Insuring Your Home's Structure
Protection for the Roof Over Your Head
Your family’s security primarily depends on having a safe, comfortable place to live.
Your policy will contain a description of your home’s structure and a list of excluded events. If something happens, you can make a claim.
Structures vary so widely that a different policy is required for each type of home.
- A Condo policy typically covers interior structures like wallboard and lighting fixtures. Depending on your state, your association by-laws, and insurer, external walls will not be covered.
- A Home’s entire structure is covered along with sheds and detached garages.
- A Manufactured Home’s entire structure is usually covered, while sheds and garages may require an optional policy.
- A Renters policy usually has no physical structure coverage at all, but it does provide essential liability and contents coverage.
Most insurance companies offer coverage for the same events that may damage the structure of your home, including fire, smoke, lightning, wind, hail, frozen plumbing, theft, explosion, vandalism, the weight of ice and snow, and a few others.
View common and costly claims in your area - click here
An agent can explain the events that would not be covered by your specific policy when it comes to your home’s structure. Typically, floods and earthquakes are excluded from basic policies, but you may be able to get insurance for those with separate policies. A few other conditions most companies specifically exclude are mold, fungus, wet rot, dry rot and bacteria.
Please see the disclaimers below.
Any potential exclusions/limitations shown on this site are intended to be hypothetical examples and educational in a general nature only. They are not intended to represent an exhaustive list of actual exclusions present or not present in any Allstate policy. Carefully read your policy as the definitions, coverages and limitations contained in your policy supersede any information provided on this website.
Excess Flood Insurance coverage may currently be available but only in the following states: Alabama, Alaska, Arizona, California, Colorado, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Louisiana, Maine, Maryland, Michigan, Mississippi, Nevada, New Jersey, New York, North Carolina, Ohio, Oregon, Pennsylvania, Rhode Island, South Carolina, Texas, Virginia, Washington. In order to qualify for an Excess Flood Insurance Policy, you first need to purchase a National Flood Insurance Policy through Allstate. Excess Flood Insurance is provided by one or more insurance carriers not owned by or affiliated with Allstate Insurance Company. Excess Flood Insurance is subject to availability and qualifications. Other terms, conditions and exclusions may apply. Contact your local Allstate agent to find out whether Flood Insurance coverages are available in your area.