Allstate wildfire insurance review
Big national carrier that paused new California home policies — and is filing to come back.
Founded
1931
Headquarters
Northbrook, Illinois
Financial strength
A+ (Superior)
Channel
National admitted carrier
One of the largest national personal-lines insurers, signaling a measured return to California.
FireRisk.ai rating
Our editorial scores for a wildfire-exposed home — appetite weighted heaviest. Not a financial rating; not carrier-supplied. See how all carriers rank →
Wildfire appetite & overview
Allstate stopped selling new homeowners policies in California in 2022 over wildfire and cost pressures. It is now among the first carriers — alongside Mercury and CSAA — to say it will file to write more policies under California’s new Sustainable Insurance Strategy framework, which lets insurers use catastrophe models and reinsurance costs in rates in exchange for covering more high-risk homes. Outside the hardest markets it remains a large, financially strong option.
Strengths
- +A+ (Superior) financial strength
- +Broad national presence
- +Filing to expand again under California’s new framework
- +Bundle and mitigation discounts
- +Large agent network
Watch-outs
- –Paused new California homeowners business since 2022
- –Limited appetite in high-hazard WUI
- –Re-entry tied to rate approvals
- –Returning gradually, not all at once
How to improve your odds of being written
- 1Be in a moderate-risk ZIP for the best odds today
- 2Watch for its SIS expansion filings if you’re in a higher-risk California area
- 3Bundle auto + home
Recent developments
What’s changed lately — dated so you can judge how current it is.
Stopped selling new California homeowners policies, citing wildfire risk and rising costs.
Among the first carriers to commit to filing for more California policies under the Sustainable Insurance Strategy.
Best for
Homeowners outside the most distressed wildfire ZIPs; bundlers.
How to get a quote
Through Allstate agents nationally — new California home business limited as of 2026, but expanding.
Bottom line
Solid where available, and trending back toward California. For now, like State Farm, not a dependable path for new coverage in the most distressed WUI areas.
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Allstate wildfire insurance FAQ
Does Allstate cover homes in high fire-risk areas?
Allstate stopped selling new homeowners policies in California in 2022 over wildfire and cost pressures. It is now among the first carriers — alongside Mercury and CSAA — to say it will file to write more policies under California’s new Sustainable Insurance Strategy framework, which lets insurers use catastrophe models and reinsurance costs in rates in exchange for covering more high-risk homes. Outside the hardest markets it remains a large, financially strong option.
Is Allstate financially strong enough to pay a wildfire claim?
Allstate carries an AM Best financial-strength rating of A+ (Superior), indicating its assessed ability to meet ongoing insurance obligations. Ratings can change, so confirm the current rating before buying.
Who is Allstate best for?
Homeowners outside the most distressed wildfire ZIPs; bundlers. Solid where available, and trending back toward California. For now, like State Farm, not a dependable path for new coverage in the most distressed WUI areas.
Disclosure: This is an independent, research-based editorial review. FireRisk.ai is not affiliated with, endorsed by, or acting on behalf of Allstate. The company name and any AM Best rating are used for identification and comparison only. This is not insurance or financial advice, and we are not a licensed insurance agency. Availability, appetite, ratings, and pricing change and vary by ZIP and home — verify everything directly with the carrier before purchasing. We may be compensated when you request quotes through a partner.