Encompass home insurance review: Save up to 30% when you bundle your home & auto policies
Encompass homeowners insurance offers a slew of policy add-ons with high coverage limits, as well as a stellar multi-policy discount. Compare rates & get quotes today.
By
Jennifer GimbelJennifer GimbelSenior Managing Editor & Home Insurance ExpertJennifer Gimbel is a senior managing editor and home insurance expert at Policygenius, where she oversees our homeowners insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.
Expert reviewedExpert reviewedThis article has been reviewed by a member of ourFinancial Review Council to ensure all sources, statistics, and claims meet the highest standard for accurate and unbiased advice.Learn more about oureditorial review process.
Our proprietary ratings methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the “Ratings methodology” section for more details.
4.5
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A+
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
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The bottom line
Encompass home insurance is an excellent option if you’re looking for comprehensive coverage add-ons with higher limits than what you’d find in a standard home insurance policy. Not only does it offer guaranteed replacement cost coverage for your home, but it extends your dwelling, other structures, and personal property limits to 200% of your home’s value.
Its special lifestyle endorsement provides extra protection for family members in assisted living facilities, open-perils coverage for your sports and hobby equipment, protection against ATM theft or stolen money withdrawn while traveling, and more.
You should also consider Encompass if you plan to bundle your home and auto insurance policies with one company — you can save up to 30% on your home insurance rate with its multi-policy discount. But if the ability to file claims online is important to you, you’ll need to look elsewhere. Encompass only lets you file a home insurance claim over the phone.
Save up to 30% when you bundle your home and auto insurance
Guaranteed replacement cost coverage for your home available
Accepts all dog breeds — rare among insurance companies
Cons
Rates are nearly 25% higher than the national average
Can’t file insurance claims online
Not available in 10 states — Alaska, Florida, Hawaii, Massachusetts, Mississippi, Montana, North Carolina, North Dakota, South Dakota, or Wyoming
Basic coverages offered
Encompass home insurance policies include these six standard coverages to protect your home, belongings, and personal liability:
Dwelling coverage: Pays to repair or rebuild the structure of your home after a covered loss.
Other structures coverage: Pays to repair or rebuild other structures on your property not connected to your home, including detached garages, storage sheds, and fencing.
Personal property coverage: Pays to repair or replace your personal belongings after a covered loss, including furniture, clothing, tech gadgets, and other stuff you own.
Loss of use coverage: Pays for hotel stays, restaurant bills, pet boarding fees, and other temporary living expenses after a covered loss if you need to live elsewhere while your home is being rebuilt.
Personal liability coverage: Pays for legal and medical expenses if someone is injured or their belongings are damaged while at your home and you’re found legally responsible.
Medical payments coverage: Pays for small-dollar medical bills if someone is injured while at your home — regardless of who is at fault.
Additional coverages offered
The following coverages are either included or can be added to your Encompass homeowners insurance policy for an additional cost:
Water backup: Protects your home and belongings from water damage caused by a sump pump overflowing or clogged sewer.
Increased jewelry and fur: Offers up to $10,000 in jewelry and fur coverage with no need for special riders or schedules. It even covers them against theft or if they’re lost — two things that typically aren’t covered in a standard home insurance policy.
Increased additional living expenses: Covers the cost of hotel stays, restaurant bills, and other living expenses if you’re forced to live elsewhere after a covered loss while your home is repaired — with no time or dollar limits.
Walk-away coverage: Choose to receive a cash settlement after a total loss rather than rebuilding your home.
Mortgage rate protection: Offers up to $20,000 in coverage to pay for closing costs and mortgage acquisition fees if a total loss requires a new higher-rate mortgage.
Identity theft protection: If your identity is stolen, Encompass offers up to $20,000 in coverage to pay for legal fees, lost wages, and other expenses you incur during the recovery process.
Lifestyle endorsement: Offers up to $10,000 in personal property coverage for family members in extended care facilities, covers increased cost of education or care if a family member’s regular school or facility is forced to close after a covered loss, increases your medical payment limits for injuries to others that occur during sports activities, and more.
Personal injury: Expands liability coverage to include personal injury to others, such as slander, libel, wrongful eviction, or false arrest.
Enhanced medical expenses: Increases medical payments coverage to $10,000 for incidents that occur both at your home and away from it.
Increased landscaping and land restoration: Increased coverage to replace plants, shrubs, and trees, and stabilize the land around your foundation after a covered loss.
Fine art: Covers the cost to replace broken glass protection around your fine art, as well as broken porcelain statues or other fragile art pieces.
