Allstate Canada, owned by The Allstate Corporation, is a well-known name in the insurance industry, particularly in the US. So, it often comes as a surprise to find out that Allstate home insurance is available in Canada.
However, purchasing home insurance from Allstate is different than what you might be used to. Instead of offering the option to buy online directly, Allstate operates through 60 local agencies in select provinces, meaning you’ll need to contact an agent directly to purchase a policy. Given this structure, the pros and cons of Allstate home insurance are somewhat unique, making it all the more important to weigh them before making your final decision.
| Pros | Cons |
| In-person service | Cannot checkout online |
| Widely recognized name in insurance | Available in select provinces |
| Assistance with claim-related repairs | Limited to Allstate products and pricing |
| Offers a disappearing deductible | Reviews vary by agent |
✅ In-person service
It is becoming increasingly rare to find in-person service, and yet Allstate offers face-to-face services for those who prefer a traditional approach. Just remember that these local agents only sell Allstate products, so it will be entirely up to you to do your due diligence and ensure you’re getting the best value.
❌ Cannot checkout online, phone call or in-person visit required
With Allstate Canada, you cannot buy home insurance online. While you can get a quote through their website, the only way to buy it is through a local agent, which will require a phone call or an in-person visit.
✅ Widely recognized name in insurance
As part of The Allstate Corporation – one of the largest insurance organizations globally – Allstate Canada carries the reputation and financial backing of a well-established institution. This association may provide Canadians with added confidence in its ability to meet its obligations to policyholders.
❌ Available in select provinces
Allstate home insurance is available in some provinces but not all. As of April 2025, coverage is available to homeowners, condo owners, and tenants living in Alberta, Ontario, Quebec, New Brunswick, and Nova Scotia.
✅ Assistance with claim-related repairs
Should you need to file a home insurance claim with Allstate, their claims team can set you up with a pre-approved network of service providers. They will handle the initial contact and provide details about the damage and your coverage to help facilitate repairs, thus alleviating some of the work that would traditionally be your responsibility.
❌ Limited to Allstate products and pricing
Allstate home insurance is underwritten by Allstate Insurance Company of Canada, meaning you’re limited to their coverage options, pricing, and discounts. In contrast, a broker like YouSet compares multiple insurers, increasing your chances of finding the best possible price.
✅ Offers disappearing deductible option
Allstate offers a disappearing deductible, which lowers your deductible for each consecutive term you remain claims-free. However, this feature is not automatically included in every home insurance policy. You’ll need to either add it or select a coverage package that includes it.
❌ Reviews vary by agent
Since Allstate Canada operates through a network of regional agents, online reviews can vary significantly. Although this makes it challenging to gauge the company’s overall reputation, their website does provide review ratings for each individual agent, allowing you to evaluate the specific agent you would have to work with.
Allstate vs. YouSet home insurance
While getting a home insurance quote from Allstate is a good starting point, the only way to know for sure if it’s the best possible price out there is to compare it with quotes from other providers, like YouSet.
Since 2017, YouSet has been making it easier for Canadians to buy home and car insurance online. Why spend hours manually comparing quotes when our proprietary technology can do it all for you in less than 4 minutes? Not only that, but we’ll also have Canada’s top insurance providers competing for your business, ensuring you get the best price year after year. With over 300,000 users and an average online review rating of 4.9 stars, YouSet is a broker well worth considering.
Best price year-after-year
YouSet’s algorithms are designed to do one thing - find you the best price. Not just the first time you buy, either. If your price increases at renewal, we’ll alert you and even help you re-shop with another carrier.
Highly reviewed by Canadians
With an overall rating of 4.8 out of 5 stars on Google, the general consensus among YouSet users is that YouSet is making it easier to find affordable insurance and buy it online at the best price year after year.
Transparent renewals
Anytime a YouSet insurance policy comes up for renewal, our team will make sure you’re paying the best price possible for your policy. If that’s no longer working, we’ll help you re-shop another carrier for a better deal.
Buy, manage, and renew your policy online
How much easier would it be if you could purchase a policy, personalize it to fit your needs, make modifications to it, and renew it, all without having to make any phone calls or wait on hold? With YouSet, you can do all that and more with our self-serve features.
Mix-and-match approach to bundling
YouSet is the only digital broker in Canada that automatically compares the cost of bundling home and car insurance from a single carrier against the cost of mix-and-matching home and car carriers. Whichever option offers the maximum savings is the one we present to you.
