Allstate $4M California Homeowners' Premiums Settlement

California homeowners insured by Allstate whose policy the company’s internal process, known as Project UIN 203019, affected may be eligible to receive a cash payment ranging from $20 to $4,248.70 from a class action settlement.

Allstate Insurance Co. agreed to pay $4 million to resolve a class action lawsuit alleging it charged certain California homeowners excessive insurance premiums. The lawsuit claimed Allstate double-counted the square footage of built-in garages when calculating premiums, resulting in higher costs for affected policyholders.

Who are the class members?

Class members must meet the following criteria:

They are a California homeowner.
They hold an insurance policy with Allstate.
Their home has a built-in garage, according to Allstate’s internal records.
Allstate’s corrective action process, known as Project UIN 203019, included their policy.
Project UIN increased the recorded square footage of their home to a level reflecting actual or potential double counting of garage space.

The settlement administrator already determined class membership using Allstate’s records.

How much can class members get?

The total settlement fund is $4,000,000, which the settlement administrator will distribute among class members after deducting attorneys’ fees, litigation costs, service awards and administrative expenses.

The amount each class member receives is based on several factors, including:

The number of built-in garage bays at the insured property
The number of policy years the double-counting affected
The location of the insured property
The amount of premium collected

Individual payments will range from $20 to $4,248.70.

No action needed to receive payment

Class members do not need to submit a claim form or take any action to receive their payment. The settlement administrator will automatically mail payments to eligible class members at their last known address.

Class members whose address changed since they held their Allstate policy should contact the settlement administrator to update their information to ensure they receive payment.

Those who wish to be excluded from the settlement and retain their right to sue Allstate separately, must mail a signed exclusion request to the settlement administrator postmarked by Nov. 10, 2025. The request must include their name, address, phone number and a clear statement requesting exclusion.

Settlement administrator’s mailing address: Hilario Settlement Administrator, 1650 Arch St., Suite 2210

Philadelphia, PA 19103

Payout options

The settlement administrator will mail paper checks to the last known address of each eligible class member.

$4 million settlement fund breakdown

The $4,000,000 settlement fund includes:

Settlement administration costs: To be determined
Attorneys’ fees: $1,333,333.33
Attorneys’ expenses: $170,000 (estimated)
Service award to class representative: $20,000
Payments to eligible class members: Remainder of the fund

Important dates

Deadline for exclusion: Nov. 10, 2025
Final approval hearing: Dec. 2, 2025

When is the Hilario v. Allstate Insurance Co. payout date?

The settlement administrator will mail payments to class members approximately 30 days after it resolves any appeals and the court grants final approval of the settlement.

Why did this class action settlement happen?

The class action lawsuit alleged Allstate Insurance Co. charged excessive homeowners’ insurance premiums to certain California policyholders by double-counting the square footage of built-in garages.

Allstate denied any wrongdoing but agreed to settle the case to avoid the cost and uncertainty of continued litigation.