Encompass Insurance Company provides customers with tiered coverage and a variety of addition features for both homeowners and automobile insurance, allowing them to purchase policies catered to their needs. Given its latitude of policy options and stellar customer service feel, we recommend looking into Encompass, peculiarly if y'all're looking for a place to bundle all your insurance policies nether one roof.

  • Comprehend Insurance: Our thoughts
  • Encompass motorcar insurance
  • Embrace homeowners insurance
  • EncompassOne policy: Bundled dwelling house and automobile insurance
  • Cover customer reviews and financial strength ratings

Encompass Insurance: Our thoughts

If you're looking for homeowners and auto insurance policies with a multifariousness of features and optional coverage add together-ons, Encompass will provide you with a wealth of policy options at decent rates. Cover emphasizes bundling machine and homeowners insurance together and provides unique bonuses to encourage this approach, such every bit a single deductible for all claims.

Even if you're just shopping for standalone insurance policies, Encompass offers both homeowners and auto insurance policies with a high degree of customization. All plans include the standard coverage features you expect with these insurance policies, but you tin likewise opt for dissimilar packages — Special, Deluxe and Elite — with varying amounts of add-on features. For example, but an Elite homeowners insurance policy provides coverage for h2o fill-in damage. Whatever your needs, Encompass can provide you with a way to balance your desired coverage with an appropriate price.

Cover also has a decent customer service reputation. Particularly notable is its low level of customer complaints, as tracked by the National Association of Insurance Commissioners (NAIC) . Withal, the customer experience may seem old-fashioned compared to some other insurers. You cannot go an instant quote or manage the claims process online — you'll have to call an insurance amanuensis or claims service phone number to handle those processes. Encompass isn't all offline, though: You can view your policy information and pay bills online if you lot login to its "MyEncompass" service.

Auto insurance takeaway: If you're a young driver, Encompass car insurance rates are particularly competitive. Otherwise, its policy offering is fairly standard. Some unique features in its more expensive policies, such as enhanced blow forgiveness, stand out.

Homeowners insurance takeaway: Encompass homeowners insurance rates tend to exist on the expensive side, but given its customizability, you may be able to increase or decrease coverage to find a residue you're comfortable with. The property location limit, which consolidates all your coverage limits into i number, is its standout feature.

EncompassOne Policy: Bundled dwelling and auto insurance

Encompass does offering individual homeowners and auto insurance policies, but its competitive advantage lies in bundling those policies together as role of the EncompassOne packet. However, EncompassOne packages are non bachelor in Florida, Massachusetts, North Carolina or Texas.

It's free, unproblematic and secure.

The most notable feature of the arranged policy is its unmarried deductible. This means if a covered peril amercement both your habitation and and your auto, you will but pay the highest individual deductible in the event you lot make a claim.

For instance, say your current policy contains a $500 deductible for damage to your habitation and a $250 comprehensive deductible for impairment to your car. If a thunderstorm damages your firm and your automobile, yous will only pay the $500 deductible under a unmarried deductible policy.

Encompass auto insurance

Encompass offers typical auto insurance coverage, with the pick to upgrade your coverage extensively with its optional-add ons, ranging from accident forgiveness to roadside assistance. Its policies have competitive rates for younger drivers, so its motorcar insurance may be of particular involvement to recent high school or college graduates.

Encompass car insurance coverages

Beyond standard coverages, Embrace insurance policies can exist purchased as one of 3 packages with varying amounts of features added to your coverage: Special, Palatial and Elite, with Aristocracy packages providing the nigh comprehensive and expensive coverage. Outside the features included in the packages, you tin as well customize your policy with optional add together-ons, though some features, such equally unlimited accident forgiveness, are merely available in the Elite policy.

Feature

How it works

New car replacement If your machine is nether iv model years old and is totaled in a covered loss, Encompass will replace it with a current model year auto or a car of equivalent size and course. This is an optional add-on for all three packages.
Accident forgiveness This prevents increased premiums later your first at-fault blow and is merely available in Palatial or Elite packages. If you lot purchase an Aristocracy policy you lot can get enhanced accident forgiveness, meaning the improver will apply to multiple at-fault accidents.
Loan/lease gap coverage This coverage pays the difference between the current value of your car loan and what your motorcar is worth if it is totaled. If your car is worth less than your outstanding loan, Encompass will make up the difference so you lot won't owe anything to your creditor. This add together-on is optional for all 3 packages and requires y'all to take both comprehensive and standoff insurance coverage.
Roadside assist 24/7 roadside assist is available if your motorcar breaks down or has another mechanical issue. The add-on includes the Encompass Roadside App, which you can utilise to show Encompass your location and asking assist and is included in the Elite package or is an optional add-on for other packages.

