Encompass Indemnity Company Review (2024)
Encompass Indemnity Company emerges as a leading insurance provider, offering a wide spectrum of coverage options, competitive rates, and prioritizing customer satisfaction with its A+ A.M. Best rating.
Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
UPDATED: Apr 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Apr 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Encompass Indemnity Company
Average Monthly Rate For Good Drivers
$100A.M. Best Rating:
A+Complaint Level:
LowPros
- Comprehensive coverage options
- Competitive rates
- Excellent customer service
- Multiple policy bundling discounts
- Specialized coverage for valuables
Cons
- Limited availability in some regions
- High coverage costs for high-risk drivers
- Limited online policy management options
- No mobile app for policy management
- Boat insurance not available in all areas
Encompass Indemnity Company is a leading insurance provider offering a diverse array of coverage options to meet the unique needs of its customers.
With an A+ A.M. Best rating and a reputation for excellent customer service, Encompass excels in providing auto insurance, safeguarding against liabilities, collisions, and more. Their home insurance policies protect dwellings, and personal property, and offer additional living expense coverage.
Valuables coverage ensures cherished possessions are safeguarded, while umbrella insurance provides additional liability protection. For those seeking adventures on the water, boat, and watercraft insurance options are available.
Encompass prioritizes safety and security while offering competitive rates, multi-policy discounts, and specialized coverage for high-value items, making them a trusted choice in the insurance landscape.
What You Should Know About Encompass Indemnity Company
Company Contact Information:
- Company Name: Encompass Indemnity Company
- Website: www.encompassinsurance.com
- Customer Service Phone Number: Available on the company’s website.
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Encompass Indemnity Company Insurance Coverage Options
Encompass Indemnity Company offers a range of coverage options to meet the diverse needs of their customers. Here are the coverage options provided by the company, presented in a bullet list:
Auto Insurance
- Liability Coverage
- Collision Coverage
- Comprehensive Coverage
- Personal Injury Protection
- Uninsured/Underinsured Motorist Coverage
Home Insurance
- Dwelling Coverage
- Personal Property Coverage
- Liability Coverage
- Additional Living Expenses
Umbrella Insurance
- Additional Liability Coverage
Valuables Coverage
- Specialized Coverage for High-Value Items
Boat and Watercraft Insurance
- Tailored Coverage for Waterborne Assets
These coverage options are designed to protect various aspects of your life, from your vehicles and home to valuable possessions and recreational assets, providing comprehensive and customizable insurance solutions.
Read more: Encompass Auto Insurance Review
Encompass Indemnity Company Insurance Rates Breakdown
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| Driver Profile | Encompass Indemnity Company | National Average |
|---|---|---|
| Clean Record | $210 | $240 |
| 1+ Ticket | $270 | $300 |
| 1+ Accident | $330 | $360 |
| DUI | $350 | $370 |
| Poor Credit | $361 | $413 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
Encompass Indemnity Company Discounts Available
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| Discount | Encompass Indemnity Company |
|---|---|
| Anti Theft | 3% |
| Good Student | 5% |
| Low Mileage | 5% |
| Paperless | 8% |
| Safe Driver | 7% |
| Senior Driver | 10% |
Encompass Indemnity Company offers a range of discounts to help customers save on their insurance premiums. Here are some of the discounts provided by the company, presented in a bullet list:
- Multi-Policy Discount: Customers can save by bundling multiple insurance policies, such as auto and home insurance, with Encompass.
- Safe Driving Discount: Encompass often rewards safe driving habits with discounts on auto insurance premiums for drivers who maintain a clean driving record.
- Safety Features Discount: Customers can receive discounts for having safety features installed in their vehicles, such as anti-theft devices and anti-lock brakes.
- Good Student Discount: Students who maintain good grades in school may be eligible for discounts on their auto insurance policies.
- Claims-Free Discount: Customers with a claims-free history may qualify for discounts on their premiums.
- Paid-in-Full Discount: Encompass may offer discounts to customers who choose to pay their annual premium in full upfront.
- Home Safety Features Discount: Homeowners who have implemented safety features in their homes, such as smoke detectors and security systems, may receive discounts on their home insurance.
- Boat Safety Course Discount: Boaters who have completed a recognized safety course may be eligible for discounts on their boat insurance.
It’s important to note that the availability and specifics of these discounts may vary by location and policy, so it’s advisable to check with Encompass or their authorized agents for the most accurate and up-to-date information on available discounts in your area.
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How Encompass Indemnity Company Ranks Among Providers
Encompass Indemnity Company operates in the highly competitive insurance industry. Its main competitors include other well-established insurance providers that offer similar types of coverage. Here are some of the company’s main competitors:
- State Farm: State Farm is one of the largest insurance companies in the United States, offering a wide range of insurance products, including auto, home, and life insurance. They have a vast network of agents and a strong brand presence.
