Encompass Insurance Review 2023
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Last Updated: July 5, 2023
We take a close look at the Encompass insurance reviews, the products they offer and their customer service. We also consider the pros and cons as well as customer reviews. By the end of your reading, you’ll have a good idea of whether or not encompass insurance is the right fit for you!
Encompass at a Glance
- No of reviews: Clearsurance(136), BBB (1,517), Yelp (3), Google (23), Total (1,679)
- No of ratings: Clearsurance(3.5) BBB (3.5), Yelp (1), Google (2.4), Avg Rating (2.6)
- Address: Northbrook, Illinois, United States
- Phone: (800) 262-9262 (Toll-Free)
Encompass Insurance Reviews: Overview
Encompass Insurance is a great choice if you’re looking for multiple features and optional coverage add-ons that enhance your insurance policies. They also emphasize combining car and home insurance through their EncompassOne package and offer unique incentives, such as a single deductible for all claims. This is an excellent option for those looking to bundle their home and auto insurance.
Encompass has a good reputation for customer service. However, client experience may appear outdated compared to other insurers, because it doesn’t allow you to receive quotes or manage your claims online. And the company’s mobile app only provides roadside assistance.
Encompass premiums are on the pricier side, but you can customize coverages to fit your budget.
Founded over 125 years ago, Encompass Insurance is one of the country’s oldest and most well-known insurance companies. The company was acquired by Allstate to become a provider that offers great service at affordable prices with the utmost integrity.
Encompass Insurance is a nationally available insurance provider, with agents across the country (with the exception of a few states). A leading auto and home insurance provider, Encompass is backed by a number of independent rating organizations based on profitability, capital liquidity, corporate management, and investment risk.
Encompass Insurance – Pros and Cons
- Provides new automobile replacement, accident forgiveness, roadside assistance, and gap insurance coverage.
- Has a good reputation for dealing with customer complaints.
- Accident forgiveness is available indefinitely (through the Elite package).
- Ideal for customers who want to bundle their insurance policy.
- Great for younger drivers looking for affordable car insurance.
- Does not provide rental automobile coverage or better car replacement.
- Does not have discounts for multiple cars, paying in full, or going paperless.
- Not available in all states.
- There are no online quotations available.
- Only roadside help is available through mobile apps.
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Encompass Insurance Products
Encompass EncompassOne Package
Encompass Insurance offers an EncompassOne Insurance Package that provides comprehensive coverage with three tiers of – protection—Elite, Deluxe, and Special. Each of the three signature policies provides protection for your home, car, and valuables. EncompassOne offers a straightforward insurance approach that is adaptable to your needs, with only one premium and deductible. EncompassOne is an excellent choice for people who prefer to bundle their insurance.
Encompass Auto Insurance
Encompass Insurance offers moderate prices on premiums and coverage options. While the EncompassOne® Policy covers your car, home, and other belongings, Encompass also provides standalone car insurance in three levels of coverage: Special, Deluxe, and Elite. Their auto insurance coverage consists of liability, comprehensive, and collision coverage.
Encompass Insurance’s auto coverage includes a number of standard and add-on coverage benefits, including:
- New Car Replacement
- Accident Forgiveness
- Loan/Lease Gap Coverage
- Roadside Assistance
- Auto Insurance for Teens
Encompass Homeowners Insurance
With Encompass Homeowners Insurance, you can expect to have all of your bases covered. Apart from the EncompassOne policy, you can also choose from one-of-three—Elite, Deluxe, and Special—types of coverage to enhance your homeowner’s policy.
The home insurance coverage includes protection for homeowners, as well as condo and rental coverage. While their home insurance costs can be high, the various options they offer make it worth looking into.
Here’s a look at what Encompass homeowners’ policies offer.
|Encompass Homeowner’s||Encompass Condo Insurance||Encompass Renters Insurance|
|200% property location limit||Property location limit||Personal injury protection|
|Enhanced replacement cost coverage||Mortgage rate protection||Computer and data recovery coverage|
|Water backup protection||Mortgage rate protection||Jewelry and fur coverage|
|Covered losses for structure and contents||Personal injury protection||Water backup protection|
|Increased building costs||Computer and data recovery coverage|
|Mortgage rate protection||Jewelry and fur coverage|
|Personal injury protection||Water backup protection|
|Computer and data recovery coverage|
|Jewelry and fur replacement cost coverage|
Encompass Insurance Cost
While some of Encompass Insurance’s policies are pricey, the company has a wide range of policy alternatives and can offer competitive possibilities to bundle insurance plans.
Encompass does not offer an online quote generator. So, interested drivers and homeowners need to contact one of the company’s independent agents directly to get a quote. Encompass does offer a variety of discounts to help you save on car insurance, ranging from a safe-driving bonus to a new car discount, as well as a resident student discount. Similarly, if you have a home security system or a home that is less than 49 years old, you may be eligible for home insurance discounts.
As a result, you may be able to save money on premiums by bundling your home and vehicle policies and taking advantage of a variety of additional valuable benefits.
Encompass Home Insurance Review
While the company offers several homeowners insurance discounts compared to some competitors, it’s important to note that their base premiums are generally higher than average. This could be a consideration for homeowners seeking more affordable coverage options.
Encompass offers the Encompass One policy for homeowners’ insurance, which is available in three tiers: Special, Deluxe, and Elite. Each tier has unique policy features, discounts, and policy limits. For example, the Deluxe and Elite tiers include 200% extended dwelling coverage, providing additional protection for homeowners.
