Encompass Insurance review 2023

Encompass Insurance car insurance

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 3.5 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 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 Insurance car insurance

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

Encompass Insurance car insurance cost

The average cost of Encompass car insurance is not available. However, the average cost of car insurance in the United States is $2,014 per year for full coverage insurance and $622 per year for minimum coverage, though your rates may vary depending on where you live, the type of car you drive and more. Drivers interested in learning how much an Encompass car insurance policy might cost will need to contact one of Encompass’ independent agents to request a quote. You can use the agent locator tool on the Encompass website to find a local agent to get a quote for Encompass car insurance.

Encompass Insurance car insurance rates by driving history

Your driving history can have a significant impact on how much you pay for car insurance. For instance, having a speeding ticket, at-fault accident or DUI on your record may prevent you from getting the cheapest car insurance rates. To get a quote based on your driving history, contact a local Encompass agent. Keep in mind, if the incident was recent, it may not immediately show on your motor vehicle record, which could impact your rates when the policy is issued or at the next renewal.

Encompass Insurance car insurance quotes by age

Your car insurance rate may also depend on your age. The younger you are, the higher your premiums typically are, as you have less driving experience behind the wheel than older age groups. Having a teen driver can also impact rates, which will depend on several factors, including whether the teen driver is included on a parents’ policy or their own individual policy.

Average cost of car insurance for drivers on their parent’s policy

Average cost of car insurance for drivers on their own policy

Encompass Insurance car insurance discounts

Encompass Insurance offers several car insurance discounts and other ways to save. Discount opportunities with this provider may include discounts for paying on time, bundling with home insurance, being a good student, having a theft deterrent, paying in full or setting up automatic installment payments. Encompass also has a few unique car insurance discounts, including:

Encompass Insurance car tools and benefits

Policyholders who choose an Encompass Insurance EncompassOne policy for home and auto may get access to additional car insurance benefits, though it depends on the level of coverage that’s chosen. For example, 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.

Encompass Insurance home insurance

After reviewing Encompass home insurance, we’ve issued this product a Bankrate Score of 3.2 out of 5.0. While the company does offer more homeowners discounts compared to some other competitors, its overall 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% 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 make sense of what a company has to offer.

Encompass home insurance cost

The average cost of home insurance from Encompass Insurance is unavailable, but will likely vary based on your ZIP code, age and condition of the home and coverage needs. The average cost of homeowners insurance nationwide, however, is $1,428 per year for a policy with $250,000 in coverage. If you want to get a homeowners insurance quote from Encompass, you will need to speak with an Encompass insurance agent, as there is no option to get a quote online.

Encompass Insurance home insurance discounts

Encompass Insurance offers a few different homeowners insurance discounts you might be eligible for, including:

Encompass Insurance home tools and benefits

Encompass does not advertise any other home services for its home insurance customers.

Encompass Insurance customer satisfaction

One way to determine if a company like Encompass Insurance is a good fit is to review third-party customer satisfaction scores and ratings. These scores and ratings use real current and prospective consumers' experiences to show how an insurance company compares to competitors.

Encompass Insurance auto claims

The National Association of Insurance Commissioners (NAIC) issues a complaint index for all insurance companies based on the number of consumer complaints received each year. The industry average is 1.00, while the Encompass complaint index is 1.20, which is slightly above the industry average.

Another third-party score to consider is the overall customer satisfaction rating from J.D. Power, but Encompass was not ranked in the 2022 U.S. Auto Claims Satisfaction Study.

Encompass Insurance homeowners claims

In contrast to Encompass' complaint index score for auto, its score for homeowners is below the industry average, coming in at 0.64. This could indicate that customers are more satisfied with the company's homeowners insurance than they are with their auto policy.

Encompass was not ranked as part of the J.D. Power 2022 U.S. Property Claims Satisfaction Study.

