Encompass Insurance Company Review (2024)

Encompass Insurance Company, a recognized name in the insurance industry, stands as a reliable partner committed to meeting diverse coverage needs with its extensive suite, including auto, home, renters, umbrella, and life insurance, all designed to offer comprehensive protection and peace of mind.

UPDATED: Apr 23, 2024Fact Checked

Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

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

Advertiser Disclosure

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

Advertiser Disclosure

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.

UPDATED: Apr 23, 2024Fact Checked
3.4
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Encompass Insurance Company

Average Monthly Rate For Good Drivers

$100

A.M. Best Rating:

A (Excellent)

Complaint Level:

Low

Pros

  • Comprehensive coverage options for auto, home, renters, umbrella, and life insurance
  • Competitive discounts and rewards for responsible policyholders
  • Efficient and customer-friendly claims process
  • Strong financial stability and reliability
  • Personalized guidance for choosing the right insurance policies

Cons

  • Pricing may vary depending on individual circumstances
  • Availability of certain discounts may depend on the policyholder’s location and eligibility
  • Limited information on specific premium rates in the article

Within this extensive guide, we’ve delved into Encompass Insurance Company, your trusted partner in safeguarding what matters most. With a diverse range of insurance solutions spanning auto, home, renters, umbrella, and life insurance, Encompass offers comprehensive coverage options tailored to your unique needs.

We explored the various types of insurance offered, from safeguarding your vehicles and securing your home to protecting your personal belongings and your family’s financial future. Encompass stands out with competitive discounts, a commitment to customer service, and a strong financial foundation.

As you navigate the complexities of insurance, Encompass is here to provide the peace of mind that comes with knowing you’re protected by a reliable and comprehensive coverage provider.

Encompass Insurance Company Insurance Coverage Options

Encompass Insurance Company offers a diverse portfolio of insurance products designed to meet your specific needs. Whether you’re looking for auto, home, renters, umbrella, or life insurance, we’ve got you covered. Here’s a closer look at our coverage options:

  • Auto Insurance: From comprehensive coverage to liability protection, Encompass ensures that you’re prepared for the unexpected on the road.
  • Home Insurance: We safeguard your home and belongings with comprehensive dwelling and personal property coverage, plus additional living expenses protection.
  • Renters Insurance: Even if you don’t own your home, Encompass renters insurance provides personal property protection and liability coverage.
  • Umbrella Insurance: Extend your liability protection beyond primary policies with our umbrella insurance, offering peace of mind and enhanced financial security.
  • Life Insurance: Secure your family’s future with term and permanent life insurance options, designed to provide financial protection and peace of mind.

Encompass Insurance Company stands out as your comprehensive coverage provider. With a wide range of insurance options, competitive discounts, and a steadfast commitment to exceptional customer service, we’re here to protect what matters most to you.

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Encompass Insurance Company Insurance Rates Breakdown

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Driver ProfileEncompass Insurance CompanyNational Average
Clean Record$220$200
1+ Ticket$320$340
1+ Accident$350$370
DUI$380$400
Poor Credit$378$344

*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver

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Encompass Insurance Company Discounts Available

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DiscountEncompass Insurance Company
Anti Theft5%
Good Student6%
Low Mileage10%
Paperless9%
Safe Driver12%
Senior Driver10%

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As a trusted name in the insurance industry, Encompass offers a comprehensive suite of coverage options tailored to meet your unique needs. Here are the various insurance products Encompass provides but also highlight the discounts available to help you make the most informed and cost-effective decisions:

  • Bundle Discount: Combine multiple insurance policies with Encompass to enjoy additional savings. Bundling options may include auto, home, renters, condo, boat, and umbrella insurance.
  • Safe Driving Discount: Encompass rewards safe driving habits with discounts. If you maintain a good driving record, you may qualify for additional savings on your auto insurance.
  • Multi-Policy Discount: Take advantage of Encompass’s multi-policy discount by insuring multiple aspects of your life, such as home and auto insurance, and enjoy cost savings.

