Encompass Insurance Review & Complaints: Auto & Home Insurance

Our Encompass Insurance review will take you through what you need to know about Encompass Insurance services and complaints. Encompass Insurance is tailored for a specific market focusing on personal insurance, with their flagship product being the Encompass One combined auto and home policy. Encompass Insurance Company ratings are stellar, with A+ across the board. The positive ratings come from the speedy Encompass Insurance claims process. Learn more.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Apr 29, 2021

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Encompass Insurance

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Encompass Insurance reviews are not as popular as bigger insurance companies like Safeco Insurance reviews or Travelers Insurance reviews. Our review contains more than Encompass Insurance complaints. This Encompass auto insurance review will go into more detail about insurance services at Encompass.

Through an interesting history, Encompass Insurance has emerged as an insurance provider with unique options, tailored for a specific market. With their primary focus on personal insurance, the Encompass One policy is one to look at for those seeking to bundle auto and home.

Find car insurance companies outside of the scope of Encompass Insurance by entering your ZIP code in the FREE comparison tool.

What is Encompass Insurance?

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 lines insurance business to the  Allstate Insurance Company. 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’s company headquarters is located in Northbrook, Illinois, and its products are sold in 39 states by a network of more than 2,000 independent agents.

Watch this Encompass video to see how the company has helped a customer.

The company’s approach to personal insurance is anchored by the package policy, known as Encompass One. Put in place for many years before 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.

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What Insurance Products are Offered by the Company?

Encompass offers various personal policy products, with their flagship being the Encompass One combined auto and homeowners insurance  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.

To ensure you get the best Encompass insurance service, speak with Encompass insurance consultants to find the best deals for car insurance and home insurance.

What is Encompass One?

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 includes replacement cost on the home, medical expenses coverage, no deductible glass repair, and several 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.

Are Encompass Car Insurance Reviews Positive?

Encompass auto insurance coverage offers a host of options and features. Coverage includes all of the basics and options for Accident Forgiveness, extended package coverage for loss of use, and replacement cost coverage.

Auto insurance policies include a 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.

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Does the Company Insure Other Vehicles?

Encompass also writes insurance policies for a variety of different types of vehicles, including:

  • Motorcycles
  • RVs
  • Snowmobiles
  • Boats

Are Encompass Home Service Reviews Positive?

Encompass homeowner’s 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. Let’s not forget about Encompass flood insurance, which is important in areas that encounter flash flooding more frequently than other states in the United States.

Is Home Business Insurance Offered?

For people who have a home office, Encompass offers supplemental coverage for liability, business property, business income loss, and extra expenses coverage. Called HomeWork is a product that adds protection not found in a standard home insurance policy.

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What Additional Products are Offered?

Encompass offers a few additional products, including Umbrella, Identity Theft, Lifestyle & Personal Liability coverage, Motorcycle coverage, etc.

Are the Prices and Premiums Competitive?

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 due to the agent commissions they generally include.

Because Encompass’s market tends to be the more affluent, there does not seem to be an attempt to be seen as an affordable insurance company, and Encompass Insurance quotes will most likely reflect that.

How are Claims Handled?

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 Encompass insurance phone number 1(800)588-7400. There is no Encompass Insurance login 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. Customers can use recommended repair services or opt to use the service of their choice.

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Is Consumer Feedback About the Company Positive?

Encompass Insurance reviews from the Better Business Bureau (BBB) accredited company. The website gives the company an A+ rating. There are only 21 Encompass Insurance complaints recorded by the BBB against the company, seven of which were closed in 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 indicates that some 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.

Are the Company’s Ratings Positive?

Let’s look at Encompass Insurance Company ratings from popular financial strength and credit rating agencies.

Rating Company Grade Financial Outlook
A.M. Best A+ Stable
Fitch A+ Stable
S&P N/A N/A

What does the “A+” rating stand for? According to Atlas Magazine, the A.M. Best “A+” ratings mean the company has a stable financial outlook and has a superior ability to meet obligations to its customers.

How is Encompass Insurance vs. State Farm Insurance?

Encompass Insurance has a connection to Allstate insurance. However, both companies are following behind State Farm—an insurance company with a higher market share. State Farm is also rated by most major financial strength and credit rating agencies.

On average, State Farm auto insurance rates are much cheaper than Encompass’ parent company, Allstate. Is it better? That’s up to the consumer.

Use our FREE comparison tool to find auto insurance companies in your area and compare rates and services you need.

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What’s the Bottom Line?

Buying Encompass Insurance 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 insurance discounts.

If you’re finished with the Encompass Insurance review, enter your ZIP code below to compare insurance companies in your local area.

Frequently Asked Questions: Encompass Insurance Review

Let’s recap what you learned in this Encompass Insurance review and add to what you just learned. We found a few frequently asked questions about Encompass Insurance and answered them in this short section.

#1.  Who is Encompass Insurance owned by?

The Allstate Corporation owns Encompass Insurance.

#2.  Where is Encompass Insurance headquarters?

The Encompass Insurance headquarters is in Northbrook, IL.

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#3.  What is the most reliable car insurance company?

According to J.D. Power, the most reliable car insurance company overall is Amica Mutual.

#4.  What are the worst insurance companies?

According to Consumer Reports, the worst-rated insurance companies are Esurance, Liberty Mutal, and Nationwide.

#5.  What is the best insurance company?

Here’s a list of the top six insurance companies in the United States:

  • Amica Mutual – Best overall in auto insurance
  • Geico – Best insurance for tech-savvy consumers
  • The Hartford – Best policy options
  • Progressive – Best discounts
  • State Farm – Best customer support
  • USAA – Best insurance for members of the military

References:

  1. https://www.bbb.org/chicago/business-reviews/insurance-services/encompass-insurance-company-in-northbrook-il-88321607
  2. https://www.atlas-mag.net/en/article/am-best-rating-scale

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