Insurance company keeps raising rates and making my mortgage payments go up. What should I do? 
Yes it is legal , all insurance is regulated by the state insurance commissions , so anything Allstate is doing has been approved by them . First thing you should do now is contact a local independent agent and have them quote you with multiple carriers that can compete for your business . Typically the insurance companies are going to want your home and auto bundled together . This also gives you the most discount opportunities . Every insurance company will work with your mortgage company to get the premium paid . 