As you navigate the intricacies of insurance, Encompass is committed to providing the peace of mind that comes with knowing you’re protected by a reliable and comprehensive coverage provider. Explore our diverse range of coverage options and leverage the available discounts to tailor a plan that safeguards what matters most to you.

Encompass Insurance Company – your trusted partner in securing a brighter and more protected future.

How Encompass Insurance Company Ranks Among Providers

Encompass Insurance Company operates in a highly competitive insurance industry where several well-established and respected companies are its main competitors. Here are some of Encompass’s main competitors:

  • State Farm: State Farm is one of the largest and most well-known insurance companies in the United States. They offer a wide range of insurance products, including auto, home, renters, and life insurance. State Farm is known for its extensive network of agents and strong customer service.
  • Allstate: Allstate is another major player in the insurance industry, offering a comprehensive suite of insurance products similar to Encompass. They are recognized for their innovative features and digital tools, as well as their advertising campaigns featuring the well-known “Mayhem” character.
  • Progressive: Progressive is known for its auto insurance products and its unique approach to providing online quotes and policy management. They often appeal to customers seeking competitive rates and innovative features such as usage-based insurance.
  • Geico: Geico is known for its witty advertising and competitive pricing. They focus primarily on auto insurance but also offer other coverage options. Geico’s online and phone-based customer service has gained popularity among tech-savvy consumers.
  • Nationwide: Nationwide is a prominent insurance company that offers a wide range of insurance products, including auto, home, and life insurance. They emphasize a strong agent network and customer relationships.
  • Liberty Mutual: Liberty Mutual provides various insurance options, including auto, home, renters, and life insurance. They are recognized for their customizable coverage options and the ability to tailor policies to individual needs.
  • Travelers: Travelers is well-regarded for its commercial and personal insurance solutions. They offer a range of coverage options, including auto, home, renters, and business insurance, making them a versatile competitor in the industry.
  • Farmers Insurance: Farmers Insurance is known for its extensive network of agents and offers a range of insurance products, including auto, home, renters, and life insurance. They are often chosen by customers who prefer a personal touch.

These competitors, along with others in the insurance industry, continuously vie for market share by offering competitive pricing, innovative features, strong customer service, and comprehensive coverage options.

Encompass Insurance Company competes in this landscape by emphasizing its unique coverage options, discounts, and commitment to customer satisfaction.

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Encompass Insurance Company Claims Process

Ease of Filing a Claim

Encompass Insurance Company offers policyholders a convenient and user-friendly claims process. You have multiple options for filing a claim, including online, over the phone, and through mobile apps. This flexibility allows you to choose the method that suits your preferences and needs, ensuring a hassle-free experience when you need to make a claim.

Average Claim Processing Time

Encompass Insurance Company is committed to efficient claim processing. While specific processing times may vary depending on the nature of the claim and the circumstances, the company strives to handle claims promptly. Policyholders can expect a reasonable turnaround time, providing them with the financial support they need when faced with unexpected events.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback is crucial when evaluating an insurance company’s performance in claim resolutions and payouts. Encompass Insurance Company values customer satisfaction and aims to provide fair and timely claim settlements.

Policyholders have reported positive experiences with Encompass, highlighting the company’s commitment to addressing claims effectively and ensuring policyholders receive the compensation they deserve.

Encompass Insurance Company Digital and Technological Features

Mobile App Features and Functionality

Encompass Insurance Company offers a feature-rich mobile app that empowers policyholders with convenient access to their insurance information. The app allows users to view policy details, make payments, and even file claims directly from their mobile devices. With a user-friendly interface and intuitive design, the Encompass mobile app enhances the overall insurance experience.

Online Account Management Capabilities

Managing your insurance policies online has never been easier with Encompass. The company provides robust online account management capabilities, allowing policyholders to make updates, review coverage, and access important documents with ease. Whether you need to add a new vehicle or update your contact information, Encompass’s online portal simplifies the process.

Digital Tools and Resources

Encompass Insurance Company goes the extra mile in providing policyholders with valuable digital tools and resources. From educational materials to insurance calculators and risk assessment tools, the company equips its customers with the information needed to make informed insurance decisions.

These digital resources empower policyholders to understand their coverage and make adjustments as their needs change.

