |
|---|---|---|---|
| Avg. Annual Premium | $1,890 | $2,340 | State Farm |
| NAIC Complaint Index | 0.82 | 1.15 | State Farm |
| AM Best Rating | A++ | A+ | State Farm |
| J.D. Power Home | Above Avg | Below Avg | State Farm |
| Bundle Discount | ~23% | Up to 25% | Tie |
| Dog Breed Restrictions | None | Yes | State Farm |
| Claim-Free Rewards | No | Yes | Allstate |
| Identity Protection | Add-on | Included | Allstate |
Coverage Comparison
State Farm Coverage
- Standard HO-3: Dwelling, personal property, liability
- Personal Articles Policy: High-value items (jewelry, art)
- Identity Restoration: Available as add-on
- Home Systems Protection: Covers mechanical breakdowns
- Service Line Coverage: Underground pipes/wires
Allstate Coverage
- Standard HO-3: Dwelling, personal property, liability
- Roof Replacement: Full replacement regardless of age
- Identity Theft: Included in many policies
- Green Improvement: Eco-friendly rebuild coverage
- Claim-Free Bonus: Cash back for no claims
Important for Dog Owners
State Farm is unique: They don't restrict coverage based on dog breed. Most insurers (including Allstate) won't cover homes with pit bulls, Rottweilers, or other "dangerous breeds."
State Farm
No breed restrictions. Coverage based on individual dog's history, not breed.
Allstate
May deny coverage or exclude liability for certain breeds. Varies by state.
FAQs
Which is better for bundling?
Both offer ~25% bundling discounts. State Farm's lower base rates mean the bundle is typically cheaper overall. However, if you value Allstate's unique perks (claim-free bonus, identity protection), the higher cost may be worthwhile.
Who has better claims service?
State Farm consistently scores higher on J.D. Power claims satisfaction and has a lower NAIC complaint index (0.82 vs 1.15). State Farm is generally the better choice if claims experience is your priority.
The Bottom Line
State Farm wins for most homeowners. Lower rates, better claims satisfaction, stronger financial rating, and no dog breed restrictions. Choose Allstate if you specifically want claim-free bonus checks, included identity protection, or their roof replacement coverage.