pages 3-6
pages 7-10
Allstate Protection Guide
A reference source for your insurance.
CAR HOME
Talk to a real live person.
Insurance can be serious business. That’s
why it can be reassuring to know you
always have the option of going to a real
Allstate office or calling 1-800-ALLSTATE
and talking to a real person 24/7.
Allstate licensed insurance
professionals, backed by a strong
company and a knowledgeable and
experienced team, can help you with
a wide range of protection needs.
You can also reach us online.
The Customer Care Center at allstate.com
is open all the time, making it easier to
do business with us.
When you register with the Customer
Care Center, you’ll have online access
to your policy information 24/7. You
can even complete service transactions,
such as paying your bill and filing/
checking the status of a claim.
Three ways to register for the Customer
Care Center:
•
Call your Allstate Agent
•
Call 1-800-ALLSTATE
•
Go to www.allstate.com
What Allstate can do for you.
You have access to all the things that
help make Allstate one of the top
insurance companies in the country:
•
Ability to contact an Allstate
Agent or an Allstate representative
at 1-800-ALLSTATE any time, day
or night
•
Out-of-town assistance from any of
our 13,000 Allstate Agents (find one
at allstate.com)
•
Dedicated service from more than
16,000 claim representatives
•
More than 850 conveniently located
drive-in claim centers
•
Competitive prices, discounts and a
variety of coverage options
Allstate also offers a variety of insurance
products to help meet your needs, such as:
•
Boat insurance
•
Motorcycle insurance
•
Personal Umbrella Policy
•
Life insurance
Welcome to Allstate.
Thank you for choosing us to help with your insurance needs. We’re
committed to helping you get the most out of your relationship with
Allstate — not just for today, but tomorrow as well.
1
Customer Care Center features and functionality are subject to change and may vary by state and/or product
type. Interruptions in service may occur. If you register online, your access to certain features may be limited until
you enter additional information or the Personal Activation Key that will be sent to you through the regular mail.
Please see our online Terms of Use at allstate.com. Discounts subject to availability and qualifications. Amounts
may vary. All coverages subject to policy terms, conditions, limitations and exclusions. Property insurance not
available in all areas.
You’re in Good Hands.
®
CAR pages 3-6
HOME pages 7-10
Once you receive your Auto Policy Declarations, it’s a good idea to
check it over to make sure all the information is correct. If any
information seems incorrect or if you have questions, contact your
Allstate Agent or call 1-800-ALLSTATE.
3
Policies may vary by state.
A closer look at an Allstate Auto Policy
Declarations page.
Auto Policy Declarations
Summary
NAMED INSURED(S) YOUR ALLSTATE AGENT IS YOUR BILL
Sample A Sample
123West Street
Anywhere USA 12345-1234
Sample ASample
(123) 456-7890
123 West Street
Anywhere USA 12345
will arrive in a separate
mailing if you haven’t paid
your premiuminfull.
POLICY NUMBER POLICY PERIOD
123456789 01/01 Jan. 1 to July1 at 12:01 A.M. standard time
DRIVER(S) LISTEDDRIVER(S) EXCLUDED
SampleNone
VEHICLES COVERED VEHICLE ID NUMBER LIENHOLDER
1. 05 Compact Car 1ABCD12345E678901 ABC Motor Credit Company (Retail)
TotalPremium
Premium for 05 Compact Car $000.00
TOTAL $000.00
Your total premium reflects a combineddiscountof $000.00
Your Policy Effective Date isJan. 1
1
2
3
Policy Number : 1 23 456789 01/01 Your Agent: Sample A Sample (123) 456-7890
Policy Effective Date: Jan. 1
I
COVERAGE FOR VEHICLE # 1
2005 Compact Car
COVERAGE LIMITS DEDUCTIBLE PREMIUM
AutomobileLiability InsuranceNot Applicable $000.00
Bodily Injury $00,000 each person
$00,000 each occurrence
PropertyDamage $00,000 each occurrence
UninsuredMotorists InsuranceNot Applicable $00.00
Bodily Injury $00,000 each person
(Includes Underinsured$00,000 each accident
Motorists Protection)
UninsuredMotorists Insurance limits of insuredvehicles cannot be stacked or aggregated.
