Encompass Insurance Company Review 2025
Written by
Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.
Reviewed by
Cara Carlone is a licensed P&C agent with 20 years of experience. She has her P&C license in RI and TX and holds CPCU, API, and AINS designations.
Our Encompass Insurance Company Score
2.5 Stars
We award Encompass Insurance a final rating of 2.5 out of 5 stars. With well over a century of experience in the industry, the insurance company’s history is certainly noteworthy and respectable, as are its high ratings through both AM Best and the Better Business Bureau (BBB). However, the carrier is not BBB-accredited and has had just under 2,000 customer complaints filed against it in the past three years, which is certainly a cause for concern.
Encompass Insurance was founded in 1897, though the insurance company’s name didn’t change to Encompass until 1999. Today, the carrier has been named one of the U.S.’s largest casualty and personal property insurance brands to be sold exclusively through a network of independent insurance agents.
Encompass is a subsidiary of Allstate Insurance Company, which is widely regarded as one of the top auto insurance companies in the country. The carrier has grown exponentially, now offering coverage through a large network of more than 2,600 independent insurance agents nationwide. Coverage is not available in all states.
Due to the high volume of customer complaints, we're hesitant to recommend looking into Encompass Insurance, even if you're located in an area where coverage is available. Instead, we suggest working together with an independent insurance agent to survey several options for your next trusted carrier.
Encompass Insurance Pros and Cons:
| Pros: | Cons: | ||||
|---|---|---|---|---|---|
|
|
||||
|
|
||||
|
|
||||
|
|
||||
|
|
To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.
Encompass Insurance Products by Type
Encompass provides a range of insurance products for both individuals and businesses. The carrier's coverage offerings include:
Home & Property Insurance:
- Homeowners insurance
- Renters insurance
- Personal umbrella insurance
- Home business insurance
- Identity theft insurance
Vehicle & Auto Insurance:
Encompass Auto Insurance
Encompass offers several additional types of car insurance to complete your basic auto policy. The carrier's coverage enhancement options include the following.
Coverage types, features, and benefits:
New car replacement
Encompass offers new car replacement coverage, which can pay to replace your vehicle with a new car of similar size and class or the same vehicle from the current model year if your vehicle is totaled due to a covered incident.
Loan/lease gap
Encompass offers loan/lease gap insurance, which can reimburse you for the difference between the amount still owed on your vehicle's loan or lease and the current value of the car if it's totaled due to a covered cause.
Roadside assistance
Encompass also offers 24/7 roadside assistance services, which can reimburse you for professional help if you experience a dead battery, a flat tire, or a breakdown while out on the road.
Encompass Car Insurance Average Prices
Here's an overview of the average annual cost of car insurance from Encompass.
| Full Coverage Annual Premium | Minimum Coverage Annual Premium |
|---|---|
| $3,052 | $1,136 |
Encompass Homeowners Insurance
Encompass also offers several additional types of homeowners insurance to complete your basic home policy. The carrier's coverage enhancement options include the following.
Coverage types, features, and benefits:
Enhanced replacement cost
Encompass offers optional enhancement replacement cost coverage, which can reimburse the policyholder if the cost to rebuild their home due to a covered loss is more than its original insured amount.
Increased building cost
Encompass offers optional protection in case the policyholder's home must be rebuilt after a covered loss and the cost of reconstruction is more expensive due to updates in building ordinance codes.
Computer and data recovery
Encompass offers optional coverage for your personal computers and similar devices, such as laptops, tablets, and more, as well as data recovery.
Mortgage rate protection
Encompass also offers optional mortgage rate protection, which can cover increased closing expenses, mortgage acquisition fees, and more. Up to $20,000 in coverage is available.
Encompass Home Insurance Average Prices
Here's an overview of the average annual cost of homeowners insurance from Encompass.
| Home Policy with $300k in Dwelling Coverage Average Premium |
|---|
| $2,449 |
Home Policy with $300k in Dwelling Coverage Average Premium
$2,449
What Discounts Does Encompass Offer?
