Encompass Insurance Review 2021

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Encompass Insurance specializes in home and car insurance. Founded in 1897, the carrier was purchased by Allstate in 1999 to become the insurer you know today.

Encompass auto insurance or homeowners coverage is available through 2,600 agents nationwide. Unless you’re in the states of Alaska, Florida, Hawaii, Massachusetts, Mississippi, Montana, North Carolina, North Dakota, South Dakota or Wyoming, you can buy Encompass car insurance.

Encompass car insurance

Encompass wants to simplify the car insurance process. The carrier organizes car insurance into tiers or levels, each with a number of extras included. The Encompass auto insurance standalone packages are referred to as Special, Deluxe and Elite. While each of their three packages offers standard coverages like collision and liability insurance, they also offer additional coverages.

Types of coverage

  • New car replacement: Encompass Insurance replaces your existing car after a total loss with a new version.
  • Accident forgiveness: The first at-fault accident is forgiven to save you from a premium spike. Elite policyholders are eligible for multiple accident forgiveness.
  • Gap: Pays the balance of what you owe on your car loan if it’s more than the payout you get if your vehicle is totaled.
  • Roadside assistance: You can get help with a tow, flat tire or a breakdown.

Cost of Encompass car insurance

We found while researching data for our Encompass insurance review that the carrier’s prices for car insurance are higher than average. The reason is likely due to the number of features Encompass Insurance adds to their coverage packages, such as accident forgiveness and roadside service. The average costs below are annual prices based on the state-required minimum liability insurance and full car insurance, which adds comprehensive and collision coverage to pay for damages to your vehicle.

Average Annual Premium for Minimum Coverage Average Annual Premium for Full Coverage
$570 $1,920

Discounts

  • New car: Newer cars come with more advanced safety features, making them less expensive to insure.
  • Safe driving: Avoid claims, tickets and accidents during the policy year and you’ll earn a 5% discount.
  • Easy pay: Set up automatic payments for savings.
  • Future effective date: Issue your new policy seven days in advance or more for a discount.
  • Good payer: Pay your premiums on time and avoid cancellation notices and you’ll be awarded with cheaper car insurance.
  • Defensive driver: Drivers who complete a defensive driving course qualify.
  • Anti-lock brakes: Must be factory equipped
  • Anti-theft device: Policyholders with comprehensive coverage who have passive security, special locks or VIN etching get a reduction in premiums.
  • Good student: For students with a B average or better.
  • Driver training: Drivers under 21 who complete a training course qualify.
  • Resident student: Reductions for students are available if they are living at least 100 miles away from home.
  • Encompass One: Choose the carrier’s ultimate bundle of home and auto insurance for the biggest savings on premium insurance.

Encompass home insurance

Encompass offers home, condo and renters insurance. As with Encompass auto insurance, there are three levels of homeowners insurance, classified as Special, Deluxe and Elite.

Types of coverage

  • 200% home value coverage: Deluxe and Elite policyholders receive up to twice their home’s value to replace/rebuild the home and its content.
  • Water backup protection: Included in Elite coverage or available as an add-on for other tiers.
  • Mortgage rate protection: Up to $20,000 if you’ll need a higher-rate mortgage because of a covered loss.
  • Jewelry and fur coverage: An optional endorsement for higher-value items.

Discounts

  • Security: If you have a home security system installed, you can save on your home insurance.
  • Newer home: Homes 49 years old or newer receive lower rates.
  • Encompass One: Choose the carrier’s ultimate bundle of home and auto insurance for the biggest savings on premium insurance.

Reasons why Encompass is a good option

Encompass offers standalone home and car insurance packages that are grouped into three levels of coverage named Special, Deluxe and Elite. This makes choosing the insurance you need simple. Encompass Insurance goes one step further by offering Encompass One — the provider’s ultimate bundle of home, auto and high-value item coverage. If you’re looking for full coverage with perks from one carrier, the Encompass One package may be the best choice. The only drawback is cost — Encompass isn’t the cheapest insurance company, but you’re at least getting lots of value out of your premium.

Encompass ratings, reviews, customer satisfaction and complaints

The typical Encompass insurance review from a customer comments on the ease of choosing an insurance package. Encompass keeps it simple by offering three tiers for home or auto insurance, or a single plan that includes both.

Encompass gets a superior rating for financial stability (A+) from AM Best. The insurer isn’t large enough to rank in J.D. Power’s customer satisfaction studies. The National Association of Insurance Commissioners compiles customer complaints into an index. Encompass has a higher than average rate of complaints at 1.78. It’s nearly double the average of 1 for insurers nationwide.

Encompass Insurance review
AM Best A+
NAIC 1.78
J.D. Power NR

Additional policies offered by Encompass

  • Umbrella coverage
  • Motorcycle
  • RV
  • Watercraft

Frequently asked questions

What do I need to get a quote from Encompass?

To get a quote from Encompass Insurance, you’ll need to find and visit an agent near you.

How do I file a claim with Encompass?

There are a couple of ways to file a claim. The easiest is to call 1-800-588-7400 and get the process started over the phone. Or you can find and visit a claims office near you.

Methodology

Bankrate utilizes Quadrant Information Services to analyze rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2018 Honda Accord, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.

Written by
Cynthia Paez Bowman
Personal Finance Contributor
Cynthia Paez Bowman is a finance and business journalist who has been featured in Bankrate, Business Jet Traveler, MSN, CheatSheet.com, Freshome.com and TheSimpleDollar.com. She regularly travels to Africa and the Middle East to consult with women’s NGOs about small business development and works with select startups and women-owned businesses to provide growth and visibility.