- Introduction to Encompass Insurance
- What Kinds of Insurance Does Encompass Offer?
- How Does Encompass Insurance Work?
- Pros and Cons of Encompass Insurance
- Get Customer Support Or File A Claim For Encompass Insurance
- Frequently Asked Questions
Introduction to Encompass Insurance
Encompass is a subsidiary of Allstate insurance, headquartered in Illinois, which focuses on car and homeowners insurance. The original company that would evolve into Encompass was founded in 1897. In 1999, the company was sold to Allstate Insurance and named Encompass. Today, Encompass is sold through a network of over 2,600 independent agents and is one of the largest personal property and casualty insurance providers in the United States.
What Kinds of Insurance Does Encompass Offer?
Encompass offers a large suite of policies, including homeowners, renters, auto, personal umbrella, home business, recreational vehicle, motorcycle, watercraft and more. Encompass does not sell directly to consumers, but can be purchased through independent agents.
They also sell a comprehensive policy that covers home as well as auto and possessions, called the EncompassOne policy.
Does Encompass Sell Auto Insurance?
Yes, Encompass sells auto insurance. Encompass auto policies offer all standard coverages, including bodily injury and property damage, personal injury protection, comprehensive, collision, uninsured/underinsured motorist, and medpay (not all coverages are available in all states or for all drivers/vehicles). Encompass auto customers can also purchase additional coverages, such as New Car Replacement, Accident Forgiveness, Loan/Lead Gap Coverage, and 24/7 Roadside Assistance. Encompass also offers auto discounts for homeowners, new cars, regular payments, completing defensive driving courses, or maintaining certain safety equipment such as anti-lock brakes, passive restraint systems, and anti-theft devices.
Does Encompass Sell Homeowners Insurance?
Yes, Encompass sells homeowners insurance. They offer three tiers of homeowners insurance; Elite, Deluxe, and Special. While all three tiers offer standard coverages such as dwelling and other structures, additional living expenses, medical expenses, and personal liability, each tier offers more customized features or coverages for protection.
- Special: Offers homeowners and auto in a single package, with no dollar limit on additional living expenses for up to one year, and additional protection against theft of jewelry and fur, and burglary or theft recovery.
- Deluxe: Offers higher limits homeowners and auto in a single package, with one deductible and premium. Customers can purchase higher special coverage for items such as jewelry and fur, as well as up to 200% of a property’s estimated value, including structures and contents, as well as “walk-away” coverage which pays out the estimated value of a loss instead of requiring reconstruction.
- Elite: Encompass’ highest-level coverage, which offers all the benefits of a Deluxe policy with even higher limits including; up to $10,000 in jewelry and fur coverage, no time or dollar limit for additional living expenses, up to $20,000 in mortgage rate protection, up to $50,000 in HOA assessment fee coverage, up to $20,000 in identity fraud expense coverage, and no-deductible lock replacement.
Encompass also offers discounts for bundling insurance policies, younger homes, burglar alarm systems, and more.
Does Encompass Sell Liability Insurance?
Yes, Encompass sells liability insurance, also called umbrella insurance, to consumers. Their policies cover situations such as a person getting injured on your property, damage you may cause to someone else’s property, or accusations of slander and libel against you.
How Does Encompass Work?
Encompass sells insurance through its network of independent agents around the country. You can locate an agent near you through the locator tool on the Encompass website.
Pros and Cons of Encompass
Pros
- Encompass gets an A+ (superior) rating from AM Best, dating from August 2023.
- Encompass provides many customization options, with various tiers and additional coverages.
- For California customers, Encompass offers Earthquake policies through the California Earthquake Authority.
- In addition to standard homeowners and auto policies, Encompass also offers policies for harder to insure risks including Home Businesses, Watercraft, RVs, and Motorcycles.
Cons
- Customers cannot get their own quotes and need to contact an agent to get specific information or pricing options.
- Encompass is not available in all states; it provides coverage in 40 states.
- Claims must be filed over the phone–Encompass’ website does not offer an email option. It has a mobile app, but the app has a one star rating in the Apple App Store.
- Bankrate gives Encompass a 3.4 out of 5 rating for auto insurance, mostly because of the app, the inconvenience of filing claims over the phone, and a lack of a 24-hour customer service option..
Get Customer Support For Or File A Claim With Encompass
To file a claim over the phone, call Encompass customer service at 1-800-588-7400. For any mail related to claims, use this address: P.O. Box 1623, Winston-Salem, NC 27102
Customers can also fill out an online contact form for customer service requests here, response time is estimated at 3-5 business days.
Frequently Asked Questions
Should I Buy Encompass Insurance?
Deciding whether to buy Encompass depends on your insurance needs and preferences. Encompass offers a wide range of policies and pricing options for auto, home, umbrella and home-based business insurance. Be sure to compare their options with other companies. Do you live in Washington, or California, Texas, New York, or Florida? If so, Coverage Cat can help you determine your insurance needs.
Is Using Encompass Worth It?
Encompass may be a great option for you, for homeowners, auto or umbrella insurance needs. The best way to find out is to compare your Encompass quote with Coverage Cat. We'll find you the best possible offers, including Encompass, and make it easy to buy your best possible policy.
