$4M Allstate Insurance class action settlement for California homeowners

Allstate Insurance Co. has agreed to a $4 million class action settlement to resolve claims that it charged excessive homeowners insurance premiums to certain California policyholders by double-counting garage square footage.

The Allstate Insurance settlement benefits California homeowners with built-in garages whose policies were included in Allstate’s corrective action process known as Project UIN 203019. This project reportedly increased the recorded square footage of some homes, potentially resulting in the garage space being counted twice.

According to the class action lawsuit, Allstate’s alleged miscalculation led to inflated premiums for affected policyholders.

Allstate is a national insurance company that sells auto, home, renters, motorcycle, life, business and other types of insurance.

The company has not admitted any wrongdoing but agreed to pay $4 million to resolve the class action lawsuit.

Under the terms of the Allstate Insurance settlement, class members are eligible to receive a cash payment based on a formula agreed upon by the parties.

Using Allstate’s data, class action settlement awards will be based on several factors, including the number of built-in garage bays, the policy years affected, the location of the insured property, and the collected premium.

Class members will receive their payments via mail after the court grants final approval to the settlement and any appeals are resolved.

No claim form is required to benefit from the Allstate homeowners insurance class action settlement. Class members who do not exclude themselves will automatically receive a settlement payment.

The deadline for exclusion and objection is Nov. 10, 2025.

The final approval hearing for the Allstate class action settlement is scheduled for Dec. 2, 2025.

Who’s Eligible

All California homeowners insured by Allstate who meet the following criteria:

• Allstate’s internal records show the home has a built-in garage;
  
• The policy was included in Allstate’s corrective action process known as Project UIN 203019 (“Project UIN”); and
  
• Project UIN increased the home’s recorded square footage in Allstate’s internal records to a level that reflects an actual or potential double-counting of garage space.
  

Potential Award

Varies.

Proof of Purchase

Allstate’s internal records

Exclusion Deadline

11/10/2025

Case Name

Hilario v. Allstate Insurance Co., Case No. 3:20-cv-05459-WHO, in the United States District Court for the Northern District of California

Final Hearing

12/02/2025

Settlement Website

HilarioSettlement.com

Claims Administrator

Hilario Settlement
P.O. Box 58220
Philadelphia, PA 19102
[email protected]
312-955-0545

Class Counsel

Brian Eldridge
HART MCLAUGHLIN & ELDRIDGE LLC

David Shane
SHANE LAW LLC

Defense Counsel

Kristine M. Schanbacher
DENTONS US LLP