Frequently Asked Questions

What types of insurance does Encompass offer?

Encompass provides a wide range of insurance options, including auto, home, renters, condo, boat, and umbrella insurance.

How can I obtain a quote for Encompass insurance policies?

You can request a quote through Encompass’s official website or by contacting their customer service.

Are there any discounts available for Encompass policyholders?

Encompass often offers various discounts, such as bundling multiple policies, safe driving discounts, and more. Check with them for specific details.

What should I do in the event of a claim with Encompass?

To file a claim, contact Encompass immediately and provide all necessary details. They will guide you through the claims process.

Can I bundle multiple insurance policies with Encompass for additional savings?

Yes, Encompass encourages policy bundling, which can lead to cost savings while consolidating your coverage needs.

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Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

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.

Reviews
for Encompass Insurance Company

3.44 (160 reviews)
1
May 1, 2023

Lex_B

Worst Automated response. Can’t speak to customer service

Worst automated response in the industry!!!!!!!!!!!!!!! It’s like trying to solve a math problem when connecting with customer services!!!!!!!! Takes you Forever to get connected going through a series of automated questions. It will literally take you all day!!!!!
1
November 26, 2022

Denirricka8

WORSE INSURANCE COMPANY

This is the worse insurance company I have had. It’s been a month since I even heard from anyone. Mr. [REDACTED NAME] was very rude to me. When I finally got in contact with him ( although he was not my original claim rep, I only talked to her the first day) he stated that my car had prior damages which was not true. He claim I would hear from the expert because the pictures I sent showed rust in the damages. No one has called me nor reached o...
This is the worse insurance company I have had. It’s been a month since I even heard from anyone. Mr. [REDACTED NAME] was very rude to me. When I finally got in contact with him ( although he was not my original claim rep, I only talked to her the first day) he stated that my car had prior damages which was not true. He claim I would hear from the expert because the pictures I sent showed rust in the damages. No one has called me nor reached out to me about anything. I have called called and called. Within a month I have made phone contact on the first with [REDACTED NAME] ( who I am guessing is no longer with the company ) and finally to rude rep name [REDACTED NAME]. I have really been patient and tried to explain to him we live near salt water and it also took up to a almost a week before I could even pick up my police report and also I wasn’t exactly sure when my car got side swipe because I was out of town.
1
June 15, 2022

AlexD90

TERRIBLE COMPANY!!

TERRIBLE COMPANY! Never calls back and leaves their customers waiting weeks to months just for a call back! had my car sitting in the shop because they would not answer or assist me! Switching companies as of today!!!
1
November 20, 2021

Encompass_sucks

Encompass is awful. I cancelled my coverage with them!

I found encompass to be awful. Sure, always friendly when there were no problems. But I had a vehicle that turned out to be a total loss and boy did they try to use up time and money to avoid that conclusion. I had rep. who would not call me back when she said she would and have no doubt that she was a pawn following directives from elsewhere. Only when the state and my broker got involved did they send me a check for the full vehicle value. And ...
I found encompass to be awful. Sure, always friendly when there were no problems. But I had a vehicle that turned out to be a total loss and boy did they try to use up time and money to avoid that conclusion. I had rep. who would not call me back when she said she would and have no doubt that she was a pawn following directives from elsewhere. Only when the state and my broker got involved did they send me a check for the full vehicle value. And in the meantime it was their obvious attempt to saddle me with as much billing for a rental vehicle (above and beyond what they would provide) such that I would cave. Awful awful awful. The POINT of an insurance company is not to make money. The POINT is to take care of your customers and thus, by doing, earn income.
1
June 14, 2021

Lucy21

Buyer Beware!!!!

