UPDATED: Nov 30, 2018
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The original company destined to become Encompass was founded in 1897, and eventually came under the CNA Financial banner. As CNA Financial moved more towards commercial lines, they sold their personal lines insurance business to Allstate. The sale took place in 1999, and in 2000 the company emerged as Encompass, a new Allstate subsidiary, offering re-branded products for a variety of personal insurance needs.
Encompass’ company headquarters is located in Northbrook, Illinois, and their products are sold in 39 states by a network of more than 2,000 independent agents.
The company’s approach to personal insurance is anchored by the package policy, known as Encompass One. Put in place for many years prior to that name, Encompass One covers both auto and home with one premium and one deductible. They also offer several stand-alone policy options, although they rarely sell these on their own.
Encompass tends to aim its products at more affluent customers with multiple assets to protect, as reflected by their product lineup.
Encompass offers a variety of personal insurance products, with their flagship being the Encompass One combined auto and home policy. Encompass as a company aims to insure multiple lines rather than selling individual policies, this is reflected in the way their products are presented.
This package is available in three levels: Special, Deluxe, and Elite. Each of which has increased benefits and features.
- The Special Package – the entry level Encompass One policy – It includes replacement cost on the home, medical expenses coverage, no deductible glass repair, and a number of other features that come with the Encompass home and auto standard policies.
- The Deluxe Package – builds on the basics and adds up to 200% replacement value for the home, Accident Forgiveness, extended living expenses benefits, and higher policy limits.
- The Elite Package – the top package offering increased replacement cost coverage, Enhanced Accident Forgiveness, a Safe Driving Bonus, the highest coverage limits, and sewer and drain backup coverage for the home among other features.
Auto insurance from Encompass offers a host of options and features. Coverage includes all of the basics as well as options for Accident Forgiveness, extended package coverage for loss of use, and replacement cost coverage.
Auto insurance policies include waiver of deductible for glass-only repairs automatically, and roadside assistance is also available. The Safe Driving Bonus reduces your premium by 5% on renewal after 12 months with no tickets or accidents.
Encompass also writes insurance policies for a variety of other types of vehicles, including:
Encompass home insurance policies are available at various levels of coverage, and include structure coverage, personal property, and liability. Coverage is available for single-family detached homes, condos, and high-value home homes. Encompass also has multi-home options.
Renter’s Insurance is also available.
Home Business Insurance
For people who have a home office, Encompass offers supplemental coverage for liability, business property, business income loss, and extra expenses coverage. Called HomeWork, this product adds protection not found in a standard home insurance policy.
Encompass offers a few additional products, including Umbrella, Identity Theft, Lifestyle & Personal Liability coverage, Motorcycle coverage, and more.
Encompass does not offer online quoting, which makes it difficult to compare their rates. Quotes can only be obtained through a local agent.
Because Encompass pushes their bundled Encompass One package policies, rates may be difficult to compare as they are all in one premium when quoting both auto and home. Encompass is an entirely agent-driven company, which means that rates tend to be somewhat higher as a result of the agent commissions they generally include.
Because Encompass’ market tends to be the more affluent, there does not seem to be an attempt to be seen as an affordable insurance company, and rates will most likely reflect that.
Encompass promises a quick and smooth claims process that includes their TimeSaver referral service. This service is designed to get things repaired and replaced as quickly as possible. This includes repair shops, glass replacement, roadside assistance, rental cars, and emergency water mitigation.
Claims can be filed 24/7 by calling 1-800-588-7400. There is no option to file a claim online. There is a separate phone number available for catastrophic claims.
The Encompass website offers a lot of clearly presented information on the claims process and what to expect, even explaining the process of subrogation, something many insurance customers often do not understand.
Encompass promises that they aim to call back within an impressive two hours when a claim is called in during business hours, and by the end of the next business day at the latest. Customers can use recommended repair services or opt to use the service of their choice.
Although Encompass is not a BBB accredited company, the website gives the company an A+ rating. There are only 21 complaints recorded by the BBB against the company, seven of which were closed in the past 12 months. This is a really low number for a national insurance company.
Reviews online are mixed. Pissed Consumer registers 106 complaints, although a read-through of them indicate that some of them may be a result of common misconceptions and misunderstandings about policy limits and coverage. There are some complaints regarding rate increases, and several relating to the agent or broker rather than Encompass directly.
There are also several positive reviews to be found, which is a good sign in general since few people take the time to write a review when they are pleased with their service.
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Encompass might appeal to those who want the convenience of one policy to cover multiple different vehicles, and in some cases multiple homes. However, those looking to get the best price on car insurance are likely to find a less expensive option elsewhere, especially using a traditional style of bundling with auto/home discounts.
For a list of companies that we recommend, visit our Best Insurance Companies page.