Allstate Homeowners Insurance vs. Guardian Level Term
Side-by-side comparison · Updated 2026 · Independently reviewed
Allstate Homeowners Insurance
Allstate
4.2
Avg ~$1,769/yr. 30+ discount categories. Claim RateGuard. Accident forgiveness for home.
Full review →Guardian Level Term
Guardian Life
4.4
Level term with strong disability rider options. Mutual insurer focus on protection.
Full review →WealthSpott Verdict
Guardian Level Term wins on more measurable categories. Allstate Homeowners Insurance may still be worth a quote depending on your location and coverage needs — premiums vary widely.
Feature
Allstate Homeowners Insurance
Guardian Level Term
WealthSpott Rating
4.2 / 5
4.4 / 5 Best
Coverage Type
Home Insurance
Life Insurance
Avg Annual Premium
~$1,769/yr Best
—
AM Best Rating
A+
—
J.D. Power Score
829 / 1000
— Best
Mobile App Rating
—
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Allstate Homeowners Insurance
Guardian Level Term
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