Car insurance office

Let us steer you through your options
Many people are put off by the task of selecting a car insurance policy. There are so many factors to think about. To top it off, each province requires a certain level of car insurance coverage. No need to worry. Allstate agents are here to help you find the type of policy that fits your needs.

Mandatory car insurance coverage
Liability Coverage
Protects you if you are in an accident and you are held liable for the injury to or death of other people. It also covers damage to their vehicle or property.

Accident Benefits
Covers medical bills, rehabilitation, funeral costs, and loss of income due to disability (not applicable in Quebec).

Direct Compensation Property Damage
Covers you for damage to your vehicle and to property inside it when another motorist insured in your province is responsible for the accident. (Ontario, New Brunswick and Nova Scotia).

Our most popular auto insurance coverage
Collision or Upset
Covers the cost of repair or the replacement of your car (up to its actual value less your deductible) if you have a collision with another car or an object such as a tree or guiderail.

Covers windshield damage and other damage to your car due to theft, vandalism, fire, falling objects, lightning, explosion, or impact with an animal.

Specified Perils
Covers certain damage to your car by such dangers as fire and lightning, theft or attempted theft, windstorm, earthquake, hail, explosion, riot or civil unrest, falling aircraft or parts of an aircraft.

All Perils
Combines the protection provided by Collision and Comprehensive coverages.

Other optional coverages we offer
Claim Forgiveness
Your first claim is on us. Your rates will not go up.*

Disappearing deductible
Your deductible goes down every consecutive term you go without a claim until it disappears.**

Ticket Forgiveness
Your rates will not go up if you get a ticket for a minor driving offense.***

Loss of Use
Covers the cost of a backup means of travel such as rental car or taxi you use when your car is being repaired as a result of damage or theft.

Damage to a Non-Owned Vehicle
Covers you if you damage a car you do not own such as a rental vehicle.

Waiver of Depreciation
This option ensures you get the full value of your new car (less than 36-months-old) if it is written-off as part of a covered claim.
Protect your home and property
Think about the value of your home and your precious belongings. And then think about what it would take to re-build or replace them. We know how hard it is to find the right house insurance provider.

Allstate is the insurance company that has your back. Our agents understand how hard you’ve worked for what is likely your biggest asset. We know different homeowners have different insurance needs. Our agents will work with you to make sure you understand your options. We will help you get the best protection for your home.

Here’s what a typical home insurance policy covers
Coverage for Your Dwelling
This covers your home as well as structures that are attached to it, such as a deck or garage.

Detached Private Structures
The typical home insurance policy also covers structures that are separate from your home, but are still on your property, like a detached garage, tool shed or fence.

Home insurance policies provide liability coverage to protect you if someone not living with you is injured while on your property.

Personal Property
House insurance provides coverage for your valuable personal belongings in your home. If your household appliances and treasured possessions are stolen, damaged or lost, you’ll be covered. You may want to consider adding a Personal Articles Floater to your policy for certain valuables, like jewelry, which may exceed typical personal property coverage limits.

Do you want a no-hassle way of keeping track of your possessions? Try Allstate’s FREE online inventory tool, myLocker. It’s an exclusive service available to myAllstate customers.

Types of optional coverages
Additional Coverage
Allstate offers additional coverage that can be purchased. This includes coverage for earthquake damage; personal articles; water protection coverage (not available in all locations); a home business; and/or property in a storage facility.

Claim Forgiveness*
At Allstate, we understand that accidents can happen. That’s why your rates won’t go up if you report a claim.

Disappearing Deductible**
We want to ensure you receive the best coverage and features without the burden of a high premium. That’s why your deductible decreases every consecutive term you go without a claim, until it disappears.

Natural Disasters
Many insurance policies cover home fires, lightning strikes, windstorms and hail. Earthquakes are not typically covered. However you can purchase an endorsement for damage caused by earthquakes. Talk to a local Allstate insurance agent for more information.

Home Replacement Cost Guarantee
This endorsement provides added peace of mind if your property loss claim exceeds the amount of coverage on your dwelling or private structures (determined by our Replacement Cost Calculator). If the damage exceeds your policy’s limits, we will cover the costs to repair or rebuild your home. For example, if you have $300,000 coverage on your dwelling, and the cost of rebuilding your home due to a loss is $350,000, Allstate will pay the additional $50,000. That’s why it’s very important to tell us about any renovations you’ve done to ensure your home and contents are properly insured. Not available in Quebec.

Single Limit of Insurance
This endorsement allows you to “borrow” unused coverage from one part of your home insurance policy to pay for losses under another part. For example, if you have $100,000 in coverage for the contents in your home and a fire destroys all of your belongings valued at $125,000, you may be able to claim a portion or all of the $25,000 ($125,000 minus $100,000) from other sections of your home policy, if they have not been fully exhausted as a result of the same claim.