Encompass insurance review 2024

Bankrate’s insurance editorial team conducted an in-depth study of Encompass, and based on our findings, we’ve issued the company a Bankrate Score of 3.4 out of 5 for its auto insurance product. Although the company offers many discount opportunities and coverage packages, Encompass’ low mobile app ratings and lack of 24/7 customer support for non-claims drove down this score.

With that said, this insurance provider could be a good option to consider for certain drivers who want to simplify the car insurance process or pay for just one deductible across their home and auto policies. Encompass works to simplify the car insurance process with its EncompassOne Policy (which includes home and auto combined) and offers three car insurance tiers: Special, Deluxe and Elite.

Encompass car insurance comes with pre-selected features, limits and discounts, although drivers can craft their own policies as well. Outside of the standard coverage types you'd expect to find with a typical company, Encompass also offers new car replacement and gap coverage, which may interest those with brand-new vehicles. Additionally, Encompass offers accident forgiveness, protecting you from a surcharge if you're involved in an at-fault accident. Even better, drivers with an EncompassOne policy could have more than one at-fault accident forgiven with the company's enhanced accident forgiveness option.

Pros and cons of Encompass car insurance

As with any car insurance company, there are pros and cons to consider when choosing a carrier. Weigh the following pros and cons of Encompass Insurance car insurance to help you decide if this carrier might be the right fit for you.

After reviewing Encompass home insurance, we’ve issued this product a Bankrate Score of 3.7 out of 5.0. While the company does offer more homeowners discounts compared to some other competitors, its overall average base premiums are higher than average. Additionally, the company does not offer online claims filing, which some homeowners may find inconvenient.

Like its car insurance policies, the EncompassOne policy for homeowners insurance also comes in three tiers: Special, Deluxe and Elite. There are unique policy features for each tier, along with discounts and policy limits. For example, the Elite and Deluxe homeowners tiers come with 200 percent extended dwelling coverage. Some other customizable options include water backup protection, mortgage rate protection if your mortgage is affected due to a covered total loss, and computer and data recovery coverage.

With Encompass, you can also customize your home policy with add-ons like enhanced replacement cost coverage, which will pay to rebuild your home after a covered loss, even if the cost is higher than the insured amount. Encompass also offers mortgage rate protection. If you must get a new mortgage after a total loss and the interest rate is higher than your previous rate, Encompass will cover up to $20,000 in increased costs for acquisition fees, closing costs and other fees.

Pros and cons of Encompass Insurance homeowners insurance

Whether you’re a new homebuyer or simply looking for cheaper rates, comparing home insurance quotes can seem intimidating. However, making a list of the pros and cons can help you choose the best home insurance company for your situation and needs.

If you’re still unsure if Encompass Insurance is right for you, there are alternatives to consider.

Bankrate established itself as a trusted voice in the financial services space as a print publication in 1976. At that time, we were called the Bank Rate Monitor. We've evolved over the decades and now help millions of readers make sound decisions regarding their mortgages, investments and insurance, among other important topics. Members of our insurance editorial staff are licensed agents, and we use our real-life industry knowledge to conduct extensive company reviews each year.

Encompass may be a good insurance company to consider if it’s available in your state. However, it has limited third-party customer reviews and scores, which can make it more challenging to determine whether the carrier will meet your needs. Encompass offers numerous insurance products, and its EncompassOne policy may be an attractive and affordable option for some. However, it has higher-than-average complaints with the NAIC compared to the industry average.

What are real-life customers saying about Encompass?

With a company like Encompass that doesn’t have J.D. Power ratings, finding reviews from current policyholders can be vital when deciding what insurance company to trust with your most valuable assets. Bankrate reviewed multiple review sites and social media platforms so we can provide you with accurate and updated information in a condensed manner.

Possibly because Allstate purchased Encompass and there are currently undergoing internal changes throughout the company, there aren’t many reviews available for Encompass dated within the past couple of years. Reviews on Yelp show that customers are very unhappy with the claims and customer service they are receiving, with a significant focus on lack of communication and claim payout amounts. However, reviews dated before 2018 reflect a much better experience.

