Encompass Homeowners Insurance Review: Rates and Discounts in 2022

If you're looking for homeowners coverage, you may be interested in Encompass homeowners insurance. Read about Encompass insurance reviews, coverage options, and more before making a decision.

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Written by
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Reviewed by
Farmers CSR for 4 Years
UPDATED: 2022-07-22T11:48:37.197Z
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A beautiful home at sunset with cheap homeowners insurance.

What You Should Know

  • Encompass offers homeowners and auto insurance in 39 states in the U.S.
  • An EncompassOne policy allows you to choose between an elite, deluxe, or special coverage option
  • Encompass Insurance has an A+ rating with A.M. Best and the Better Business Bureau

If you are a homeowner, you know how important it is to make sure your home and property are adequately protected as much as possible. Though the hope is that you would never need to lean on a homeowners insurance policy, it's important to have in an emergency.

Encompass Insurance is one company that offers homeowners insurance options. With Encompass, individuals can purchase a flexible homeowners policy that offers the coverage they need.

Anyone interested in homeowners insurance with Encompass should do a bit of research, read Encompass Insurance reviews, and compare Encompass quotes with quotes from other companies before making any final decisions on homeowners insurance coverage.

What is Encompass Insurance?

Encompass Insurance is an Illinois-based insurance company that was founded in 1999. The company started by offering personal lines of homeowners insurance to policyholders in Illinois only.

Now, Encompass offers homeowners, auto, and other forms of insurance to people in 39 U.S. states.

Encompass states on its company website that its main goal is to provide protection and security to its policyholders. When it comes to homeowners insurance, protection and security are the cornerstones of an inclusive and helpful policy.

What is covered with an Encompass homeowners insurance policy?

Because no two homes are exactly the same, Encompass Insurance prides itself on offering unique and flexible homeowners insurance policies that allow clients to get the coverage they need without adding any stress.

While the company offers homeowners, condo, and renters insurance policies, its most popular product by far is its homeowners coverage.

Called an EncompassOne policy, a homeowners insurance policy with Encompass offers a number of coverage options, including:

  • Up to 200% property location limit
  • Enhanced replacement cost coverage
  • Water backup protection
  • Covered losses for structure and its contents
  • Increased building costs
  • Mortgage rate protection
  • Personal injury protection
  • Computer and data recovery coverage
  • Jewelry and fur replacement cost coverage

Encompass homeowners insurance policies come in three options: elite, deluxe, and special. The coverage features listed above will vary based on the type of homeowners policy with Encompass.

Encompass also offers options for Encompass Insurance discounts to make homeowners insurance more affordable.

Some of the most popular discount options with Encompass include discounts for a home security system, a home that is less than 50 years old, and a bundled policy that groups your home and car together.

How much is homeowners insurance with Encompass?

It's difficult to know how much you can expect to pay for homeowners insurance — or any type of insurance — unless you take the time to find and compare quotes online.

Your homeowners insurance rates will be impacted by many different factors, including:

  • Where you live
  • The size of your home
  • The age of your home
  • The value of your home
  • The type and amount of coverage you want
  • Your credit score

These and other factors are likely to impact your homeowners insurance rates in either a positive or negative way.

The average cost for homeowners insurance in the U.S. is around $1,400 annually. This number will be much lower in some areas and much higher in others. So, while knowing the average for homeowners insurance can be a helpful place to start, it's also a good idea to find and compare rates on your own.

One of the best ways to find rates online is to use a free online quote tool. This will allow you to receive quotes from multiple companies at once and compare coverage options you're interested in with rates you can afford.

Who owns Encompass Insurance?

Encompass Insurance is a popular option in many states, but the company is actually a subsidiary of a well-known insurance company you have probably heard of before: Allstate.

In 1999, Allstate purchased the insurance lines that were currently being offered by CNA Financial and essentially developed Encompass Insurance. Though Encompass' roots go back to the late 1890s, 1999 was the official founding of the company under the Allstate umbrella.

Is Encompass Insurance going out of business?

There is no news online or elsewhere to suggest that Encompass Insurance is going out of business. The company has performed well in recent years and garners many positive ratings and reviews.

While Encompass has not announced that it is adding new lines of insurance to its foundational homeowners and auto insurance products, the company does not seem to be slowing down when it comes to insurance coverage and customers.

Does Encompass have good ratings and reviews?

Encompass Insurance boasts a lot of positive reviews online. When it comes to financial strength, Encompass Insurance has an A+ (Superior) financial strength rating with A.M. Best. The company also has a stable outlook when it comes to future insurance endeavors.

Along with its A.M. Best rating, Encompass has an A+ rating with the Better Business Bureau (BBB). If you are interested in learning more about the customer satisfaction that Encompass Insurance has, you can read Encompass Insurance reviews with the BBB and on other websites.

While you will notice a fair amount of customer complaints, it's a good idea to keep in mind that a large insurance company like Encompass, which offers coverage in nearly 40 states, is bound to have more negative customer reviews than a smaller, local insurance company.

Can I pay my bill online?

Encompass Insurance has a company website that includes a MyEncompass section. Using this section, policyholders can log in, pay their bills, access their policies, speak to an agent, and file a claim with their homeowners or auto insurance policy.

People who would rather file a claim or ask questions over the phone can call the Encompass Insurance phone number to speak to an agent or company representative.

What's the bottom line?

When it comes to homeowners insurance, it's good to have options. Encompass Insurance offers flexibility that allows policyholders to develop a unique policy that covers everything they need.

But one of the main factors in finding adequate homeowners insurance is finding an affordable amount of coverage. So before you commit to a policy with Encompass — or any homeowners insurance company — be sure to research quotes and coverage amounts with multiple companies in your area.

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