--- title: "Encompass Insurance Review [Updated 2026]" description: "Encompass Insurance, a subsidiary of Allstate, offers a wide range of insurance policies, including auto, home, and liability, through independent agents." canonical: "https://www.coveragecat.com/reviews/encompass-auto-home-insurance-review" last-updated: "2026-07-15" --- # Encompass Insurance Review [Updated 2026] 1. [Introduction to Encompass Insurance](#introduction) 2. [What Kinds of Insurance Does Encompass Offer?](#kindsofinsurance) 3. [How Does Encompass Insurance Work?](#howdoesitwork) 4. [Pros and Cons of Encompass Insurance](#proscons) 5. [Encompass Insurance Ratings at a Glance](#ratingstable) 6. [Get Customer Support Or File A Claim For Encompass Insurance](#customersupport) 7. [Frequently Asked Questions](#faq) ## Introduction to Encompass Insurance Encompass is a subsidiary of Allstate Insurance Group, headquartered in Northbrook, Illinois, which focuses on car and homeowners insurance. [The original company that would evolve into Encompass was founded in 1897](https://www.encompassinsurance.com/about-us). Allstate purchased CNA Financial's personal lines business in 1999 and introduced the Encompass name around 2000. By October 2005, Allstate had assumed the business outright after operating it under a reinsurance contract since 1999 [(Massachusetts Division of Insurance, "Encompass Insurance Company of Massachusetts – Market Conduct Examination Report", 2019)](https://www.mass.gov/doc/encompass-insurance-company/download). Today, Encompass distributes policies through a network of more than 2,400 independent agents [(Encompass, "About Encompass", 2026)](https://www.encompassinsurance.com/about-us) and ranks 87th among 398 active property and casualty insurance competitors according to Tracxn [(Tracxn, "Encompass Insurance - 2026 Company Profile & Competitors", 2026)](https://tracxn.com/d/companies/encompassinsurance/__IOdvkQooE7aUtvD6Y2othBpryFam_N7pYpd7aYulvYw). The company had 640 employees as of July 2024 [Ibid.](https://tracxn.com/d/companies/encompassinsurance/__IOdvkQooE7aUtvD6Y2othBpryFam_N7pYpd7aYulvYw). Encompass currently writes policies in approximately 40 states. Its products are not available in Alaska, Florida, Hawaii, Massachusetts, Mississippi, Montana, North Carolina, North Dakota, South Dakota, or Wyoming [(U.S. News, "Encompass Car Insurance Review for 2026", 2025)](https://www.usnews.com/insurance/auto/encompass-car-insurance-review). The company exited Massachusetts in July 2017 as part of a profit improvement initiative [(Massachusetts Division of Insurance, "Encompass Insurance Company of Massachusetts – Market Conduct Examination Report", 2019)](https://www.mass.gov/doc/encompass-insurance-company/download), and it stopped writing new policies in Indiana as of January 2024 due to changes in market conditions and business strategy [(Algate Advisors, "Encompass Insurance Closes Shop in Indiana", 2024)](https://www.algateadvisors.com/encompass-insurance-closes-shop-in-indiana/). Policyholders in states where Encompass no longer writes business may need to find alternative carriers, sometimes at higher rates. ## What Kinds of Insurance Does Encompass Offer? Encompass offers a large suite of policies, including [homeowners](https://www.encompassinsurance.com/insurance-products/home-insurance/homeowners-insurance), renters, [auto](https://www.encompassinsurance.com/insurance-products/auto-insurance), [personal umbrella, home business, recreational vehicle, motorcycle, watercraft and more](https://www.encompassinsurance.com/insurance-products/auto-insurance). The full product lineup also includes collectible auto and identity fraud coverage [(Encompass, "Additional Insurance Products", 2026)](https://www.encompassinsurance.com/insurance-products/additional-products). Encompass does not sell directly to consumers; coverage is purchased through independent agents only. They also sell a comprehensive policy that covers home, auto, and possessions together, called the [EncompassOne](https://www.encompassinsurance.com/insurance-products/the-encompassone-policy) policy. The EncompassOne bundles these lines into one premium and one deductible [(Encompass, "The EncompassOne Elite Policy", 2026)](https://www.encompassinsurance.com/insurance-products/the-encompassone-policy/elite), so households that carry both home and auto coverage pay a single bill and only the highest deductible applies when one event damages both. ### Does Encompass Sell Auto Insurance? Yes, Encompass sells auto insurance. Encompass auto policies offer all standard coverages, including bodily injury and property damage, personal injury protection, comprehensive, collision, uninsured/underinsured motorist, and medpay (not all coverages are available in all states or for all drivers/vehicles). Encompass auto customers can also purchase additional coverages such as New Car Replacement (for vehicles under four model years old where the policyholder is the original owner), Accident Forgiveness, Loan/Lease Gap Coverage, and 24/7 Roadside Assistance via phone and a dedicated app [(U.S. News & World Report, "Encompass Car Insurance Review for 2026", 2026)](https://www.usnews.com/insurance/auto/encompass-car-insurance-review). Encompass also offers a longer list of auto discounts than many competitors, including separate discounts for anti-lock brakes and passive restraints that many insurers group into a