Automobile MedicalPayments $0,000 each person Not Applicable $00.00
Auto Collision InsuranceActual Cash Value $000 $000.00
Auto Comprehensive InsuranceActual Cash Value $000 $00.00
Rental Reimbursement Coverageup to $00 per day for Not Applicable $00.00
amaximumof00 days
Total Premium for 05 Compact Car $000.00
DISCOUNTS Your premiumforthis vehicle reflects the followingdiscounts:
Anti-theft $00.00 PassiveRestraint $0.00
Antilock Brakes $00.00 Premier Plus $000.00
RATING INFORMATION
This vehicle is drivenamaximumof0,000 miles per year,0-0 milestowork/school,unmarried female age 00, gooddriver
rate
4
5
How to read the Auto Policy
Declarations page.
You can use the example below to help
you locate key sections, but you should
always look at your own policy for
information specific to you.
1 Policy period. Auto policies
typically cover six-month periods.
By paying your renewal premium by
the due date and time, your policy
should automatically continue.
2 Driver(s) listed and vehicle(s)
covered. This shows the named
insured(s) and vehicle(s) listed
on this insurance policy.
3 Total premium. Each vehicle you
insure has its own premium amount.
The total is for all the listed vehicles
for the policy period. You may
pay this amount in one lump sum
or break it up into payments.
4 Coverages. If you have more than
one car, the coverages will be listed
out separately for each vehicle.
5 Discounts. Allstate offers many
discounts. Any discounts you may
have received are listed here.
✄
< You may want to cut this page out and keep it in your car so you
can refer to it in case of an accident.
4
In case of an auto accident:
1. Stay calm.
Determine the extent of injuries or damage. If needed, obtain medical assistance.
Check your surroundings and exit the vehicle if it is safe to do so. Then, check on
others involved in the accident.
2. Call the police to file an accident report.
Don’t leave the accident scene. If the vehicle cannot be moved safely, close all
doors and turn on your vehicle’s hazard lights. If it can be done safely, move the
vehicle to a safe location.
3. Limit discussion of the accident.
Talk only with the police and your Allstate Agent or an Allstate claim representative.
Don’t admit fault or liability at the scene or at any time.
4. Get the facts and essential details at the scene.
It’s important to record the names, phone numbers, addresses, license plate
numbers and insurance companies of anyone involved in the accident.
5. Report even a minor accident to us immediately.
Call your Allstate Agent, 1-800-ALLSTATE or log on to the Customer Care
Center at allstate.com any time.
6. Check the status of your claim.
Once you’ve filed a claim, you’ll get a claim number for easy tracking. You can
talk to your Allstate claim representative or Allstate Agent, call 1-800-ALLSTATE
or log on to the Customer Care Center at allstate.com.
Had an accident? Allstate is here for you.
When the unexpected happens, sometimes it’s hard to think of what
to do next. To make it all a little easier, here are some suggestions.
5
What to expect from your Allstate
claim representative.
If you get into an accident, you’ll be in Good Hands
®
with Allstate.
Our claim representatives will listen to you and your situation before
determining next steps. Below is an example of a typical claim process.
The steps in handling your claim will vary depending on the type of loss.
1. Establish what happened.
•
Gather the facts from everyone involved
•
Determine if coverage applies and the corresponding limits
•
Decide who is liable
•
Investigate and resolve any discrepancies
2. Inspect and estimate damages.
•
Inspect the vehicle and identify related injuries, if applicable
•
Prepare an estimate and determine if the vehicle will be repaired or replaced
•
Discuss repair options if the vehicle is repairable
•
Determine value if the vehicle is a total loss
3. Complete the claim process.
•
Pay for vehicle repair, or pay for reimbursement of the vehicle, subject to
your policy limits
•
Finalize all necessary paperwork
If you have any questions about the process, you should contact your Allstate Agent
or Allstate claim representative.