Encompass auto insurance discounts

We were impressed with the range of discounts available from Encompass. Discount totals and availability volition vary depending on your location, only if yous're shopping for Encompass auto insurance, you should ask your agent about which of the post-obit discounts y'all can qualify for.

Discount

How to get information technology

Safe driving No covered driver on your policy has had an at-fault accident in the past yr.
Defensive driver You successfully complete a defensive driving class canonical by Encompass.
Hereafter effective appointment Get your policy issued a calendar week or more earlier it comes into effect.
Encompass Easy Pay You'll get a discount for making automatic bill payments through the Encompass Like shooting fish in a barrel Pay plan.
Good payer Included when you start your policy and continued if all your payments are on time for a year.
New Car You're the first owner of your vehicle.
Anti-lock brakes Your vehicle has a two or four wheel anti-lock braking system.
Anti-theft Your vehicle has theft protection features such as active locks or VIN etching.
Passive restraint system Your vehicle has factory-installed air bags or motorized automatic belt restraints.
Homeowner You own a home, condo, townhouse or mobile home.
Skillful educatee A covered student driver has a B boilerplate or better.
Driving training Covered drivers nether 21 years old have completed a driver training class and accept proven driving experience.

Bear witness All Rows

Encompass also offers standard car insurance coverages including:

  • Bodily injury and property liability coverage
  • Collision and comprehensive coverage
  • Medical payments and personal injury protection

Comprehend machine insurance quotes

Encompass auto insurance rates are particularly competitive for immature drivers, but more expensive than average for anybody else.

Among Texas for low-risk drivers, we plant that Encompass had the cheapest rates for younger drivers measured confronting three major insurers. Comprehend premiums were 36% lower than the closest competitor, Farmers Insurance, for males under 25 years former.

Conversely, Encompass was more than expensive than competitors for adults and senior citizens. Prices can vary by location, and when shopping, y'all should always measure out rates against other cheap motorcar insurance companies in your area.

Encompass Clean Quote

The discount for young drivers extends to higher-risk drivers, also. Encompass offers significantly discounted machine insurance rates compared to top national insurers. For example, considering the same sample young commuter with an at-fault blow on their record, Encompass's quotes were 29% cheaper than those of State Farm. For more mature drivers, Comprehend premiums tend to be more expensive — well-nigh in line with Farmers Insurance.

Encompass Accident Quote

Cover specialty coverage

Comprehend as well provides additional insurance options if yous take a specialty vehicle, like a motorcycle, recreational vehicle, or boat. If you're a boat or water vehicle owner, you may exist able to package your boat insurance into an EncompassOne policy with your dwelling house or auto insurance. Cheque with an Encompass agent for possible discounts.

Cover homeowners insurance review

While Comprehend homeowners insurance rates tin be expensive, its policy coverage options are considerable. Given its all-encompassing standard features and multifariousness of add-on benefits, owners of high-value homes are probable to be happy with the coverage options.

Comprehend Homeowners Insurance Features and Discounts

All Encompass homeowners insurance policies come with the standard features you lot'd expect from a HO-3 policy, but the insurer also offers three packages — Special, Deluxe and Aristocracy — that come with varying amounts of features to enhance your policy.

One of the unique features bachelor in both Deluxe and Aristocracy homeowners policies is the property location limit. This characteristic allows you to puddle coverage of all your property under a unmarried limit, set at 200% of the replacement value of your habitation. This gives you rare flexibility to fully cover damage, whether information technology affects the structure of your building, personal property or another construction on your home. It contrasts with standard homeowners insurance policies that generally accept different limits for different types of property.

For example, a standard policy might limit coverage of the construction of your home to its replacement value, say $500,000, and provide a divide limit of $350,000 covering contents of your home. This means if the contents of your home sustained $400,000 of damage, yous would be on the hook for the remaining $50,000 in damage. Nether the Encompass property location limit, all of your holding is covered under a combined limit upward to 200% of the replacement value of your habitation, in this instance $ane 1000000. This would easily cover $400,000 in damage to your personal property.

