More on Home Insurance
More on Home Insurance
Encompass, a subsidiary of Allstate, provides an extensive amount of unique policy options and discount opportunities for homeowners willing to pay higher premiums than the industry average.
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Wide variety of customizable policy options
Solid discount selection
Several unique, standout features
Not available in all states
No instant quote tool
THE BOTTOM LINE
Encompass is an independent subsidiary of Allstate, the second-largest home insurance provider in America. Whereas its parent company offers affordable policies for first-time buyers, Encompass provides more personalized, customizable options at a higher cost. For that extra money, you can get an extensive amount of coverage features spread across three tiers, like unlimited additional living expenses coverage, property protection that grants 200 percent of the replacement value of your home, and only a single deductible for all claims. If you can swing the annual premium by taking advantage of their several discount options, we recommend Encompass for your homeowners protection.
ENCOMPASS COMPANY SPOTLIGHT
J.D. Power Rating
A trusted customer satisfaction and product quality research agency
A nonprofit organization focusing on marketplace trust and product quality
A.M. Best Rating
100-year-old U.S. credit rating agency focused on the insurance industry
The Bottom Line
If you live in one of the 39 states where Encompass is available, and you’re okay paying higher premiums, we recommend this carrier for their comprehensive, customizable, and unique policy features. If you’re worried about the price, there are a number of discounts available, so it is possible to balance out the cost in the end. Another strength lies in Encompass’s’s customer service reputation, with minimal complaints tracked by the Better Business Bureau and National Association of Insurance Commissioners.
IN THIS ARTICLE
Wide variety of customizable policy options. Encompass offers three tiers of custom-made policy packages. Each tier comes with the usual coverage you’d expect, while the Deluxe and Elite products pack an extra bang for the extra buck.
Solid discount selection. To help save money, Encompass has several useful discounts you can take advantage of, like a smoke alarm and other safety device discount and a renovation discount if you’ve had new plumbing or roofing installed.
Several unique features. There are several standout features included with the Deluxe and Elite packages, including a single deductible for both home and auto claims, a protection limit that combines all coverage limits under one number, and unlimited living expenses if your home is damaged and you need to live somewhere else while it’s being repaired or rebuilt.
Pricey premiums. For all these excellent features, Encompass charges a high annual premium — higher than the industry average. However, you can save by bundling home and auto policies together and take advantage of several other nifty discounts.
Not available in all states. Unfortunately, Encompass is not available nationwide, and some individual policy options may not be attainable in certain states.
No instant quote tool. There aren’t many online tools available for learning about the cost of Encompass home insurance, so you’ll have to pick up the phone and dial a customer service agent to get a quote.
Homeowners insurance rates depend on several factors, including the construction type of your home, your home's age, your state and ZIP code, any risks related to the home, and the purchased amount of coverage. Your home's replacement cost can also affect your rates.
According to Policygenius data, you can expect to pay around $2,420 annually for around $300,000 of coverage with Encompass. That's about 34 percent higher than the industry average quoted policy. Translated, that means this particular carrier is aiming its services towards mid- to high-income customers. And that means Encompass will be expensive for most people.
To help lower your insurance premium, you can take advantage of available discounts. With Encompass, you can save money by updating your plumbing, living in a home two decades old or newer, or by simply having smoke alarms installed in your home.
There’s also a multi-policy bundle called EncompassOne, which lets you save on both home and auto. It can also cover jewelry and other possessions. Its most notable aspect? You can pay a single deductible, so if both your car and roof sustain damage during the same storm, only the highest deductible will be applied. This bundle discount is not available in Florida, Massachusetts, North Carolina, or Texas.
Here are the discounts Encompass offers:
When shopping for homeowners insurance, you want to make sure your company of choice can pay out any claims (should it come to that). To determine the financial stability of carriers, we turn to the independent industry watchers who rate the credit worthiness of companies.
Encompass, which was officially founded as a subsidiary of Allstate back in 1999, enjoys a superior rating for the top credit rating agency A.M. Best. Currently, that's the only score available and it’s the one we’ve based our ratings on.
Here’s the breakdown:
Credit rating firm A.M. Best, which specifically focuses on the insurance industry, gives Encompass an A+. That “superior” rating, the best one on the firm’s ratings scale, means Encompass is capable of meeting customer needs.
Financial analysis firms Moody’s and Standard & Poor’s, have not scored Encompass.
Similarly, there aren’t many avenues to see what customers think of Encompass. Currently, the carrier only has a couple ratings available from customer sentiment sites. They were not included in J.D. Power’s homeowners satisfaction survey, nor are there any reviews available on Consumers Advocate, Consumer Affairs, or Trustpilot.
The Better Business Bureau grades companies based on customer complaints and truth in advertising and. Encompass receives an A+ from the BBB. There’s a 1-and-a-half-star customer review rating based on a low number of reviews with few complaints as well.
Consumers Advocate, a third-party review site that focuses on company reputation, coverage options, customer service, and stability, does not yet have a review available for Encompass.
Consumer Affairs is a site where customers can directory rate companies and write reviews. They don’t have a page available for Encompass.
J.D. Power, which ranks insurance companies based on their clarity of billing, policy information, and pricing, did not include Encompass in their homeowners insurance study.
Customer review site Trustpilot does not have a page for Encompass Insurance.
The National Association of Insurance Commissioners (NAIC) tracks complaints submitted to state insurance departments. Based on their complaint index, Encompass homeowners insurance has a rating of zero. A score of 1 represents the baseline average, and a zero means there weren’t enough customer complaints to count.
Encompass insurance coverage options are split across three separate packages: Special, Deluxe, and Elite. No matter the package you choose, every Encompass customer receives the usual HO-3 features, including:
And here’s how each separate Encompass policy package breaks down:
You can also choose these optional add-ons for extra protection:
The Deluxe package has everything in the Special coverage package, including the optional add-ins, plus:
The Elite package includes everything in the Special and Deluxe policies, as well as:
Like all insurance companies, these policy options will vary based on where your location and other factors. For your own customized look at your coverage options, speak to a Policygenius home insurance agent.
And for more information about what homeowners insurance can cover, refer to our comprehensive homeowners insurance explainer.
As an Allstate subsidiary, you can expect excellent customer service and a seamless application process. It’s easy to manage your policy as well, thanks to a mobile app called MyEncompass which lets policyholders access agent contact information, view policy information, pay premiums, and sign up for an automated monthly payment plan. This app is not available in Massachusetts.
Encompass does not provide its insurance products in Alaska, Florida, Hawaii, Massachusetts, Mississippi, Montana, North Carolina, North Dakota, South Dakota, or Wyoming.
To apply or receive an estimation you have to contact a Policygenius agent. You can also call Encompass customer service or use their agent locator.
To file a claim, you need to call an Encompass agent.
Policygenius offers insurance policies from many of the nation's top insurers, who pay us a commission for our services. However, all editorial choices are made independently.
Tim Torres is the reviews editor at Policygenius. His work has appeared in Computer Shopper, Tom's Guide, and numerous other outlets over the last ten years.
Policygenius’ editorial content is not written by an insurance agent. It’s intended for informational purposes and should not be considered legal or financial advice. Consult a professional to learn what financial products are right for you.
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