6
Are there ways I can save on my
car insurance?
If you haven’t talked to Allstate about
discounts recently, a simple call could
help you save money. For instance, if
you insure both your car and home with
Allstate, you could save on both. You
may also qualify for a discount if you are
a full-time student, or if you’re 55 or
older and not employed full-time.
What happens if I’m late with a
payment or I miss a payment?
By missing a payment or sending your
payment late, you risk a surcharge
or being sent a notice of cancellation.
It’s always a good idea to pay at least
the minimum amount due by the due
date and time.
Is there a more convenient way
to pay my bill?
You could apply for the Allstate
®
Easy Pay Plan and have your Allstate
premium automatically deducted
from your checking or savings account.
You can fill out an authorization form
by contacting your Allstate Agent,
calling 1-800-ALLSTATE or logging
on to the Customer Care Center at
allstate.com. Allstate also accepts most
major credit and debit cards.
If I’m in an accident, do I have
coverage for a rental car? How long
can I keep my rental car?
If you’ve selected the Rental
Reimbursement option, Allstate
generally pays up to a daily policy
limit until repairs are completed, up
to 30 days following a covered loss.
See your policy for a complete
description of terms and limitations.
My teen is about to enter the driving
world. Is there something I can do
to prepare?
Talk with them. To help you do this,
Allstate offers a range of tools including
a Parent-Teen Driving Contract, DVDs
for teen drivers, and tips for how to help
teens keep a safe driving record. For
more details, just talk to your Allstate
Agent, call 1-800-ALLSTATE or visit
allstate.com/teen. Be sure to ask about
a Good Student Discount if your teen
is a full-time student.
I’m thinking of buying a motorcycle.
Can I just add it to my auto policy?
Unfortunately, no. Having the right
motorcycle coverage is very important
and also very different from your car
insurance, so you will need a separate
policy. Call Allstate to discuss the types
of coverage available. You might also
qualify for a multi-line discount.
Auto Insurance Q&A
Insurance and discounts subject to availability and qualifications. Insurance subject to terms and conditions.
We’re available 24/7
Call an Allstate Agent or 1-800-ALLSTATE or go to www.allstate.com
Homeowners
Policy Declarations
Summary
NAMED INSURED(S) YOUR ALLSTATE AGENT IS: CONTACT YOUR AGENT AT:
Sample A Sample &
Sample A Sample
123 West Street
Anywhere USA 12345-1234
Sample A Sample
123 West Street
Anywhere USA 12345
(123) 456-7890
POLICY NUMBER POLICY PERIOD PREMIUM PERIOD
0 03 001234 09/01 Begins on Sep. 1 Sep. 1 to Sep. 1
at 12:01 A.M. standard time, at 12:01 A.M. standard time
with no fixed date of expiration
LOCATION OF PROPERTY INSURED
123 West Street, Anywhere, USA 12345-1234
Total Premium for the Premium Period (Your bill will be mailed separately)
Premium for Property Insured $000.00
TOTAL $000.00
Your policy change(s) are effectiveas of Feb. 2
Policy Number: 0 03 001234 09/01 Your Agent: Sample A Sample (123) 456-7890
For Premium PeriodBeginning: Sep. 1
COVERAGE AND APPLICABLE DEDUCTIBLES LIMITS OF LIABILITY
(See Policy for Applicable Terms, Conditionsand Exclusions)
Dwelling Protection - No Replacement Guarantee $000,000
$000 All Peril Deductible Applies
Other Structures Protection $00,000
$000 All Peril Deductible Applies
Personal Property Protection - Actual CashValue $00,000
$000 All Peril Deductible Applies
Additional Living Expense Up To 12 Months
Family Liability Protection $000,000 each occurrence
Guest Medical Protection $0,000 eachperson
DISCOUNTS Your premium reflects the following discounts on applicable coverage(s):
55 and Retired 00 % Claim Free 00 %
Ageof Home 0 %
RATING INFORMATION
The dwelling is of Brick construction and is occupied by 1 family
1
2
4
7
How to read the Homeowners
Policy Declarations page.