Along with the property location limit, we've highlighted some of the standout features of Encompass home insurance and whether they're included in different packages. With Encompass, fifty-fifty features common with other home insurers tend to have more generous coverage. For instance, its coverage of boosted living expenses for living outside your home has no specific dollar limit and will cover you lot for up to a year at a minimum.

Included in…

Feature What is it? Special Palatial Elite
Belongings location limit Coverage for all belongings up to 200% of your home's value No Aye Yes
Additional Living Expenses Coverage for expenses living outside your home if it'southward in an unlivable status Yes, upwards to 1 yr Yep, up to two years Yes, no specific time limit
Homeowners association extension (HOA) Coverage for your share of HOA special cess for a covered loss to common holding Yep, up to $one,000 Yes, up to $v,000 Aye, up to $50,000
Jewelry and fur Coverage for some of your virtually valuable items Yes, upwards to $1,500 Aye upwardly to $5,000 Yes, upwardly to $10,000
H2o backup Coverage of water damage from sewer or sump pump fill-in Optional Optional Yep
Identity fraud Covers $20,00 of expenses associated with identity fraud No No Yes

Although availability may vary depending on your location, Embrace as well provides some limited discount options:

  • Merits-free: If your residence has been claim gratuitous for five years it may be eligible for a xv% discount to your primary residence premium
  • Domicile historic period: If your residence is less than 20 years one-time
  • Renovation: If your residence has updated home systems such equally heating, cooling, plumbing or roof in the last 10 years
  • Protection devices: If your residence has burn alarms, infiltrator alarms or other safety devices
  • Homebuyer: If your residence is less than 49 years old and was purchased in the last five years yous may be eligible for a discount up to x% of your primary residence premium

Encompass homeowners insurance coverage

Regardless of whether you opt for a Special, Deluxe or Elite policy, at a minimum all packages include the standard policy features associated with a HO-iii policy.

Covered past Embrace homeowners insurance

Coverage details

Habitation coverage Covers rebuilding or repairing your abode's structure in the event of a covered peril included separate structures on your residence premises, attached or unattached to your domicile
Personal belongings Covers damage or theft of the contents of your home
Additional living expenses Covers your cost of living up to at least a year if a covered loss makes your home uninhabitable
Personal liability Covers the costs of legal liability due to you or other covered persons on your policy due to personal injury, bodily injury or property impairment
Medical expenses Covers medical expenses due to an injury on your property or an injury caused by a covered person in your policy

Cover homeowners insurance quotes

Embrace homeowners insurance rates are expensive compared to competitors. We sampled homeowners insurance quotes in California and its premiums were higher than those of Farmers Insurance, Liberty Common and State Farm across a range of policy limits.

Encompass Home Quote

Your specific homeowners insurance rate may differ greatly depending on your location, and you should measure your Cover rates against other rates in your surface area.

Encompass client reviews and financial strength ratings

Embrace customers can look frontwards to stellar client service for both car and homeowners insurance. Encompass has NAIC complaint ratios of 0.42 and 0.64 for auto insurance and homeowners insurance, respectively, against a national median of i.0. This means that Encompass receives fewer complaints than y'all'd expect given its size for both domicile and auto insurance.

Information technology also performed decently in J.D. Power'southward homeowners insurance survey, in which it received a rating of 3 out of 5 for overall customer satisfaction. Encompass was rated particularly well in feedback for its claims process, where it garnered total marks.

We did find Encompass's online experience to exist outdated.. You cannot go a quote or file an insurance merits online, significant these volition take to be handled on the phone or past post. If you lot're looking to make an Encompass insurance merits, yous tin can contact its claim representatives through its phone number at 1-800-588-7400.

Those concerned with the financial strength of their insurer will be in rubber hands with Embrace. Equally a subsidiary of Allstate, it's backed by i of the largest home and auto insurance companies in the nation. Encompass operates through a number of underwriters with its make name including Encompass Indemnity Visitor and Encompass Insurance Visitor of America. The largest of the Encompass underwriters measured past premiums written, Encompass Habitation and Car Insurance Visitor, receives a financial strength rating of "A+" by A.M. Best, its 2d highest rating.