Encompass Insurance Review 2022

Jan 14, 2022

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Insurance reviews

Encompass Auto Insurance
  • Auto insurance

  • Homeowners insurance

The bottom line:

Encompass offers insurance packages that combine policies for your car, home and possessions as well as stand-alone home and auto coverage.

Pros

  • Unlimited accident forgiveness available (through the Elite package).
  • Subsidiary of Allstate, one of the four largest car insurance companies in the United States.

Cons

  • Not available in all states.
  • No online quotes available.
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Auto insurance review

Encompass Auto Insurance
Encompass

3.5

/5
 NerdWallet rating 
NAIC complaints
Close to expected
Ease of use
Below average
Discounts
Average set of discounts

Encompass insurance products are available in most states and sold exclusively through independent agents. Encompass is a subsidiary of Allstate Insurance.

Encompass auto insurance coverage

Encompass offers typical auto policies and coverage options, as well as combined insurance policies that include coverage for your car, home and possessions. These “EncompassOne” policies come in three levels of coverage: special, deluxe and elite — just like its stand-alone policies. Available coverage varies by state.

Special

The entry-level special policy package includes the basics, with the option to add these extras for an additional cost:

  • New car replacement, which covers the cost of a new car in the same make and model if your vehicle is totaled or stolen. Generally, an insurer will pay only for the actual cash value of your car at the time of the accident or theft.

  • Electronic equipment coverage, which pays for the loss of any electronic equipment that is permanently installed in your car, in addition to items like CDs used with the equipment. You must have comprehensive insurance to qualify for this coverage.

  • Gap coverage, which pays the difference between the actual cash value of a car and the amount you owe on your car loan or lease if your vehicle is totaled or stolen. You must have comprehensive and collision coverage to get this endorsement.

Deluxe

The mid-tier deluxe package automatically includes electronic equipment coverage, windshield repair coverage with no deductible and forgiveness of your first accident.

You can also add new car replacement, gap coverage or auto trip interruption. If you can’t use your vehicle when you’re 100 miles or more from home, auto trip interruption will cover certain related expenses.

Elite

Encompass’ elite package includes all of the benefits above except for new car replacement and gap coverage, which are optional add-ons. The elite package also includes:

  • Unlimited accident forgiveness. Accidents won’t raise your rates, even if you have more than one at-fault crash.

  • Company car protection. You’ll be covered by an elite policy even if you’re driving your company car.

Auto insurance discounts

Encompass offers the following ways to save on your auto policy:

  • Safe driver bonus, an optional feature that’s automatically included in the elite package.

  • Good student discount for young drivers with a 3.0 or better grade-point average.

  • Discount if your car has anti-lock brakes.

  • Anti-theft device discount.

  • Early signing discount for buying a policy at least seven days before it starts.

  • Discount for owning a new car.

  • Discount if you own a home, condo, townhouse or mobile home.

  • Defensive driver discount if you have successfully completed an approved defensive driving class.

  • Passive restraint system discount.

  • Discount if a driver under 21 years old completes a driver training course and has several hours of driving experience.

  • Discount if a student on the policy lives 100 miles or more away from home and doesn’t have a car at school.

  • Discount if you didn’t receive a cancellation notice for nonpayment in the past year.

  • Discount for signing up for automatic payments.

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Auto insurance buying guide

Before you compare car insurance companies, you’ll need to collect some basic information. This includes the driving history of everyone who will be on the policy, as well as facts about your car, such as safety features and annual mileage driven. You’ll also want to determine which types of coverage you need. For example, do you want only the bare minimum insurance that your state requires, or do you need more extensive coverage, such as gap insurance or rideshare coverage? Check that each company you’re considering has the options you want.

When comparing rates among insurers, make sure each is offering the same coverage limits and deductibles. You may not want to make your decision based on price alone. Look at how many consumer complaints each company has, as a high number of complaints could be a red flag about the quality of service you'll receive.

Depending on which company you choose, you may be able to buy insurance online, over the phone or through an agent. For more guidance, see how to get car insurance.

Homeowners insurance review

Encompass Home Insurance
Encompass

3.5

/5
 NerdWallet rating 
NAIC complaints
Close to expected
Coverage options
More than average
Discounts
Average set of discounts

Encompass homeowners insurance coverage

As with its auto insurance, Encompass offers standard homeowners insurance through three packages. You can buy these policies as stand-alone homeowners policies or in one combined policy that covers your car, home and possessions.

Special

Encompass’ special package includes standard homeowners coverage, plus:

  • Jewelry and fur. Up to $1,500 of coverage for your jewelry and fur, including coverage for theft.