- Allstate: Allstate is known for its extensive advertising campaigns and offers auto, home, and other insurance products. They emphasize features like accident forgiveness and claim satisfaction guarantees.
- Geico: Geico is recognized for its competitive auto insurance rates and its direct-to-consumer business model. They often highlight their affordability and user-friendly online tools.
- Progressive: Progressive is known for its innovative approaches to auto insurance, such as usage-based insurance and comparison tools. They cater to a wide range of drivers, including high-risk individuals.
- Liberty Mutual: Liberty Mutual offers a variety of insurance products, including auto, home, and renters insurance. They focus on customization and flexible coverage options.
- Farmers Insurance: Farmers provides a range of insurance options, including auto, home, and specialty insurance like pet and recreational vehicle coverage. They have a strong agent network.
- USAA: While primarily serving military members and their families, USAA competes in the insurance market by offering a wide array of financial services and insurance products, including auto and home insurance.
- Nationwide: Nationwide is known for its auto and home insurance products, as well as its focus on customer relationships through local agents.
- Travelers: Travelers is a well-established insurance company that offers various types of coverage, including auto, home, and business insurance. They often emphasize their experience and financial stability.
- American Family Insurance: American Family provides a range of insurance products, with an emphasis on personalized service and community involvement.
These competitors vary in terms of their market presence, strengths, and specific niches within the insurance industry. Encompass Indemnity Company competes by offering a combination of coverage options, discounts, and customer service, and it aims to differentiate itself in this competitive landscape.
Customers often choose their insurance provider based on factors like pricing, coverage options, customer service, and the company’s reputation, among others.
Encompass Indemnity Company Claims Process
Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)
Encompass Indemnity Company provides its customers with convenient options for filing insurance claims. Policyholders have the flexibility to file claims through multiple channels, including an easy-to-use online platform, over the phone with dedicated customer service representatives, and through their mobile app.
This accessibility ensures that customers can choose the method that suits them best, making the claims process hassle-free.
Average Claim Processing Time
One crucial aspect of the claims process is the speed at which claims are processed. Encompass Indemnity Company is known for its efficient claim processing. On average, they strive to handle and resolve claims promptly, allowing policyholders to receive their payouts and necessary support without unnecessary delays.
This commitment to swift claim processing helps reduce the stress and inconvenience often associated with insurance claims.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback is a valuable indicator of an insurance company’s performance in handling claims. Encompass Indemnity Company has earned a positive reputation for its claim resolutions and payouts. Many policyholders have expressed satisfaction with the fairness and efficiency of their claim settlements.
This positive feedback reflects the company’s dedication to providing excellent customer service during times of need.
Encompass Indemnity Company Digital and Technological Features
Mobile App Features and Functionality
Encompass Indemnity Company offers a user-friendly mobile app that empowers policyholders to manage their insurance on the go. The app includes features such as policy access, claims filing, and bill payment. Additionally, it provides resources for quick access to important documents and contact information, enhancing the overall convenience of managing insurance digitally.
Online Account Management Capabilities
Encompass Indemnity Company’s online account management platform is robust and user-centric. Policyholders can access their accounts 24/7, allowing them to view policy details, update personal information, make payments, and track claims progress from the comfort of their own homes. The online portal streamlines the insurance management process, making it more efficient and accessible.
Digital Tools and Resources
In addition to the mobile app and online account management, Encompass Indemnity Company provides various digital tools and resources to assist policyholders in making informed decisions about their coverage.
These resources may include educational materials, calculators, and guides that help customers better understand their insurance options and make the right choices for their unique needs. This commitment to digital resources ensures that policyholders have the information they need at their fingertips.
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Frequently Asked Questions
What makes Encompass Indemnity Company unique among insurance providers?
Encompass stands out for its personalized coverage options and commitment to customer satisfaction. With competitive rates and an A+ A.M. Best rating, the company prioritizes meeting the diverse needs of its customers with comprehensive auto, home, and specialized valuables insurance.
Can I bundle multiple insurance policies with Encompass?
Yes, Encompass offers bundling options that can lead to cost savings and simplified management. Bundling policies, such as auto and home insurance, often comes with discounts, making it a convenient and economical choice for customers.
How do I get a quote for insurance from Encompass?
Obtaining a quote from Encompass is easy. You can do so through their website or by contacting a local agent. Utilizing their free quote tool on the website allows you to compare quotes from different insurance providers, providing you with more chances to save.
What should I consider when choosing coverage for my high-value items?
When insuring valuables, assess their appraised value and consider any special coverage needs. Encompass offers valuables coverage to ensure cherished possessions are safeguarded, providing additional peace of mind for high-value items.
Does Encompass offer discounts for safe driving?
Yes, Encompass often rewards safe driving habits with discounts on auto insurance premiums. Safe drivers can benefit from lower rates, showcasing the company’s commitment to promoting and rewarding responsible driving behavior.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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