What is Allstate's homeowners — recoverables?

Allstate (ALL) reported homeowners — recoverables of $679M in Q4 2025.

How has Allstate's homeowners — recoverables changed year-over-year?

Allstate's homeowners — recoverables increased by 29.8% year-over-year, from $523M to $679M.

What does homeowners — recoverables mean?

This metric represents the portion of homeowners insurance claims that the company expects to recover from third parties, primarily through reinsurance arrangements. It serves as a risk mitigation tool, shifting a portion of the financial burden of large losses to reinsurers. The level of recoverables provides insight into the company's reinsurance strategy and its exposure to catastrophic events.

Allstate ALL Homeowners — Recoverables

Other product segments

Auto insurance - liability coverage

$6.3B—

Run-off Property-Liability

$419M—

Commercial lines

$231M-22.7%

Other personal lines

$204M-21.5%

Auto insurance - physical damage coverage

$18M—

Other business lines

$14M+600%

Protection Services

$12M—

Similar metrics at other companies

SIGIHomeowners — Reinsurance Recoverable for Unpaid Claims and Claims Adjustments

$490K-75.0%

CINFHomeowner — Reinsurance recoverable on unpaid losses

$124M+1,278%

SIGIReinsurance recoverables

$907.68M-1.9%

OSCRReinsurance recoverables

$142.49M-24.0%

CRBGReinsurance recoverables

$20.39B-2.3%

RNRProperty — Reinsurance Recoverable

$802.58M-51.8%

Other financials

Income statement

See full

Revenue$16.9B+3.0%

Net income$2.5B+313%

EPS (diluted)$9.25+338%

Balance sheet

See full

Cash & equivalents$697.0M-17.0%

Total debt$7.5B-7.4%

Total equity$31.6B+43.3%

Total assets$123.97B+7.7%

Cash flow

See full

Operating cash flow$3.6B+81.4%

CapEx$40.0M-56.5%

Free cash flow$3.5B+88.1%

Valuation

See full

Market cap$59.61B-1.9%

Profitability

See full

Net margin17.8%+11.6pp

FCF margin16.9%+3.2pp

Returns & leverage

See full

Return on equity45.2%+25.4pp

Debt / equity0.2×-0.1×

Where this comes from

Reported directly by Allstate in its filing.

Tagged under the XBRL concept us-gaap:ReinsuranceRecoverableForUnpaidClaimsAndClaimsAdjustments.

The official record: Allstate’s 10-K, filed February 20, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Allstate's homeowners — recoverables?: Allstate (ALL) reported homeowners — recoverables of $679M in Q4 2025.
How has Allstate's homeowners — recoverables changed year-over-year?: Allstate's homeowners — recoverables increased by 29.8% year-over-year, from $523M to $679M.
What does homeowners — recoverables mean?: This metric represents the portion of homeowners insurance claims that the company expects to recover from third parties, primarily through reinsurance arrangements. It serves as a risk mitigation tool, shifting a portion of the financial burden of large losses to reinsurers. The level of recoverables provides insight into the company's reinsurance strategy and its exposure to catastrophic events.