single "safety features" category [(U.S. News, "Encompass Car Insurance Review for 2026", 2025)](https://www.usnews.com/insurance/auto/encompass-car-insurance-review). Other available discounts include a Safe Driving Bonus (up to 5%), future effective date, Encompass Easy Pay automatic payments, good student, defensive driver, anti-theft device, and resident student [(Encompass, "Auto Insurance", 2026)](https://www.encompassinsurance.com/insurance-products/auto-insurance). Rates vary by state and driver profile, so it's worth comparing quotes through an agent before committing. ### Does Encompass Sell Homeowners Insurance? Yes, Encompass sells homeowners insurance. They offer three tiers: [Elite](https://www.encompassinsurance.com/insurance-products/the-encompassone-policy/elite), [Deluxe](https://www.encompassinsurance.com/insurance-products/the-encompassone-policy/deluxe), and [Special](https://www.encompassinsurance.com/insurance-products/the-encompassone-policy/special). All three tiers include standard coverages — dwelling and other structures, additional living expenses, medical expenses, and personal liability — but each tier adds more features and higher limits. 1. Special: Offers homeowners and auto in a single package, with no dollar limit on additional living expenses for up to one year, and additional protection against theft of jewelry and fur, and burglary or theft recovery. 2. Deluxe: Offers higher-limit homeowners and auto in a single package with one deductible and premium. Customers can purchase higher special coverage for items such as jewelry and fur, as well as up to 200% of a property's estimated value including structures and contents, plus "walk-away" coverage which pays the estimated value of a loss instead of requiring reconstruction. 3. Elite: Encompass' highest-level coverage, which offers all the benefits of a Deluxe policy with even higher limits, including: up to $10,000 in jewelry and fur coverage, no time or dollar limit for additional living expenses, up to $20,000 in mortgage rate protection, up to $50,000 in HOA assessment fee coverage, up to $20,000 in identity fraud expense coverage, and no-deductible lock replacement [(Encompass Insurance, "The EncompassOne Elite Policy", 2026)](https://www.encompassinsurance.com/insurance-products/the-encompassone-policy/elite). Encompass also offers discounts for bundling insurance policies, newer or renovated homes, burglar alarm systems, fire extinguishers, and claim-free history. According to Encompass, policyholders whose primary residence has been claim-free for the past five years may qualify for a discount [(Encompass, "Home Insurance", 2026)](https://www.encompassinsurance.com/insurance-products/home-insurance/main.aspx). ### **Does Encompass Sell Liability Insurance?** Yes, Encompass sells liability insurance, also called umbrella insurance, to consumers. Their policies cover situations such as a person getting injured on your property, damage you cause to someone else's property, or accusations of slander and libel against you. ### How Does Encompass Work? Encompass sells insurance through its network of independent agents around the country. You can locate an agent near you through the locator tool on the Encompass website. Because Encompass distributes exclusively through agents, you cannot get a quote online or directly from the company — every policy starts with a conversation with a local agent. For example, Hart Insurance Group in Houston describes how agents provide personalized guidance to help consumers select the right Encompass tier for their home [(Hart Insurance Group, "How Encompass Home Insurance Protects Your Home: Homeowners Insurance Explained", 2026)](https://www.insurewithhart.com/blog/2026/01/how-encompass-home-insurance-protects-your-home-homeowners-insurance-explained). ## Pros and Cons of Encompass

Pros

Cons

## Encompass Insurance Ratings at a Glance The table below summarizes how Encompass performs across major rating platforms and what each Encompass insurance rating reflects. | Rating Source | Score | Notes | |---|---|---| | AM Best Financial Strength | A+ (Superior) | Confirms ability to pay claims; rating published August 2023 | | Clearsurance (overall) | 3.44 / 5 | Based on 160 reviews; 56% rate it Excellent | | Clearsurance (home insurance) | 3.50 / 5 | Positive reviews cite efficient claims and good rates | | Clearsurance (renters insurance) | 4.30 / 5 | Highest-rated line on the platform | | Clearsurance (auto insurance) | 3.39 / 5 | Consistent with overall rating | | PissedConsumer | 1.4 / 5 | 76 reviews; only 17% would recommend | | BBB Status | Not Accredited | File open since October 2008; not rated | | Trustpilot | 1 review only | Too few reviews for meaningful analysis | | J.D. Power | Not rated | Company is too small for J.D. Power scoring | The ratings picture for Encompass insurance reviews splits clearly in two. Its A+ AM Best rating signals financial strength and a low risk of insolvency. Customer-facing platforms tell a different story, with Encompass insurance complaints centered on claims handling rather than product design. J.D. Power does not rate Encompass for customer satisfaction [(Encompass Insurance, "Financial Ratings", 2026)](https://www.encompassinsurance.com/about-us/financial-ratings), and independent review volume remains low, which makes the NAIC complaint index one of the few available gauges of policyholder