You can use the example below to help
you locate key sections, but you should
always look at your own policy for
information specific to you.
1 Policy period. The premium period
for homeowners policies is typically
one year.
2 Location of property insured.
Please make sure this address
is correct.
3 Premium. This is the total cost for
this policy period excluding any
credits or previous balance due.
You can pay this in one lump sum
or break it up into payments.
4 Coverages. It’s very important to
double check this section to make
sure the information is correct.
5 Discounts. Allstate offers many
discounts. Any discounts you may
have received are listed here.
Policies may vary by state.
Once you receive your Homeowners Policy Declarations, it’s a good
idea to check it over to make sure all the information is correct. If any
information seems incorrect, or if you have questions, contact your
Allstate Agent or call 1-800-ALLSTATE.
A closer look at an Allstate Homeowners
Policy Declarations page.
3
5
In case of a homeowners claim:
1. Contact Allstate immediately.
Call your Allstate Agent, call 1-800-ALLSTATE or log on to the Customer Care
Center at allstate.com for 24-hour assistance. We’ll get the claim process started
immediately. We can answer questions and arrange to handle covered losses. If
you’ve had a theft, contact the police first.
2. Prevent further damage.
Without risking your own safety, make temporary repairs to prevent further
damage. Your Allstate claim representative can offer referrals for qualified
vendors and talk to you about emergency repairs to help prevent any additional
property damage.
3. Document the damage.
For any emergency repairs, it may be necessary to photograph the damage
before repair work begins. Don’t throw away any furniture or personal items until
a claim representative has inspected them, and keep all receipts for temporary
repairs or extra living expenses.
4. Check the status of your claim.
Once you’ve filed a claim, you’ll get a claim number for easy tracking. You can
talk to your Allstate claim representative or Allstate Agent, call 1-800-ALLSTATE
or log on to the Customer Care Center at allstate.com.
Damage to your home? Allstate is here for you.
When the unexpected happens, sometimes it’s hard to think of what
to do next. To make it a little easier, here are some suggestions.
8
What to expect from your Allstate
claim representative.
If you’re filing a homeowners claim, you might already be facing
difficulties. Our job is to make it easier for you to get back to your life.
Below is an example of a typical claim process. The steps your claim
representative takes in handling your claim will vary depending on the
type of loss.
1. Establish what happened.
•
Gather the facts from everyone involved
•
Determine if coverage applies and the corresponding limits
•
Decide who is liable
•
Investigate and resolve any discrepancies
2. Inspect and estimate damages.
•
Inspect the home and identify related injuries, if applicable
•
Prepare an estimate and determine if parts of the home will be repaired or replaced
•
Discuss repair options if the home is repairable
•
Determine value if the home is a total loss
3. Complete the claim process.
•
Pay for home repair, or pay for reimbursement of the home, subject to policy limits
•
Finalize all necessary paperwork
If you have any questions about the process, you should contact your Allstate Agent
or Allstate claim representative.
9
Let’s stay in touch.
More than just insurance.
Today you may need to insure your car
or home, tomorrow you may need to start
saving for your child’s college education.
That’s why Allstate offers a wide range of
products that can help meet your needs
through every stage of your life:
•
Boat/motor home insurance
•
Motorcycle/ATV insurance
•
Renters insurance
•
Business insurance
•
Personal Umbrella Policy
•
Life insurance
1
•
Fixed and variable annuities
1
•
Traditional and Roth IRAs
•
CDs and money markets
•
Mutual funds
•
College savings plans
If you’re not sure what type of additional
insurance is right for you, talk to Allstate.
