Musical instruments: Similarly, you can purchase additional coverage for your instruments that may be costly to repair or replace.Scheduled personal property: This coverage enhances protection for valuables that have been appraised, such as fine jewelry or antiques.Water backup: This optional add-on covers water damage from a broken pipe or sump pump overflow.Here’s a quick overview of the optional coverages Allstate offers: These add-ons allow you to enhance your coverage and mold your policy to your needs. Additional CoverageĪllstate stands out for offering more endorsements than most providers. These coverages can be purchased for traditional, mobile and manufactured homes. Guest medical protection: Similarly, this coverage can offset medical expenses if someone is injured while on your property.Liability: If you (or someone living in your home) are responsible for someone’s property damage or injury, liability coverage can help with legal or medical bills.Loss of use: Also called additional living expenses (ALE) coverage, this part of your policy pays for housing, dining and other basic living expenses if your house is being repaired after a covered event.You can often increase coverage amounts for valuable items.
Dwelling: Home insurance pays to repair or replace your home when a covered incident, such as a hailstorm, fire or burglary, is to blame for damage or loss.Allstate offers the home insurance coverages below in its standard plan:
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