Do not use Encompass insurance company!!! The rates are high! Worst of all it is near impossible to Cancel your policy!! We switched to Allstate in February (it is now June) and Encompass still has not canceled our policy!! You have to write a letter and mail it to cancel your policy and they always say they did not get it so you have to do it again! They are trying to send us to collections for non payment due to the fact they keep saying the...
Do not use Encompass insurance company!!! The rates are high! Worst of all it is near impossible to Cancel your policy!! We switched to Allstate in February (it is now June) and Encompass still has not canceled our policy!! You have to write a letter and mail it to cancel your policy and they always say they did not get it so you have to do it again! They are trying to send us to collections for non payment due to the fact they keep saying they did not get our cancelation notice!! Buyer Beware!
1
March 25, 2021

Plainjane57

Very poor company and very bad Customer service I definitely

Very unprofessional . Someone hit my husband‘s truck on Christmas night here it is March We were left with unanswered questions until today they are not going to cover my husband’s truck they do not believe our story after being a loyal customer for 17 years. We have our house car and umbrella policy that was in place In the beginning they were I felt like was a good insurance company but as the time is gone by our prices have gone up more a...
Very unprofessional . Someone hit my husband‘s truck on Christmas night here it is March We were left with unanswered questions until today they are not going to cover my husband’s truck they do not believe our story after being a loyal customer for 17 years. We have our house car and umbrella policy that was in place In the beginning they were I felt like was a good insurance company but as the time is gone by our prices have gone up more and more and now denied after my husband’s truck was hit hit and run. So if I were you I would think twice about ever going through encompass I noticed the rates have gone down from a five to a three there must be a reason for that. I’ve never felt like such a criminal in all my life. I do not recommend this company I will be leaving this company and never looking back. I just don’t wanna see anyone else put that long into an insurance company and them not help you after you’ve been a loyal customer to them that’s gratitude.
1
November 27, 2020

gil99

Bad experience

I had a bad experience with this insurance. they don help me when i need it. Their policy makes, in general, a bad experience.
1
March 31, 2020

JB2020

WORST COMPANY EVER

This is the WORST company ever! They dropped my insurance because there was an issue with my debit card and didn't even care to give me any kind of notice. I did not know until I needed it, of course. Their response was that it was not their responsibility!!!! And they claimed that they did not have my email address or contact information. They refused to reinstall my insurance but then decided to charge me $750 for the non coverage and send me t...
This is the WORST company ever! They dropped my insurance because there was an issue with my debit card and didn't even care to give me any kind of notice. I did not know until I needed it, of course. Their response was that it was not their responsibility!!!! And they claimed that they did not have my email address or contact information. They refused to reinstall my insurance but then decided to charge me $750 for the non coverage and send me to collections to be harassed constantly by a collections agency. Then a couple of emails ago, they sent me a marketing email. So - guess what - they had my email address, which they denied having before. Ever since, they send me multiple letters. They are TERRIBLE.
1
January 24, 2020

Alvaraal

Not for high end cars.

If you have a luxury vehicle and expect to be able to chose to use your dealer for repairs. This is not the insurance company for you. They have limits on what they are willing to pay for service and will not even pay the bill on your behalf. They expect you to pay out of packet. And I don’t mean your deductible. Which fair insurance practices. They can not even guarantee you will be reimbursed for your claim. Telling your clients you can choos...
If you have a luxury vehicle and expect to be able to chose to use your dealer for repairs. This is not the insurance company for you. They have limits on what they are willing to pay for service and will not even pay the bill on your behalf. They expect you to pay out of packet. And I don’t mean your deductible. Which fair insurance practices. They can not even guarantee you will be reimbursed for your claim. Telling your clients you can choose to take your vehicle anywhere you like, is untrue if you make impossible to work with someone other then the insurances preferred service departments. If I pay for a high end car I expect high end technicians and high end parts. Not discounted parts and discounted services departments. I’m a firm believer of you get what you pay for. I will be changing providers to a more reliable/ reputable insurance company
1
January 3, 2020

AliciaM

Can't Reach Anyone

I can never get a hold of anyone. I needed to update my card info and sent an email to the email address provided two weeks ago and no response. Is this even a real company?? I can't make a profile online to make payments or manage my account. Can't find any social media for them. It looks a lot like fraud. The prices are good but why is it so hard to reach an actual person? I am going to start looking for someone else.
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<h3>Encompass Insurance Company Monthly Auto Insurance Rates</h3>
<h3>Encompass Insurance Company Monthly Auto Insurance Rates</h3>