  • Homeowners association fees. Pays up to $1,000 in HOA fees to cover your share of property loss in your neighborhood.

  • Landscape and land restoration. Pays for land restoration or to replace your lawn, shrubs or trees if they’re damaged by a covered disaster.

  • Burglary or theft recovery. If someone breaks in or damages your home, this coverage will pay the reward money (10% of the loss up to $1,000) for any information about the incident.

You may also add additional features for a price, including:

  • Increased building costs. Pays for any additional reconstruction costs you may have because of a building code change.

  • Replacement cost. If the cost to rebuild your home after a covered event is more than the original insured amount, this coverage will make up the difference.

  • Covered losses for structure and contents. With a standard homeowners policy, your possessions are covered only for disasters listed in the policy. This option broadens the scope of coverage for your belongings.

  • Lifestyle endorsement. This package extends additional coverage to family members in health care facilities, reduces the deductible for damaged sports equipment and adds other perks.

  • Enhanced home business supplement. Offers liability and property coverage for those running a business out of their home.

  • Identity fraud expense coverage. Covers expenses due to identity fraud, including lost wages and attorney fees, up to $20,000.

Deluxe

Encompass’ mid-tier homeowner’s deluxe package includes all of the benefits of the special package, including many of the optional extras. (The lifestyle endorsement, enhanced home business supplement and identity fraud coverage are still extra with this package.) It also includes coverage for:

  • Water backup. Covers damage from backed up water or sump pump overflow.

  • 200% property location limit. Includes coverage for your house, other structures and belongings up to 200% of your home’s value. This coverage allows you to allocate your limit as you see fit (most policies have separate limits for your home and belongings).

  • Walk-away coverage. Pays the estimated value for your home if it is destroyed due to an event covered by your policy and you choose not to rebuild.

  • Mortgage rate protection. Covers up to $20,000 for increased expenses, including acquisition fees and closing costs, if you need a higher mortgage due to the total destruction of your home.

  • Jewelry and fur coverage up to $5,000, including coverage for theft or loss.

  • Homeowners association fees coverage in higher limits than the special package. Pays up to $5,000 in HOA fees to cover your share of property damage in your community.

Elite

Encompass’ top-tier homeowner’s elite package includes all of the features from the deluxe coverage, in addition to:

  • Lock replacement. Pays to have your house locks replaced with no deductible if your keys are lost or stolen.

  • Fine art. Includes coverage to replace glass protecting your fine art in addition to any broken porcelain statuary or other fragile art.

  • Identity fraud expense coverage up to $20,000.

  • Jewelry and fur (higher limit than the deluxe package). Includes up to $10,000 of coverage for your jewelry and fur, including if your items are lost or stolen.

  • Homeowners association fees (higher limit than the deluxe package). Pays up to $50,000 in HOA fees to cover your share of damage in your community due to a disaster.

  • Medical expenses (higher limit than the deluxe package). Covers medical costs if an accident occurs on or away from your insured location, up to $10,000.

Elite policyholders can add the lifestyle endorsement or enhanced home business supplement for an extra cost.

Home insurance discounts

Discounts depend on where you live but may include:

  • New home discount if your home is 20 years old or newer.

  • Discount if you have a home security system, fire alarms, fire extinguishers or other safety devices.

  • Discount if you haven’t filed a claim for the past five years.

  • Home buyer discount if you purchased a house in the past five years that is less than 49 years old.

  • Discount if you’ve renovated your home systems in the past 10 years.

Complaints 

Encompass had close to the expected number of complaints to state regulators relative to its size for auto and home insurance, according to three years’ worth of data from the National Association of Insurance Commissioners.

More about Encompass insurance

Website: You can view your policy, see your agent’s information and pay your bills, including automatic monthly payments, through your MyEncompass account.

Mobile app: Through the Encompass roadside assistance app, users can ask for help, share their location and receive notifications when help is on the way. You can also view your insurance card, pay your bills and see policy details if you have a MyEncompass account. The app is available for both iOS and Android devices.

Other insurance from Encompass

Encompass also sells these other policy types:

  • Condo.

  • Renters.

  • Motorcycle.

  • Boat and watercraft.

  • Umbrella.

  • Recreational vehicle.

Methodology

Insurer complaints methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2018-2020. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. Ratios are determined separately for auto, home (including renters and condo) and life insurance.

Auto insurance ratings methodology

NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.

Home insurance ratings methodology

NerdWallet’s homeowners insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverages, discounts, online experience and more. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.

Frequently asked questions