Encompass Insurance Review & Complaints: Auto & Home Insurance (2024)

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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 policies and home policies.

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 wide range 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 a single 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.

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 or types of coverages. 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, which may, for some customers behind the steering wheel, provide an incentive for further driver training.

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.

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.

Encompass Claims Process

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

Encompass Insurance offers a streamlined claims process that caters to customer convenience. Claims can be filed 24/7, ensuring that customers can report incidents at their own convenience. Whether you prefer filing a claim online, over the phone, or through mobile apps, Encompass provides multiple avenues to make the process as easy as possible.

Average Claim Processing Time

One of the standout features of Encompass Insurance is its commitment to a speedy claims process. They promise quick and efficient handling of claims, with a particular focus on getting things repaired and replaced as swiftly as possible.

Encompass even offers a TimeSaver referral service to expedite the resolution process. This service includes arrangements for repair shops, glass replacement, roadside assistance, rental cars, and emergency water mitigation. Their goal is to minimize disruption and provide prompt assistance during stressful times.

Customer Feedback on Claim Resolutions and Payouts

Encompass Insurance has received positive feedback from customers regarding their claim resolutions and payouts. The company has an A+ rating from the Better Business Bureau (BBB), and customer complaints are relatively low, indicating a high level of satisfaction with claims handling.

While there are some complaints, they often revolve around misunderstandings about policy limits and coverage. Additionally, Encompass aims to call back within two hours during business hours and by the end of the next business day, demonstrating their commitment to efficient claim resolution.

Digital and Technological Features of Encompass

Mobile App Features and Functionality

Encompass Insurance offers a mobile app that provides customers with convenient access to their insurance information and services. The app is designed to be user-friendly and offers features like policy management, claims reporting, and even roadside assistance requests.

With the mobile app, customers can easily access important insurance-related tools and resources on the go.

Online Account Management Capabilities

For those who prefer managing their insurance policies and accounts online, Encompass provides robust online account management capabilities. Through their website, customers can log in to their accounts, view policy details, make payments, and update information.

This online portal makes it convenient for customers to stay on top of their insurance needs without the need for phone calls or visits to a physical location.

Digital Tools and Resources

Encompass Insurance also offers various digital tools and resources to assist customers in making informed insurance decisions. Their website is a valuable source of information, with resources on different types of coverage and insurance-related topics.

Whether you’re looking for educational content or tools to help you choose the right coverage, Encompass provides digital resources to support your insurance needs.

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 customer 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.

Customer 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.

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.

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.