Encompass offers several competitive discounts for its customers, especially on auto insurance. The carrier's discounts include:
Auto Insurance Discounts:
- Safe Driving Bonus: Awarded to auto insurance customers who have not accumulated any chargeable accidents over the last 12 months under any driver listed on their policy
- Passive Restraint System Discount: Awarded to customers who insure vehicles with factory-installed airbags or motorized automatic belt restraint systems.
- Anti-Theft Device Discount: Awarded to customers who purchase comprehensive coverage and have installed various anti-theft devices in their vehicles.
- Anti-Lock Brake Discount: Awarded to customers with vehicles or motorhomes that are equipped with factory-installed anti-lock braking systems (ABS).
- New Car Discount: Awarded to customers who insure vehicles that were purchased brand new.
Encompass also offers auto insurance discounts for using autopay, being a homeowner, paying all of your premiums, being a resident student, and completing various driving courses. Your independent insurance agent can help you find even more information on discounts offered by Encompass and other ways to save money through the insurance company.
Encompass Customer Service
Encompass provides the following customer service options and availability.
- Phone
- Online contact form
- Online bill pay
- Snail mail
- The customer service phone department does not specify its contact hours
| Days | Hours | ||
| NOT SPECIFIED | NOT SPECIFIED |
Encompass sells insurance exclusively through a wide network of independent insurance agents. Independent insurance agents can help make customer service easier for you by handling claims and other concerns.
Find The Right Company Today.
Shopping for a company? We have the right one for you.
Encompass Insurance FAQs
Encompass does not provide a specific claims response time frame promise.
Encompass allows customers to get in touch via phone, email, snail mail, or online. The carrier's website does not specify its phone department hours. The insurance company also has a social media presence on Facebook, YouTube, and LinkedIn, which makes it a bit more accessible to customers.
Encompass breaks down its claims process into a few simple steps:
- The customer calls Encompass and is assigned a claim number.
- A claims team member follows up with the customer to get more information and answer questions.
- A claims adjuster evaluates the damage and prepares an estimate for the customer.
- A claims team member provides the customer with the damage estimate and settlement.
- The claim is resolved, and the customer receives payment.
Customers can stay updated on their claim’s progress by keeping in touch with their independent insurance agent.
Encompass’s official website is well done. Important information can be located easily for prospective and current customers, and what's provided on the website is detailed and thorough. Details about discounts and the carrier’s official claims process, for example, are prominently displayed on the website, which is a courtesy not provided by all insurance companies.
The one aspect lacking from Encompass’s website is an option for online claims reporting. So, Encompass falls a bit behind other modern carriers in terms of user-friendliness.
While Encompass offers many types of coverages, it’s most well-known for its auto insurance. The insurance company provides the following additional coverage options under its auto policies:
- New car replacement: If a customer’s car (which is less than four years old) is totaled due to a covered loss, Encompass will replace the vehicle with that model in the current year, or a comparable new car if that model is no longer available. The customer is only responsible for paying their deductible.
- Accident forgiveness: Following an accident, Encompass offers protection against rising premium rates. An optional upgrade to their Elite auto coverage provides protection for multiple at-fault accidents.
- Loan/lease gap coverage: Covers the difference between the current value of a vehicle and the remaining amount on its loan/lease.
- Roadside assistance: Available for customers 24/7 for services such as flat tire repair, dead battery replacements, and more.
Your independent insurance agent can help you find out more about Encompass’s auto insurance policies, as well as the carrier's other products.
Encompass has high ratings by both AM Best and the BBB. However, the carrier is not BBB-accredited and has had nearly 2,000 customer complaints filed against it in recent years. Due to this, we're hesitant to call Encompass a good insurance company at this time.
Encompass' insurance products may be right for customers seeking home, renters, car, or other types of personal insurance. Coverage is not available in all states, so you'll need to check your area's eligibility.
https://www.encompassinsurance.com/
https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=11794
https://www.bbb.org/us/il/northbrook/profile/insurance-services-office/encompass-insurance-company-0654-88321607
https://www.bankrate.com/insurance/reviews/encompass/