How to file a claim with Encompass Insurance

If you wish to file a claim with Encompass Insurance, you can do so through your independent agent or by calling Encompass directly. Here are the steps to take to file an Encompass Insurance claim:

1. Contact Encompass at 1-800-588-7400.
2. Get assigned a claim number for tracking purposes.
3. Wait for a claims team member to reach out to you, who will provide details about the claim and answer any questions you have.
4. Get assigned an adjuster, who will evaluate damages and provide an estimate for repairs.

Once the adjuster has provided the estimate, you will speak with the claims team to discuss the next steps and settlement options you have available, according to your policy coverage and terms.

Encompass Insurance availability

Encompass Insurance is not available nationwide. Its insurance products are available in 39 states, and are unavailable in the following states:

• Alaska
• Florida
• Hawaii
• Massachusetts
• Mississippi
• Montana
• North Carolina
• North Dakota
• South Dakota
• Wyoming

Other Encompass Insurance perks worth considering

Encompass offers a few other insurance products in addition to home and auto insurance. 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.

Encompass Insurance corporate sustainability

Encompass Insurance does not provide information on its corporate sustainability efforts. The carrier is a subsidiary of Allstate Insurance Company, which introduced the Encompass name in 2000 after purchasing CNA’s personal lines insurance business.

In 2021, the Allstate Foundation invested over $44 million and more than 92,000 volunteer hours, along with employees and agents. The foundation focuses on empowering youth, breaking relationship abuse cycles, advancing racial equity and accelerating the impact and growth of nonprofits and community leaders. Allstate provided over $6 million in nonprofit corporate support in 2021.

Not sure if Encompass Insurance is right for you?

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

Encompass Insurance vs. Allstate

As Encompass’ parent company, Allstate Insurance offers the same insurance products, but does not have a bundle policy with a single deduction and premium like Encompass offers. However, safe drivers may be able to save more with Allstate through DriveWise, its telematics program. Allstate is also available nationwide, whereas Encompass is only available in 39 states. Although Encompass only offers quotes through its 2,400 independent agents, Allstate offers quotes online for home and auto insurance. Allstate also offers rideshare coverage, which is not available through Encompass.

Learn more: Allstate Insurance Review

Encompass Insurance vs. Progressive

Progressive is a national carrier that offers similar insurance products to Encompass but it does not have the single policy option. However, Progressive offers a wider range of products, including life insurance, health and dental insurance, personal loans, pet and segway insurance. Progressive may be a good fit for people with insurance needs that Encompass does not provide for or in states where Encompass does not offer coverage.

Learn more: Progressive Insurance Review

Encompass Insurance vs. Amica

With Amica Insurance, you can bundle home and auto and receive up to 20 percent savings on the bundled policies, though they are separate policies and do not have a single deduction or premium feature. Amica also offers a unique feature for those who qualify: its dividend policy, which provides up to 20 percent of returned annual premiums. Amica also tops both the auto and property claims satisfaction studies in 2022, which may make this carrier a better choice for those who want a predictable and positive claims experience. Amica is available in most states, though product and coverage availability are state-specific.

Learn more: Amica Insurance Review

Is Encompass Insurance a good insurance company?

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. Three 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.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2023 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on 40-year-old male and female homeowners with a clean claim history, good credit and the following coverage limits:

Auto

• $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.

Homeowners

• Coverage A, Dwelling: $150,000, $250,000, $350,000, $450,000, $750,000
• Coverage B, Other Structures: $15,000, $25,000, $35,000, $45,000, $75,000
• Coverage C, Personal Property: $75,000, $125,000, $175,000, $225,000, $375,000
• Coverage D, Loss of Use: $30,000, $50,000, $70,000, $90,000, $150,000
• Coverage E, Liability: $300,000, $300,000, $300,000, $300,000, $500,000
• Coverage F, Medical Payments: $1,000

The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).

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

Bankrate Score

Our 2023 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.

Like our previous Bankrate Scores, 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. This year, our 2023 scoring model provides a more comprehensive view, indicating when companies excel across several key areas and better highlighting where they fall short.

• Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, 2023 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 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.