When I had signed up for my car insurance with Allstate a year or so ago, my agent talked me into going with Allstate for my home owners insurance as well. One of the selling points she used was that if I was ever visiting my friends in another city, and someone broke into my car and took my shoes or anything, they (Allstate) would replace them! I thought this sounded great.

So a few months went by, and then someone broke into my car... I filed the police report, listing the items missing. I think it came to around $255 dollars worth of stuff stolen. I call my agent the next day and come to find out, they wont replace any of my belongings because they said my policy had a $250 deductible! At no time did my agent ever mention this deductible when she sold me the policy, and yes, maybe it is my fault for not reading the 40 page document they sent me regarding the details of my insurance, but for her to lie about the coverage she was selling me was just not professional... I would recommend reading the fine print next time you sign up with Allstate.