Encompass Insurance Review

Encompass Insurance is a specialist in home and auto insurance. The carrier was founded in 1897 and was acquired by Allstate in 1999, thereby becoming the insurance company you know today.

Encompass homeowners and auto insurance is offered through 2600 agents across the country. Encompass auto insurance is available to anyone who lives in any of the following states: Alaska, Hawaii, Massachusetts. Mississippi, Montana. North Dakota. South Dakota. Wyoming.

Car insurance with Encompass

Encompass wants car insurance to be simpler. Encompass organizes car insurance into different levels or tiers, with various extras. Encompass’s standalone auto insurance packages are called Special, Deluxe, and Elite. Each package offers standard coverages such as collision and liability insurance. However, each one also has additional coverages.

Types of coverage

  • A new car is available: Encompass Insurance replaces the car you have after it has been totally damaged with a brand-new model.
  • Accident forgiveness To save you from a premium increase, the first at-fault incident is forgone. Multiple accident forgiveness is available to elite policyholders.
  • Gap Pays the remaining balance on your car loan, if it is greater than the amount you receive if your vehicle has been totaled.
  • Roadside assistance Get help with a flat tire, a tow or a breakdown.

Encompass Car Insurance: What is the Cost?

While researching data for Encompass’s insurance review, we discovered that car insurance prices are much higher than the average. This is due to the many features Encompass Insurance offers to their coverage packages such as roadside assistance and accident forgiveness. Below are the average annual costs based on minimum liability insurance required by the state and full-coverage car insurance which covers damages to your vehicle.

Average Annual Premium for Minimum InsuranceAverage annual premium for full coverage

Get Discounts

  • A new car: The latest cars have more safety features making them cheaper to insure.
  • Safe driving: You’ll get a 5% discount if you avoid claims, tickets, and accidents during your policy year.
  • Simple pay: Enable automatic savings payments
  • Future effective dates: Issue your policy seven days before the deadline or more to receive a discount.
  • You’ll get cheaper car insurance if you pay your premiums on-time and avoid cancellation notices.
  • Defensive driver: Drivers that have completed a defensive driving course are eligible.
  • Antilock brakes: Must have factory-equipped
  • Anti-theft device Policyholders who have comprehensive coverage and have either passive security, special locks, or VIN engraving receive a reduction in their premiums.
  • Excellent student: Students with a minimum of a B average.
  • Driver Training: Drivers aged 21 and under who have completed a training program are eligible.
  • Resident student: Students who live at least 100 miles from their home can get reduced rates
  • Encompass one: Get the best premium insurance deals by choosing the ultimate bundle of auto and home insurance from the carrier.

Encompass Home Insurance

Encompass provides home and condo insurance. There are three levels for homeowners insurance. They are Special, Deluxe, and Elite.

Types of coverage

  • 200% home-value coverage: Elite and Deluxe policyholders get up to twice the value of their home to replace/rebuild it and its contents.
  • Water backup protection – Available as an add on for Elite coverage.
  • Mortgage rate coverage: Maximum $20,000 for a mortgage that is higher than the standard because of a covered loss.
  • Fur and jewelry coverage: An optional endorsement to higher-value items.

Get Discounts

  • Security: Home insurance can be reduced by installing a home security system.
  • Home for the younger generation: Homes older than 49 years receive lower rates.
  • Encompass one: Get the best premium insurance deals by choosing the ultimate bundle of auto and home insurance from the carrier.

Encompass is a great option for you.

Encompass offers standalone car and home insurance packages. These are divided into three levels: Special, Deluxe, and Elite. This makes it easy to choose the right insurance for you. Encompass One is Encompass Insurance’s ultimate bundle that includes home, auto, and high-value items coverage. The Encompass One package is a great option if you want full coverage and perks from just one carrier. Although Encompass isn’t the most affordable insurance company, you get a lot of value for your premium.

Reviews, ratings, customer satisfaction, and complaints about Encompass are all available.

A typical Encompass customer review comments on the ease in choosing an insurance package. Encompass makes it easy by offering three levels of auto or home insurance or one plan that covers both.

AM Best gives Encompass a superior rating (A+) for financial stability. J.D. Power doesn’t rank Encompass as a large enough insurer to be considered. Power’s customer satisfaction surveys. The National Association of Insurance Commissioners compiles customer grievances into an index. Encompass has a rate of 1.78 complaints, which is higher than the average. This is nearly twice the national average of 1, which is for all insurers.

Review of Encompass Insurance
AM BestA+

Encompass offers additional policies

  • Umbrella coverage
  • Motorbike
  • RV
  • Watercraft

Questions frequently asked

What information do I need in order to receive a quote from Encompass

Encompass Insurance will provide a quote. To do this, you need to locate and visit an agent close to you.

How can I file a claim for Encompass?

There are two ways to file a claim. You can call 1-800-588-7400 to get the process underway over the phone. You can search for and visit a claims office close to you.