I had Allstate for approximately 5 years when I filed a major claim. My husband and I rented a private garage, but before we rented it, I called my agent and asked if my homeowner's insurance would cover this garage, which was not on our property. He said that it would, so we proceeded with the rental agreement. Six months into the rental, the garage was broken into and all the expensive tools that were stored there were stolen. We filed a police report and contacted Allstate. We provided the police report and the value of the tools, which was around $2,000. We received $200 from Allstate. I contacted my agent, but he said there was nothing he could do, so we took Allstate to court.
I never cashed the $200 check. In court, their high-priced lawyers claimed that the garage was never covered. (We were very young and were wrongly advised that we did not need a lawyer because it was small claims court.) If it was never covered, then why did they send a $200 check? This clearly shows acknowledgment of coverage. Unfortunately, the judge ruled in their favor even though I showed him the uncashed check.
Think twice before signing up with Allstate, and if you have to take them to court, make sure you consult with a lawyer.
You are in "good hands," just do not make any claims with them.
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