Allstate home insurance provides homeowners with standard forms of coverage including dwelling (i.e. structure), personal property, liability, and guest medical protection. Numerous extra coverages are also available, ranging from flood protection to personal umbrella insurance. Policies are customizable, and are tailored towards the needs of the homeowner (specific protection needs greatly vary from region to region). Various kinds of discount and rewards programs offered to qualifying policyholders as well. Free rate quotes can be obtained online, over the phone, as well as with a local agent.