Jane Dotson
Encompass Insurance is a well-established insurance carrier with a history dating back to 1897. The company offers a range of insurance products, including auto, home, and casualty insurance, through a network of independent insurance agents. With more than 2,400 agents in 39 states, Encompass has become one of the largest personal property and casualty insurance brands in the US. The company boasts high ratings, excellent customer service, and a user-friendly website that provides detailed information on discounts and the claims process. Encompass's independent agents play a crucial role in delivering insurance products and services to customers across the nation.
| Characteristics | Values |
|---|---|
| Year founded | 1897 |
| Number of independent agents | 2,400 to 2,600+ |
| Number of states served | 39 |
| Parent company | Allstate Corporation |
| Types of insurance offered | Homeowners, condominium, renters, landlord, auto, motorcycle, recreational vehicle, boat, personal watercraft, personal umbrella, scheduled personal property, home-based business, identity theft restoration protection, flood insurance |
| Ratings | Averages approximately 3.5 out of 5 stars on most review sites; A.M. Best ranking of A+ (Superior) for several underwriting companies; BBB rating: not accredited |
| Discounts offered | Safe Driving Bonus, Passive Restraint System Discount, Anti-Theft Device Discount, Anti-Lock Brake Discount, New Car Discount |
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What You'll Learn
Encompass Insurance has over 2,400 independent agents
The insurance company offers a wide range of insurance products, including auto, home, motorcycle, boat, personal watercraft, and recreational vehicle insurance. They also provide coverage for collectibles, homes, and vehicles through their EncompassOne policy, which offers three tiers of comprehensive coverage: Elite, Deluxe, and Special.
Encompass Insurance has received high ratings from A.M. Best and the Better Business Bureau (BBB). They offer 24/7 claims reporting via phone and have an intuitive and user-friendly website. The website provides detailed and easily accessible information for customers, including details about discounts and the claims process.
Encompass Insurance's independent agents play a crucial role in delivering insurance products and services to customers. These agents are knowledgeable about the various insurance options and can assist customers in finding the right coverage for their needs. They also help customers take advantage of the competitive discounts offered by Encompass, such as the Safe Driving Bonus, Passive Restraint System Discount, Anti-Theft Device Discount, and more.
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The company offers a range of insurance products
Encompass Insurance Company, a subsidiary of Allstate Corporation, offers a wide range of insurance products to its customers. With a history dating back to 1897, the company has established itself as one of the largest personal property and casualty insurance providers in the United States. Through a network of over 6,500 independent agents, Encompass serves customers in 42 states across the country.
The company's insurance products cater to a diverse range of needs, including both personal and business protection. On the personal insurance front, Encompass offers comprehensive coverage for homes, vehicles, and collectibles through its EncompassOne policy. This policy stands out with three tiers of protection, ensuring customers can choose the level of coverage that best suits their requirements. Additionally, Encompass provides condominium insurance, tailored to meet the unique needs of condo owners, and renters insurance, which safeguards renters' personal belongings and provides liability coverage.
For vehicle owners, Encompass offers auto insurance, along with specialised options such as ATV insurance, boat insurance, classic car insurance, and motorcycle insurance. The company also recognises the importance of protecting financial assets, offering a personal umbrella policy that extends liability coverage beyond standard home and car insurance policies. Encompass also provides identity theft protection, offering financial support of up to $20,000 for damage recovery in the event of identity theft.
Beyond personal insurance, Encompass offers a suite of business insurance solutions. This includes business owners package (BOP) insurance, insurance bonds, and workers' compensation coverage. Recognising the diverse nature of businesses, Encompass also provides specialised insurance options such as farm insurance and event insurance. The company's range of products ensures that businesses of all types can find the protection they need.
Furthermore, Encompass understands the importance of safeguarding health and wellbeing, offering health insurance, critical illness insurance, dental insurance, and long-term care insurance. The company also provides group benefits and Medicare Advantage Plans, demonstrating a commitment to serving a wide range of customer needs. With a focus on comprehensive protection, Encompass Insurance Company strives to provide its customers with peace of mind across various aspects of their lives.
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Customers can avail of 24/7 claims reporting
Encompass Insurance offers its customers 24/7 claims reporting. This means that customers can report a claim at any time of the day or night. There are several ways to do this. Firstly, customers can call the Encompass Policyholder Service Center, which is staffed with licensed representatives who can help with policy changes and queries. Customers can also call a toll-free number to speak to a claims team member, who will help them file a claim and dispatch emergency assistance if required. Additionally, Encompass offers a mobile app that provides 24/7 access to insurance policies, ID cards, and the ability to file a claim.