experience. --- The table below compares Encompass' three homeowners tiers across key coverage features. | Feature | Special | Deluxe | Elite | |---|---|---|---| | Dwelling and other structures | Yes | Yes | Yes | | Additional living expenses | Up to 1 year, no dollar limit | Higher limits | No time or dollar limit | | Personal liability | Yes | Yes | Yes | | Jewelry and fur coverage | Basic theft protection | Higher special limits | Up to $10,000 | | Property value limit | Standard | Up to 200% of estimated value | Up to 200% of estimated value | | Walk-away coverage | No | Yes | Yes | | Mortgage rate protection | No | No | Up to $20,000 | | HOA assessment coverage | No | No | Up to $50,000 | | Identity fraud coverage | No | No | Up to $20,000 | | Lock replacement deductible | Standard | Standard | None | | Single deductible (home + auto) | Yes | Yes | Yes | --- The table below summarizes key auto insurance discounts available through Encompass. | Discount | Details | |---|---| | Safe Driving Bonus | Up to 5% off premium | | Future Effective Date | Discount for policies set to start at a future date | | Encompass Easy Pay | Automatic payment enrollment discount | | Good Student | Discount for qualifying students | | Defensive Driver | Completion of approved defensive driving course | | Anti-Lock Brakes | Vehicle equipped with ABS | | Anti-Theft Device | Vehicle equipped with qualifying anti-theft system | | Passive Restraints | Vehicle equipped with airbags or other passive restraints | | Resident Student | Student living away from home | | New Car Replacement | Available for vehicles under 4 model years; original owner required | ### Get Customer Support For Or File A Claim With Encompass To file an Encompass insurance claim over the phone, call customer service at 1-800-588-7400. For billing inquiries, a separate line is available at 1-866-430-2916 [(Encompass Insurance, "Online BillPay", 2025)](https://consumers.encompassinsurance.com/bill-pay/login). For any mail related to claims, use this address: P.O. Box 1623, Winston-Salem, NC 27102. Customers can also fill out an [online contact form for customer service requests here](https://www.encompassinsurance.com/contactus); response time is estimated at 3 to 5 business days. Keep in mind that Encompass handles Encompass insurance complaints through a phone-first model. There is no email claims submission and no online filing portal. If fast digital access to claims matters to you, that limitation is worth weighing carefully before you buy. Encompass' own claims page describes the process as designed to help policyholders "move on as fast as possible," though customer reviews on independent platforms suggest claims resolution speed is a frequent pain point [(Encompass Insurance, "Home Insurance Claims", 2026)](https://www.encompassinsurance.com/claims/home-claims). WGK Personal Injury Lawyers, a Maryland firm, notes that common Encompass claim disputes include disagreement over fault, lowball settlement offers, and delays in processing. Their attorneys advise claimants to avoid recorded statements, insist on written communication, and review any initial offer with a lawyer before accepting [(WGK Personal Injury Lawyers, "Encompass Insurance: Claims and Settlements in Maryland", 2025)](https://wgk-law.com/blog/encompass-insurance-claims-and-settlements-in-maryland/). ## Frequently Asked Questions ### Should I Buy Encompass Insurance? Deciding whether to buy Encompass depends on your insurance needs and preferences. Encompass offers a wide range of policies and pricing options for auto, home, umbrella, and home-based business insurance. The EncompassOne bundle, in particular, suits households that want home and auto under one policy with a single deductible. That said, Encompass rates for auto tend to run higher than the national average, and the company requires you to work through an independent agent rather than get a quote online. Be sure to compare their options with other companies. Do you live in Washington, California, Texas, New York, or Florida? If so, [Coverage Cat](https://www.coveragecat.com/) can help you determine your insurance needs. ### Is Encompass Good Insurance? Encompass earns an A+ rating from AM Best for financial strength, which means it has the resources to pay claims. A 2015 Massachusetts regulatory examination confirmed that Encompass claims handling and denial practices met statutory requirements [(Massachusetts Division of Insurance, "Encompass Insurance Company of Massachusetts – Market Conduct Examination Report", 2019)](https://www.mass.gov/doc/encompass-insurance-company/download). On customer review platforms, the picture is more mixed. Clearsurance gives it a 3.44 out of 5 across 160 reviews, while complaint-focused platforms rate it much lower. Encompass is a reasonable choice for homeowners who value broad coverage options and prefer to work with a local independent agent, but buyers who want digital tools, online quotes, or fast app-based claims filing will find it falls short. ### Is Using Encompass Worth It? Encompass may be a strong option for homeowners, auto, or umbrella insurance needs, especially if you bundle policies under the EncompassOne plan. The best way to find out is to compare your Encompass quote with [Coverage Cat](https://www.coveragecat.com/). We'll find you the best possible offers, including Encompass, and make it easy to buy your best possible policy.