Trustpilot only has one review for Encompass and that one, too, points to a lack of communication and quality of customer service as a major sticking point. Users on Reddit are mostly concerned with the future of Encompass and if the rebranding of the company will impact availability. In this situation, picking up the phone and speaking directly to an Encompass agent may give you the most realistic impression of what doing business with this company is like.

Encompass company details

If you would like to speak to Encompass about starting a new policy or have questions about an existing policy, here is the most pertinent contact information that you will need:

• To purchase a new policy, find a local agent by using Encompass’s online agent locator 
• To file a claim, call 1-800-588-7400
• Website: encompassinsurance.com
• For general correspondence, send mail to 2775 Sanders Rd Northbrook, Illinois 60062-6110

State availability

• Encompass is available in all states except the following: AK, FL, HI, MA, MS, MT, NC, ND, SD and WY

Encompass Insurance tools and benefits

Encompass offers a few other insurance products in addition to home and auto insurance, as well as some perks that may appeal to policyholders. These include:

• Condominium insurance: Condominium owners need a different type of insurance policy, and this policy is tailored specifically for their unit, belongings and liability risk.
• Renters insurance: As a renter, this policy type provides coverage for your personal belongings, liability and loss of use.
• Personal umbrella policy: With a personal umbrella policy, you can extend the liability coverage of your home and car insurance to further protect your financial assets.
• Identity theft protection: This coverage option could pay up to $20,000 for recovering damages and fees if your identity is stolen.
• Lifestyle endorsement: This unusual endorsement extends your coverage in several ways, including coverage for alternative education or care if a dependent's school is closed as a result of a covered loss and coverage against theft while traveling.
• Home business insurance: Covers liability, medical expenses and more for a home-based business.
• Auto policy extras: The Deluxe policy includes free windshield repairs, first-time accident forgiveness and electronic equipment coverage. The Elite package offers unlimited accident forgiveness, auto trip interruption, roadside assistance company car protection and other features of the Deluxe plan.

Frequently asked questions about Encompass

Bankrate utilizes Quadrant Information Services to analyze the latest rates in September 2024 for ZIP codes and carriers in all 50 states and Washington, D.C. Rates include the most recent approved rate changes filed by insurance companies that affect our profile. These revised rates are then weighted based on the population density in each geographic region so that policyholders can see the impact rates have in their areas.

Auto

Quoted rates are based on a single, 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 coverage that meets each state’s requirements. Our sample drivers own a 2021 Toyota Camry, commute five days a week and drive 12,000 miles annually.

Age: Rates were calculated by evaluating our base profile with the ages 16-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts.

The rates for drivers ages 16-20 added to their parents' policy reflect the good student and driver's training discounts applied. The rates for drivers aged 16-20 on their own policy do not include the good student and driver's training discounts. Additionally, 25-year-old rates are based on the driver as a renter and 30+ on the driver as a homeowner.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket and single at-fault accident.

Credit-based insurance scores: Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.

Homeowners

Quoted rates are based on married male and female homeowners with a clean claim history, good credit and the following coverage limits:

• Coverage A, Dwelling: $150,000, $300,000, $350,000, $450,000, $750,000
• Coverage B, Other Structures: $15,000, $30,000, $35,000, $45,000, $75,000
• Coverage C, Personal Property: $75,000, $150,000, $175,000, $225,000, $375,000
• Coverage D, Loss of Use: $30,000, $60,000, $70,000, $90,000, $150,000
• Coverage E, Liability: $500,000
• Coverage F, Medical Payments: $1,000

The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.

These are sample rates and should be used for comparative purposes only. Your quotes will differ.

Bankrate Score

Our 2024 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

• Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the NAIC, were analyzed.
• Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
• Tier 3 (Support): To encompass the many ways an auto and home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.