In the ever-expanding world of insurance providers, choosing the right one can feel overwhelming. Between promises of affordability, comprehensive protection, and reliable service, finding a company that truly lives up to its claims is challenging. This is where Encompass Insurance enters the scene.

With a reputation for offering wide-ranging coverage options and a customer-first approach, it’s a name that deserves a closer look. But is it the right choice for you? In this review, we’ll unpack everything you need to know about Encompass Insurance, from its unique offerings to its pricing, to help you make an informed decision. Let’s find out if it lives up to the hype.

What is Encompass Insurance?

This insurer offers Encompass insurance, which is offered as a subsidiary of the established Allstate Corporation. Of course, it's lesser-known compared to some of the others, but Encompass makes do with a niche focus on offering tailored insurance solutions catering strictly to customers. It focuses especially on bundling. Encompass instead provides packages that combine various policies for your home, car, or other needs. It is a simplified way to acquire insurance and is thus highly attractive to those who need one-stop solutions.

Founded in 1999, the company’s mission is rooted in providing “lifestyle protection”—not just insuring assets but also safeguarding the broader financial well-being of policyholders. Their policies are structured with flexibility in mind, catering to diverse needs and circumstances. Whether you’re a homeowner, a frequent driver, or someone seeking a little extra peace of mind, Encompass claims to have a solution that fits.

Beyond just selling policies, Encompass Insurance takes pride in delivering customer service that aims to build trust. However, like any company, it has its strengths and weaknesses. Let’s dig deeper into what’s on offer.

Coverage Options: Beyond the Basics

One of the standout features of Encompass Insurance is its comprehensive coverage options. The company isn’t just about meeting the standard requirements for auto or home insurance; it’s about going beyond the basics to address broader needs.

Auto Insurance

Encompass offers extensive auto insurance coverage that includes all the essentials, like liability, collision, and comprehensive insurance. However, what makes it unique is its optional add-ons, such as accident forgiveness, roadside assistance, and even new car replacement coverage. If you’ve ever been in a minor fender bender and worried about skyrocketing premiums, their accident forgiveness program can be a lifesaver. Meanwhile, new car replacement coverage ensures you’re not left paying out of pocket if your vehicle is totaled.

Homeowners Insurance

For homeowners, Encompass provides robust protection against property damage, natural disasters, and even liability if someone gets injured on your property. Their “Elite Package” simplifies the process by bundling multiple forms of coverage into a single policy, offering additional perks like higher limits for personal belongings and specialized coverage for expensive items such as jewelry or electronics. This approach can save both time and money.

Umbrella Policies

Another notable feature is the availability of umbrella insurance. This acts as an extra layer of protection beyond the limits of your existing policies. For example, if you’re sued for an amount exceeding your auto insurance coverage, an umbrella policy can cover the remainder, ensuring you’re not financially devastated.

Specialty Insurance

Encompass doesn’t stop at just auto and home insurance. They also offer policies for motorcycles, recreational vehicles, and even watercraft. This makes it a versatile option for individuals with diverse insurance needs.

The Cost Factor: Is It Worth It?

Insurance is as much about affordability as it is about protection. While Encompass Insurance is known for its premium services, it’s important to understand where it stands in terms of cost.

Premium Pricing

Encompass is generally considered a mid-to-high-tier insurance provider in terms of pricing. Its policies aren't the cheapest on the market, but they're also not exorbitantly priced. The company justifies its costs by offering higher-than-average coverage limits and several premium features, such as its "Single Deductible" option. This feature allows you to pay just one deductible if a single event damages both your car and home, which can be a significant cost-saver in emergencies.

Discounts

To offset their relatively higher premiums, Encompass offers various discounts. For instance, bundling multiple policies together can lead to significant savings. Other discounts include those for safe drivers, loyal customers, and even individuals with security systems installed in their homes. These can make a noticeable difference, especially for families or individuals managing multiple insurance policies.

Who Should Consider Encompass Insurance?

Ideal Customers

Encompass Insurance is an excellent choice for individuals and families seeking comprehensive, bundled coverage. If you’re someone who values the convenience of having all your insurance policies under one roof, Encompass is a standout option. It's also ideal for those who want extra perks like accident forgiveness or new car replacements, which aren't always standard with other providers.

Who Might Want to Look Elsewhere

On the other hand, if your primary concern is affordability, you might want to explore alternatives. While Encompass offers discounts, its base premiums can still be on the higher side compared to budget-focused insurers. Additionally, if you don’t require the bundled approach and prefer to manage individual policies, Encompass may not provide the best fit.

Regional Availability

It’s worth noting that Encompass doesn’t operate in every state. So, depending on where you live, it may not be an option at all. This makes it crucial to check the company’s availability in your area before diving into the details.

Conclusion

Choosing the right insurance provider is a deeply personal decision that depends on your unique needs, preferences, and financial situation. Encompass Insurance stands out for its comprehensive, bundled approach, offering customers the convenience of managing multiple policies in one place. Its high coverage limits, premium add-ons, and customer-focused features like accident forgiveness and single deductibles make it a compelling option for those who prioritize value and flexibility.