One notable aspect mentioned in Encompass home insurance reviews is the lack of online claims filing, which some homeowners may find inconvenient. However, the company aims to provide a seamless claims experience with their responsive customer service representatives.
Encompass Insurance Reviews and Ratings
Customer Reviews – Samples
So far, I have not had a negative encounter with this company. We filed a claim a few months ago, and everything proceeded smoothly and quickly.
Encompass has always offered exceptional customer service and rapidly resolves claims. The cost is little, but the benefit is substantial. They make everything simple for customers. Everything I need to know about my coverage is simply accessible online. I can even easily register a claim.
Encompass has performed admirably thus far. When I was in a car accident, they were really easy to work with and made the process quite smooth. They did not increase my rate after my accident either.
Encompass is dependable, accurate, and offers a variety of home insurance discounts, but the deductibles and premiums are still high.
I had several difficulties setting up my online payment account. A guy led me through the procedure, which turned out to be much simpler than I had anticipated.
While they handled disputes in a professional and timely manner, they were slow to dispatch an agent during strong storms.Source: Google Reviews, Yelp, Google Play Store
Encompass Insurance Customer Service
Encompass Insurance is committed to providing excellent customer service to its policyholders. They offer various channels through which customers can contact them for assistance, inquiries, or to file claims. Here’s an overview of the insurance customer service provided by Encompass and how to reach them:
Online Contact Form: You can visit Encompass Insurance’s website and fill out their online contact form. Simply provide your details, including your name, contact information, and the nature of your inquiry or concern. Encompass aims to respond to these inquiries within 1-2 business days.
MyEncompass Account: If you are an Encompass policyholder, you can log into your MyEncompass account online. This platform allows you to access your policy information, make payments, and also provide a means to communicate with Encompass customer service representatives.
Encompass Independent Agents: Encompass has a network of independent insurance agents who can assist you with your specific policy questions and concerns. Your Encompass Independent Agent is your dedicated point of contact for personalized solutions that fit your coverage needs throughout different stages of your life. If you are not an Encompass policyholder, you can locate an independent agent through Encompass Insurance’s agency locator.
Payments: If you need to make a payment, Encompass offers different options. You can mail your payment using the address provided on their website. Alternatively, you can log into your MyEncompass account to make payments online or set up automatic credit card payments.
It’s important to note that the contact options and availability may vary, so it’s recommended to refer to your policy documents for the most up-to-date and accurate contact information.
|A.M. Best||A+ Superior||A financially sound company that can guarantee and secure your insurance.|
|Fitch||A+||A company with a very low danger of default and a high level of ability to meet financial obligations.|
How to File a Claim with Encompass
To file a claim with Encompass Insurance, follow these steps:
Step 1: Call Encompass Insurance at 1-800-588-7400 to report your loss. You need to have necessary details ready, such as the date and description of the incident, as well as any relevant documentation.
Step 2: Initial follow-up after reporting your loss, a claims team member will reach out to you to address any questions you may have and determine the best approach for handling your claim.
Step 3: Damage evaluation and adjuster from Encompass will assess the extent of the loss and prepare an estimate for the repairs or replacements required. This may involve visiting the location where the incident occurred to assess the damage firsthand.
Step 4: Discussion and settlement once the adjuster has completed the evaluation, a claims team member will discuss the damage estimate and settlement with you. They will review your policy provisions, terms, and coverage to determine the appropriate compensation or benefits you are entitled to based on your specific policy.
Step 5: Documentation and payment upon reaching an agreement on the damage estimate and settlement. Encompass Insurance will provide you with the necessary documents to process your claim. This may include claim settlement forms, releases, or other required paperwork. They will also arrange for the payment of the settlement amount as applicable. During this stage, any additional questions or concerns you have will be addressed by the claims team
Encompass Insurance offers affordable and quality insurance packages for cars, homes as well as personal belongings. They also have standalone coverage, which is perfect if you need separate amounts of protection for each type they offer. Overall, we’d recommend choosing Encompass if you want to bundle your policies.
Frequently Asked Question
Is encompass the same as Allstate?
Encompass is a subsidiary of Allstate. Encompass was founded in 1897 and later acquired by Allstate Insurance.
Is Encompass a good company?
Encompass has a good reputation, with high ratings from A.M. Best and the Better Business Bureau. And the number of consumer complaints against the insurance firm is low.
In which states is Encompass Insurance accessible?
Except for Alaska, Florida, Hawaii, Massachusetts, Mississippi, Montana, North Carolina, North Dakota, South Dakota, and Wyoming, Encompass Insurance is accessible in practically every state.
Is Encompass insurance going out of business?
As there is no public indication of Encompass going out of business, Encompass has been serving its products and services in most of the states through exclusive independent agents. Also, it is the subsidiary of Allstate insurance, so there is very minimal chance of being out of business.
Agency Height is an online directory and publication platform. We’re dedicated to helping people find the right insurance by bridging the gap between agents and insureds. Our publications are the go-to guide for all things insurance. From blogs and articles that help professionals grow their business to data analysis on trends in our industry, you will surely find what you’re looking for!
- Encompass at a Glance
- Encompass Insurance Reviews: Overview
- Encompass Insurance – Pros and Cons
- Encompass Insurance Products
- Encompass Insurance Cost
- Encompass Home Insurance Review
- Encompass Insurance Reviews and Ratings
- Customer Reviews – Samples
- Encompass Insurance Customer Service
- Third-Party Reviews
- How to File a Claim with Encompass
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