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Encompass car insurance review Nov 2020

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Choose bundled home, auto and umbrella coverage for steep savings and convenience.

finder.com's rating: 4 / 5

★★★★★

  • Get a quote if you like the personal touch of speaking with an agent.
  • Pick something else if you want to get a quote and sign up online.
  • Drivers that don’t live in Encompass’ service area can’t get coverage.

Included free

Roadside assistance

New car protection

Accident forgiveness

Details

States served Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Michigan, Minnesota, Missouri, Nevada, New Hampshire, New Jersey, New Mexico, New York, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin
Roadside assistance Included free
Accident forgiveness Yes
New car protection Yes
Pay schedule 12 months
Claims methods online
Rideshare coverage No
SR-22 support No info available

Pros

  • Flexible coverage
  • Long list of vehicle discounts
  • Conveniently bundled policies

Cons

  • Limited availability
  • No online quotes
Anti-theft device discount Yes
Bundling discount Yes
Defensive driving discount Yes, up to 5%
Good student discount Yes
Loyalty discount No
Homeowner discount Yes
Military discount No
Safety device discount Yes, up to 5%
Special employment discount No
Usage-based discount No

Expert review

Shannon Terrell

Review by


Shannon Terrell is a writer for Finder who studied communications and English literature at the University of Toronto. On any given day, you can find her researching everything from equine financing and business loans to student debt refinancing and how to start a trust. She loves hot coffee, the smell of fresh books and discovering new ways to save her pennies.

Expert review

Encompass offers the traditional range of coverage with the added perk of a no-fuss EncompassOne policy that combines home, auto and personal insurance. Plus, