Allstate Insurance Review & Complaints: Appliance Insurance (2024)

Some appliances can cost thousands of dollars, and you don’t want to bring them home merely to have them stop working after a year’s time. While most devices and machines come with a manufacturer’s warranty, it is likely to cease covering your appliance after one or two years. Therefore, extended warranties are often offered with large purchases to help you decide whether to extend coverage for a few more years.

Allstate appliance insurance — or Allstate Protection Plans — are very popular with retailers who sell appliances, so you will likely be offered this coverage if you buy an appliance from somewhere such as Costco or Amazon.

Below, we’ve outlined essential information regarding Allstate Protection Plans for appliances, including what it covers, how much it costs, and how to file claims. Continue reading to determine if an Allstate Protection Plan is right for you the next time you buy an appliance for your home.

What does Allstate appliance insurance cover?

Allstate appliance insurance, also known as an Allstate Protection Plan, can be purchased from several places, including locations where you buy your appliances. Therefore, the coverage for your Allstate appliance warranty may vary slightly based on where it was purchased.

For example, if you buy an Allstate appliance protection plan from SquareTrade, you will have the option of choosing between 3-year and 5-year plans that cover:

• Mechanical and electrical failures
• Unexpected leaks
• Power supply burnout
• A nonworking appliance

In addition to appliance warranties, customers can also receive Allstate Protection Plans from SquareTrade for phones, laptops, tablets, TVs, and more.

In addition to covering your appliances, some Allstate appliance insurance plans will cover the effects of not being able to use your appliance. For example, if your refrigerator stops working, you may have some coverage for food spoilage. Or Allstate may reimburse you for laundry services if your washer or dryer isn’t running.

SquareTrade can help you receive fast Allstate appliance repair. However, if a specialist cannot repair your appliance, your plan will cover the cost to replace it.

How much does Allstate appliance insurance cost?

Let’s examine how much you might pay for an Allstate appliance extended warranty from SquareTrade:

Allstate Appliance Protection Plan Rates

You may pay a different price for Allstate appliance insurance from other places. For example, if you buy an appliance from Costco and would like to add an Allstate protection plan, you’re likely to pay less than if you purchased a separate plan from another seller. For instance, a 3-year plan from Costco for appliances exceeding $2,000 costs $159.99.

In addition, Allstate Protection Plans do not require a deductible.

Analyzing Allstate Compared to the Competition

Delve into how Allstate stacks up against other major insurers, such as American Family and USAA, in terms of car insurance offerings. Start comparing rates now to find the best coverage for your needs.

Does Allstate homeowners insurance cover appliances?

In most cases, Allstate homeowners insurance will cover your appliances if they are damaged or destroyed due to a covered hazard.

Appliances built into your home, such as your stove or dishwasher, will likely be covered under your dwelling coverage. In contrast, plug-in devices, such as coffee makers or blenders, may be covered under your personal property coverage. Common covered perils include fires, lightning strikes that cause power surges, and theft or vandalism.

Read more: Allstate Home Insurance Review & Complaints: Home Insurance

How is Allstate rated?

Allstate has an A+ financial strength rating from A.M. Best, which indicates that it can meet its financial obligations, such as paying claims. In addition, Allstate has an A+ rating from the Better Business Bureau (BBB) with a 1.12/5 star rating from 450 customer reviews and complaints.

Unfortunately, Allstate has a National Association of Insurance Commissioners (NAIC) complaint index of 2.71. Compared to the national average of 1.00, this indicates that Allstate receives 2.71 times the number of complaints than is expected for a company of its size.

On the other hand, Allstate appliance warranty reviews have primarily positive reviews, with a 4.2/5 star rating from ConsumerAffairs with 376 reviews on Allstate Protection Plans. In addition, many reviews cite an easy claims process and quick reimbursements or solutions.

How can I contact Allstate or file claims?

When you purchase your Allstate Protection Plan, the contact information for your servicer should be included in your paperwork, receipt, or plan information. However, below are some contact options.

SquareTrade services many Allstate Protection Plans. Therefore, you can contact SquareTrade by calling (888) 504-2659. There is also a chat feature on the company’s website. SquareTrade is located at 2000 Sierra Point Parkway, Suite 300, Brisbane, CA 94005.

If SquareTrade services your Allstate Protection Plan, you can file a claim by visiting squaretrade.com/claim. You will need your plan and appliance information. Some claims are approved immediately, while others may require the approval of a specialist.

If you purchase your Allstate appliance insurance from another company, you may need to visit a specific website to file a claim. For example, Costco directs customers to allstateprotectionplans.com/costco.

For general questions, you may be able to contact Allstate directly by calling (800) 676-5456. Allstate’s corporate address is 2775 Sanders Road, North Plaza, Northbrook, IL 60062.

Should I buy Allstate appliance insurance?

Many customers are happy with their Allstate Protection Plans. However, there are some factors you should consider before purchasing a protection plan. For example, you may want to consider your budget, the likelihood of a product breaking, the compared cost of repairs, and the warranty.

If you don’t think you would be able to afford repairs or a replacement for your appliance if it suddenly breaks, you may want to buy Allstate appliance insurance to ensure that you’re covered in the future. However, in some cases, the cost of a repair may be less than the warranty fee.

You may also decide that the warranty included in your purchase is enough to cover any potential faulty parts or accidents when you initially purchase the product. However, if your appliance breaks after the warranty expires, you may opt to simply upgrade your appliance to something new.

If you choose to buy an Allstate Protection Plan, you should take note of the coverage included in the plan and the manufacturer’s warranty that is already combined with your appliance. In addition, be aware of other places where you may have coverage, such as with your homeowners insurance or credit card coverage for defective purchases.

Overall, Allstate appliance insurance is a good product, but you should compare your options before making any decisions.

Allstate Insurance Claims Process

Ease of Filing a Claim

Filing a claim with Allstate is easy and convenient. You can choose from multiple options, including online, over the phone, or through mobile apps, ensuring you can pick the method that suits you best. Whether you prefer the convenience of an app or speaking to a representative, Allstate has you covered.

Average Claim Processing Time

The speed at which your claim is processed can significantly impact your experience with appliance insurance. Allstate strives to provide efficient claim processing, and the average claim processing time is an important factor to consider. Timely claim resolution ensures that you can get your appliances repaired or replaced as quickly as possible, minimizing disruptions to your daily life.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback offers valuable insights into Allstate’s claims process. Hearing from policyholders who’ve filed claims and their satisfaction with resolutions can gauge service quality. Positive feedback on an easy and hassle-free experience signals Allstate’s commitment to customer satisfaction.

Allstate Insurance Digital and Technological Features

Mobile App Features and Functionality

In today’s digital age, mobile apps play a crucial role in enhancing the customer experience. Allstate offers a mobile app that comes with various features and functionalities tailored to policyholders. Exploring the app’s capabilities, such as claim filing, policy management, and access to important documents, can provide you with a convenient way to interact with your Allstate appliance insurance.

Online Account Management Capabilities

Managing your appliance insurance policy online is essential for convenience and accessibility. Allstate provides online account management capabilities that enable you to review policy details, make payments, and update your information with ease. Understanding the online tools available can help you stay organized and informed about your coverage.

Digital Tools and Resources

Digital tools, like educational materials, FAQs, and interactive resources, empower policyholders to understand their Allstate appliance insurance better. Exploring these digital resources enhances your overall experience and helps you make informed decisions about your coverage.