We also offer complimentary insurance
and financial reviews. To find out how the
experience and knowledge of Allstate
can help you, talk to your Allstate Agent,
call 1-800-ALLSTATE or go to allstate.com.
Pay your premiums
automatically.
With the Allstate
®
Easy Pay Plan,
your Allstate premiums can be paid
automatically through deductions
from your checking or savings account.
So you never have to worry about
writing checks or sending them in the
mail. It’s easy to apply. Just fill out an
authorization form:
•
Call your Allstate Agent
•
Contact an Allstate representative
at 1-800-ALLSTATE
•
Log on to the Customer Care Center
at www.allstate.com
Allstate also accepts most major credit
and debit cards.
Allstate is here for you —
and your friends.
We hope you’re pleased with the
service Allstate provides and will share
your positive experience with friends
or family. If you think we can help them
with their protection needs, and perhaps
save them money, please tell them
to contact us. We’d be happy to help.
1 2
1
Securities offered by Personal Financial Representatives through Allstate Financial Services, LLC (LSA Securities
in LA and PA). Registered Broker-Dealer. Member FINRA, SIPC. Main Office: 2920 South 84th Street, Lincoln,
NE 68506. 877-525-5727. Securities products include variable annuities and variable universal life.
We’re available 24/7
Call an Allstate Agent or 1-800-ALLSTATE or go to www.allstate.com
How can I save money on my
homeowners insurance?
Allstate offers many discounts that can
help you save money on your insurance.
For instance, you may qualify for a
discount if your home has been renovated
in the last 10 years, if you are 55 or older
and not employed full-time, or if your
home has smoke alarms, fire extinguishers
or a security system. And, if you insure
both your home and car with Allstate,
you could save on both. If you haven’t
already, talk to your Allstate Agent or an
Allstate representative at 1-800-ALLSTATE
about discounts.
My neighbor just purchased flood
insurance, should I do the same?
It’s always a good idea to determine
whether you should have flood
insurance. Call your Allstate Agent or
1-800-ALLSTATE to find out if your
community participates in the National
Flood Insurance Program.
Why might you need flood insurance?
Because less than 50% of all flooding
incidents are awarded a Federal Disaster
Assistance declaration, and most disaster
assistance is provided in the form of a
loan that must be repaid with interest.
Does my Allstate homeowners policy
cover my personal belongings away
from home if they are stolen?
Yes. Allstate provides coverage, up to
your policy limits, not only for theft at
home but anywhere in the world.
Are there additional coverages I can
add to my homeowners policy?
Depending on the state you live in, Allstate
offers optional coverages you can add
to your policy to increase your property
protection. For instance, you can purchase
extended coverage for jewelry, furs, art,
antiques, collectibles and equipment
you may use for business. You can also
get identity restoration reimbursement
coverage or a Personal Umbrella Policy
that provides additional liability protection.
Talk to your Allstate Agent or an Allstate
representative at 1-800-ALLSTATE about
your additional needs.
Can I make one payment for
multiple policies?
Allstate auto and home policies are
billed and mailed separately. If paying
at an Allstate agency, yes, you may
conveniently make one payment for
multiple policies. If paying by mail,
1-800-ALLSTATE or online, you need
to pay separately.
If you’re looking for an easier way to pay
your bills, consider the Allstate
®
Easy Pay
Plan. You can fill out an authorization
form by calling your Allstate Agent or
1-800-ALLSTATE or by logging on to the
Customer Care Center at allstate.com.
Allstate also accepts most major credit
and debit cards.
Homeowners Insurance Q&A
10
Insurance and discounts subject to availability and qualifications. Insurance subject to terms and conditions.
Remember, you can alwaystalk to your
Allstate Agent or call 1-800-ALLSTATE
any time.