The Encompass Policyholder Service Center is designed to make the insurance process as convenient and easy as possible for customers. Representatives can access policy information and serve customers quickly and efficiently. The center can provide information on billing inquiries, such as payment status, amount due, and due date. Customers can also call their independent agent for support, who can help them review and understand their overall insurance needs.
The Encompass Mobile app is free to download and provides customers with convenient access to their insurance policy details. Through the app, customers can review their current policy and coverage details, sign policy documents electronically, access a digital proof of insurance, view their agent's contact information, make payments, and request roadside assistance.
While the app provides 24/7 access to insurance policies and certain services, it may not be available in all states. Some users have reported issues with logging into the app, and it appears that the app has limited functionality in certain regions. However, Encompass Insurance customers can still utilize the 24/7 claims reporting service by calling the toll-free number or contacting their independent agent directly.
Overall, Encompass Insurance provides customers with multiple avenues for 24/7 claims reporting, ensuring that they can access the support and assistance they need at any time of day or night. The combination of the Encompass Policyholder Service Center, the toll-free number for claims, and the mobile app offers convenience and peace of mind to customers, allowing them to manage their insurance policies and file claims promptly and efficiently.
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$54.99 $39.99
Encompass has high ratings from customers
Encompass Insurance is a subsidiary of Allstate Insurance, and its products are available in nine US states: California, Colorado, Georgia, Idaho, Iowa, Nebraska, New Mexico, Texas, and Virginia. The company offers a wide range of insurance products, including auto, home, life, health, and business insurance, as well as various specialty insurance options.
While limited third-party customer reviews and scores are available for Encompass, the company has received generally positive ratings from its customers. Encompass has a Bankrate Score of 3.7 out of 5.0 for its home insurance, with customers highlighting its good customer service and competitive rates. One user on Bankrate mentions that they "did some research and read reviews and [...] decided that it was good" for them.
Encompass's auto insurance has also received positive reviews, with NerdWallet users highlighting the company's top-tier elite package, which includes features such as lock replacement coverage and fine art insurance. The company's auto insurance products also offer mortgage rate protection, jewellery and fur coverage, and homeowners association fees coverage, all of which have been well-received by customers.
In addition to its standard insurance products, Encompass also offers specialized coverage options, such as wedding insurance, pet insurance, and travel insurance. The company's EncompassOne policy, available for both homeowners and auto insurance, provides customers with flexible and customizable coverage options, allowing them to choose from three tiers: Special, Deluxe, and Elite. The Elite and Deluxe tiers, for example, offer extended dwelling coverage, while the Special tier includes add-ons like jewellery and fur coverage and homeowners association fees coverage.
Overall, Encompass Insurance has earned high ratings from its customers, with praise for its competitive rates, good customer service, and flexible coverage options. While the company has higher-than-average complaints with the National Association of Insurance Commissioners (NAIC), it is worth noting that this may be due to its limited number of third-party customer reviews.
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The company has a user-friendly website
Encompass Insurance has grown to become one of the largest personal property and casualty insurance brands in the US. With a history dating back to 1897, the company has a strong foundation and an extensive network of independent insurance agents. Today, Encompass boasts over 2,400 agents across 39 states, providing a wide range of insurance products to its customers.
While Encompass has built a solid reputation in the insurance industry, it is their user-friendly website that stands out. The company's website is designed with the user in mind, offering a seamless and intuitive experience. The website is well-organised, making it easy for current and prospective customers to navigate and find the information they need. This user-centric approach is a key differentiator for Encompass, setting them apart from competitors.
The Encompass website provides detailed and thorough information, ensuring transparency and clarity for its users. Customers can easily access details about the company's various insurance offerings, including home, auto, and personal property coverages. The website also prominently displays information about discounts, which is a welcome feature for those looking to save on their insurance costs. This level of transparency is not always provided by insurance companies, but Encompass prioritises its customers' needs.
One notable aspect of the Encompass website is its lack of online claims reporting. While customers can access information about the claims process, they must rely on their independent insurance agent or phone support to initiate a claim. Despite this minor drawback, the website's overall user-friendliness and ease of navigation make it a valuable resource for Encompass customers.
The company's website also showcases their various insurance packages, such as the EncompassOne policy. This comprehensive coverage option includes tiers for homes, vehicles, and collectibles, providing customers with a range of choices to suit their specific needs. Encompass's website effectively communicates these options, ensuring customers can make informed decisions about their insurance selections. Overall, the user-friendly nature of the Encompass website enhances the company's reputation and makes it a go-to resource for insurance-related queries.
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Frequently asked questions
Encompass Insurance has more than 2,400 independent agents in 39 states across the US.
Encompass Insurance employs independent insurance agents.
You can contact an Encompass Insurance agent by phone, as they offer 24/7 claims reporting for their customers.
