01—Abstract
Summary
Summary of the 8-K filed February 19, 2026. Cited figures are marked; the original filing is the authoritative source.
Allstate Corporation (NYSE: ALL) filed a Form 8-K on February 19, 2026, furnishing its January 2026 monthly release under Regulation FD.
The filing is informational rather than a material event: it reports estimated catastrophe losses and policies in force for the month. Exhibit 99 is furnished, not filed, so it does not carry the liability of a filed document. The key figure is January catastrophe losses of $175 milliona pre-tax, or $138 million after-tax, driven primarily by Winter Storm Fern.
For a company of Allstate's size, this is a modest monthly catastrophe load, though it is a reminder that winter weather events can add meaningful volatility to quarterly underwriting results, particularly in the first quarter. Policy trends were mixed. Total Allstate Protection policies in force were 38.262 million at January 31, 2026, roughly flat versus December 31, 2025 and up 2.2%b year over year.
Auto policies declined slightly month over month (-0.1%c) but grew 2.6% year over year, while homeowners grew 0.2% sequentially and 2.5% annually. Commercial lines continued to contract, down 14.2% year over year, which may warrant attention from investors tracking the segment's growth trajectory.
02—Key points
Key Highlights
- January 2026 estimated catastrophe losses of $175 million pre-tax ($138 million after-tax), primarily from Winter Storm Fern
- Total Allstate Protection policies in force of 38.262 million, flat versus December 2025 and up 2.2% year over year
- Auto policies in force of 25.484 million, down 0.1% month over month but up 2.6% year over year
- Homeowners policies in force of 7.709 million, up 0.2% sequentially and 2.5% year over year
- Commercial lines policies in force declined 14.2% year over year to 175 thousand, signaling continued contraction in that segment
- Information is furnished under Regulation FD (Item 7.01) and is not filed, so it is not subject to the liability provisions of Section 18 of the Exchange Act
- Allstate reports having 211 million policies in force overall, per the company's boilerplate description
03—Questions
Frequently Asked Questions
How large were Allstate's catastrophe losses in January 2026?
Estimated catastrophe losses for January 2026 were $175 million pre-tax, or $138 million after-tax, primarily related to Winter Storm Fern. Investors should note that these are preliminary estimates that may be revised in later reporting periods.
Did Allstate's policy count grow in January 2026?
Total Allstate Protection policies in force were essentially unchanged from December 31, 2025, at 38.262 million versus 38.275 million. Year over year, total policies grew 2.2%, led by growth in homeowners (2.5%) and auto (2.6%).
Why is this filing furnished rather than filed?
The company furnished Exhibit 99 under Item 7.01 (Regulation FD Disclosure) pursuant to Instruction B.2 of Form 8-K. Furnished information is not deemed filed for purposes of Section 18 of the Exchange Act and is not incorporated by reference into Securities Act registration statements unless specifically stated.
Is Allstate's commercial lines business shrinking?
Yes. Commercial lines policies in force were 175 thousand at January 31, 2026, down 0.6% from December 2025 and down 14.2% from January 2025. This decline is a notable trend, though commercial lines is a small portion of Allstate's total policy base.
Where can investors find more information on Allstate's financial results?
The company states that financial information, including material announcements, is routinely posted at www.allstateinvestors.com. Investors should also review the Risk Factors section of Allstate's most recent Form 10-K for factors that could cause actual results to differ from forward-looking statements.
04—Continue