Useful insurance terms
Bodily Injury Coverage — Typically
provides coverage if you or a covered
driver is legally liable for damages
resulting from a covered auto accident
where others are injured or killed.
Claim — A request for an insurance
company to pay for a loss.
Collision Coverage — Typically helps
pay to repair or replace your insured car
after a covered accident.
Comprehensive Coverage — Typically
helps pay for covered damages to
your insured car resulting from a peril
other than a collision, such as theft,
windstorm or flood, to name a few.
Covered Peril — An event causing
damage to your home or property
that is covered by your insurance. Fire,
lightning, and wind and hail damage
are some examples of covered perils.
Deductible — The deductible is the
portion of a covered loss you pay
before the insurance company becomes
responsible for payment under the policy.
Liability — Typically helps protect you
for damages to others that you’re legally
obligated to pay.
Limits — A coverage limit determines
the most an insurance company
will pay for a covered loss under a
particular coverage. Some limits apply
to each person, and others apply to
each occurrence.
Medical Payments Coverage —
Typically helps provide payment for
the insured, covered family members
and covered passengers for their
reasonable and necessary medical
treatment for bodily injury caused by
a covered accident.
Personal Injury Protection —
Typically provides coverage for an
insured person, covered family members
and covered passengers for certain
reasonable and necessary expenses,
such as medical and hospital expenses,
income continuation, loss of services,
and funeral expenses for bodily
injury caused by a covered accident,
regardless of who was at fault.
Property Damage Coverage —
Typically provides coverage if you
damage someone’s property and are
legally obligated to pay.
11
Subject to policy terms and conditions. These are general descriptions of coverage and coverage terms.
Coverages not available in all states.
Insurance and discounts subject to availability and qualifications. Insurance subject to terms and conditions.
Securities offered by Personal Financial Representatives through Allstate Financial Services, LLC (LSA Securities
in LA and PA). Registered Broker-Dealer. Member FINRA, SIPC. Main Office: 2920 South 84th Street, Lincoln, NE
68506. 877-525-5727.
Life insurance and fixed annuities issued by Allstate Life Insurance Company: Northbrook, IL and Lincoln Benefit
Life Insurance Company: Lincoln, NE. In New York, life insurance and fixed annuities issued by Allstate Life
Insurance Company of New York: Hauppauge, NY. Variable annuities issued by companies unrelated to Allstate.
Allstate Insurance Company, Allstate Indemnity Company, Allstate Property and Casualty Insurance Company
and Allstate Fire and Casualty Insurance Company: Northbrook, IL; Allstate County Mutual Insurance Company:
Irving, TX; Allstate New Jersey Insurance Company: Bridgewater, NJ. Motor Club membership available from
Allstate Motor Club, Inc.: South Barrington, IL.
Deposit products such as CDs are offered through Allstate Bank, member FDIC. Non-deposit investment
products sold by other companies within the Allstate family of companies are not insured by the FDIC, are not a
deposit or other obligation of, or guaranteed by, Allstate Bank and may be subject to investment risks, including
possible loss of principal amount invested. In certain states, the referral of CDs is limited by state securities laws
to Agents who are registered securities representatives. Allstate agencies receive compensation for the referral of
Allstate Bank CDs, which may vary depending on the size and term of the certificate.
©2008 Allstate Insurance Company. allstate.com 04/08
D8830
“I want an
insurance company that
STANDS FOR SOMETHING.”
With more than 75 years of experience, Allstate has a strong tradition of
being there when people need us.
We have innovative insurance for your life’s needs, financial solutions to help
you save and dedicated representatives to help you sort it all out. We also
have a long history as a leader in helping to make our highways safer.
With Allstate, you can feel better protected and more in control of your
future than ever before. Are you in Good Hands
®
?
How to contact Allstate
•
Call your Allstate Agent
•
Call 1-800-ALLSTATE
•
Go to www.allstate.com
