Allstate Car Insurance & Allstate Home Insurance

Optional coverage

Overview

Comprehensive

Covers the cost to replace or repair your vehicle after a collision with another car or object.

Collision/upset

Covers the cost of damage from non-collision related risks, such as theft, windshield damage, and falling objects.

Specified perils

Covers the cost of damage from certain risks listed on your policy (e.g. theft, fire).

All perils

A combination with coverage for both comprehensive and collision risks. 

Claims forgiveness

Prevents your first claim from increasing the cost of your auto insurance. 

Disappearing deductible

Decreases your deductible for every consecutive term you go without making an insurance claim.

Ticket forgiveness

Prevents your rates from increasing in the event you receive a minor offense ticket. 

Loss of use

Covers the cost of temporary travel (e.g. taxi, rental car) while your car is being repaired.

Damage to non-owned vehicle

Protects you financially against damage to a vehicle that isn’t yours (e.g. rental car). 

Waiver of depreciation

Ensures you’re paid out the full value of your vehicle within its first 3 years.

Discount

Qualifications

Take two advantage discount

If you bundle both your auto and home insurance under Allstate.

Multi-vehicle discount

If you have multiple vehicles insured with Allstate. 

Group discount

If your company or association qualifies for Allstate’s Group Hands Insurance program.

Vehicle safety discount

If your vehicle has special safety features, such as collision warnings and park assist cameras (AB, ON, and NS only). 

New vehicle discount

If your new car was recently purchased in the last three years (QC only). 

Occupational discount

Depending on your profession, Allstate may give you a discount on insurance (AB only). 

Anti-theft discount

If your car has a device for anti-theft tracking or vehicle marking (QC only). 

Private parking discount

If you store your car in a private parking space, such as a driveway (ON only). 

Winter tire discount

If you switch to designated winter tires during the winter season (ON and AB only). 

Farmers’ discount

If your vehicle is designated for pleasure use on a farm (AB and NS only). 

Good student driver discount

If a driver under the age of 25 in your household has good enough grades (ON and AB only).

Away at school discount

If an occasional driver listed on your policy lives away from home for school (ON only).

Retiree discount

If you’re older than the age of 65 (ON only).

Renewal discount

If your car has been insured with Allstate for three years or more (ON, NB, and NS only).

Ticket forgiveness discount

Also listed as an optional coverage, this add-on prevents your rate from increasing after receiving a minor driving offense ticket.

Drivewise discount

As Allstate’s form of usage-based insurance, the Drivewise app tracks your driving behaviour, resulting in lower rates.

Driver training discount

If you complete a recognized driver’s education course as a new driver (ON, AB, and NS only).

Optional coverage

Overview

Claims forgiveness

Prevents your home insurance premium from increasing after you make a claim.

Disappearing deductible

Decreases your deductible every consecutive term you stay claims-free.

Personal articles floater

Extends your contents insurance to cover expensive valuables, such as jewellery. 

Home business endorsement

Provides coverage for the risks of your at-home business (regular home insurance does not cover commercial claims).

Natural disasters (earthquake)

Protects you financially against damage from earthquakes.

Water damage

Enhances your water coverage to protect you against sewer backup and overland flooding.

Home replacement cost guarantee

Guarantees a payout equivalent to your property’s repair or rebuild value, even if the claim exceeds your coverage limit.

Single limit of insurance

Allocates extra coverage from one section of your policy to compensate another underinsured section (e.g. using your contents insurance for property damage).

Insurance discount

Qualifications

Take two advantage discount

If you bundle your Allstate home insurance with an Allstate car insurance policy. 

New home discount

If your home is new enough, you may receive a discount on your coverage.

Security systems discount

If you install monitored security systems or fire alarms. 

Group discount

If your company or association qualifies for Allstate’s Group Hands Insurance program.

Mature/retired customer discount

If you’re of retirement age, Allstate may offer you a special discount on insurance.

Liberty home security systems discount

If you install a Liberty Security system, you can get an extra 10% off your rate (ON, AB, NB, and NS only).

Claim-free discount

If you’ve stayed claims-free for one year or more.

Mortgage-free discount

If you don’t have an existing mortgage on your property. 

Water protection device discount 

If you install a special system to detect water leakage.