Burglary or theft reward: Offers a reward to find the burglars or trespassers that damaged your home.
Lock and key replacement: If your keys are lost or stolen, Encompass pays to replace your house locks and keys — with no deductible required.
Personal umbrella insurance: Provides additional liability protection for expensive medical or legal bills you’re found legally responsible for.
Condo insurance: Purchased as a supplement to your condo association’s master policy, condo insurance covers your personal belongings, the interior structure of your condo unit, and personal liability.
Renters insurance: Includes coverage for the personal belongings in your rental home or apartment against fire, vandalism, theft, windstorms, and water damage, as well as personal liability and loss of use coverage.
Ratings methodology
Price
3.7/5
Encompass scores middle of the pack on our price rating scale due to its average annual home insurance rate that’s nearly 25% higher than the national average and six discount opportunities.
Customer experience
4.1/5
Encompass wasn’t included in J.D. Power’s 2022 overall customer satisfaction, claims satisfaction, or digital experience surveys. This means its above-average customer experience score is based solely on the National Association of Insurance Commissioners (NAIC) Complaint Index Report. In 2021, Encompass received around 40% fewer complaints than other insurance companies of its size.
Coverage options
4.8/5
Encompass earns a near-perfect score on our coverage options rating scale thanks to the slew of coverages you can add on to your policy, including guaranteed replacement cost coverage for your home, extended replacement cost coverage for your personal belongings, water backup protection, cash-settlement claims, and more.
Financial strength
4.2/5
Encompass earns a superior A+ rating with AM Best — the second-highest rating possible — which means it’s in a good financial position to pay out claims in the wake of a disaster. Its respectable financial strength score also factors in its above-average ratings of AA- with Standard & Poor’s and Aa3 with Moody’s.
How much does Encompass home insurance cost?
The average cost of home insurance with Encompass is $2,420 per year for $300,000 in dwelling coverage, according to Policygenius rate data. That’s around 24% higher than the national average. Keep in mind that your actual rates will vary based on location, policy limits, coverages, claims history, and other factors.
Compare home insurance quotes with Encompass and other top insurers
You can save on the cost of Encompass homeowners insurance if you qualify for any of these discounts:
Multi-policy: If you bundle your home insurance with an Encompass auto insurance policy, you could save up to 30% on your home insurance rate.
Claims-free: If you haven’t filed a home insurance claim in the last five years.
Age of home: If your home is 20 years old or newer.
Renovation: If your home’s roof or heating, cooling, or plumbing systems have been updated in the last 10 years.
Protection devices: If your home is fitted with fire alarms, burglar alarms, fire extinguishers, or other safety devices.
Homebuyer: If you’ve purchased a home that’s less than 49 years old in the last five years.
Encompass home insurance state availability
Encompass offers home insurance policies in 40 states — it does not write policies in Alaska, Florida, Hawaii, Massachusetts, Mississippi, Montana, North Carolina, North Dakota, South Dakota, or Wyoming.
What to expect with Encompass home insurance
How to get a quote: You can get an Encompass home insurance quote online through Policygenius or by contacting a local Encompass agent.
Customer service options: You can get in touch with an Encompass customer service rep by calling 800-588-7400, logging in to your Encompass account online, or filling out this form on Encompass’s website.
How to file a claim: You can file an Encompass homeowners insurance claim by calling 800-588-7400 — make sure to have your policy number on hand.
How to cancel your policy: You can cancel your Encompass home insurance policy by contacting your local Encompass agent — their contact information should be on your home insurance policy’s declarations page.
Encompass vs. other home insurance companies
Compare Encompass home insurance to other popular insurers in the industry:
Encompass is a good insurance company if you’re looking for enhanced protection with high coverage limits. It’s also a good choice if you own a dog that other insurance companies consider too high-risk to insure, or if you’re looking to bundle your home and auto insurance with one company to save on rates.
Who owns Encompass Insurance?
Encompass is an independent subsidiary of Allstate, the second-largest home insurance provider in the U.S. Whereas its parent company offers affordable policies for first-time buyers, Encompass provides more personalized, customizable options.
How much does Encompass home insurance cost?
Encompass home insurance costs an average of $2,420 per year for $300,000 in dwelling coverage, according to Policygenius rate data. However, how much you pay will depend on your state of residence, coverage limits, history of claims, credit score, and other factors.
Jennifer Gimbel is a senior managing editor and home insurance expert at Policygenius, where she oversees our homeowners insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.
Ian Bloom, CFP®, RLP®, is a certified financial planner and a member of the Financial Review Council at Policygenius. Previously, he was a financial advisor at MetLife and MassMutual.
