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Received: from H.CS.CMU.EDU by A.CS.CMU.EDU; 9 Jan 86 11:07:04 EST
Date:  9 Jan 1986 10:56-EST 
From: Martin.Stacey@H.CS.CMU.EDU
To: bovik@a
Subject: Allstate Renter's Insurance
Message-Id: <505670179/mks@H.CS.CMU.EDU>

Karl Kluge sent me the following awful warning. I'd already realised
that the one rule is to avoid Allstate at Allcosts, but if you haven't..

I currently have mine through Allstate, am extremely disattisfied, and
am in the process of changing over to State Farm for a number of
reasons.

1) State Farm has replacement value coverage. Allstate does not. $15k
with a $150 deductable will cost me $116 through State Farm. With
Allstate, the coverage is for current value, there is a $250 theft
deductable/$100 all-peril, and the saving is only about $10/year.

2) Allstate added a $250 theft deductable to my policy which was not
noted on the purchase agreement I signed. I intend to write the state
board which regulates insurance about this, and I intend to ask
Allstate for my entire premium back.

3) An employee of Allstate entered my apartment while I was not home.
Although this was as much the fault of the maintanance person who let
him in, it doesn't make me any fonder of Allstate.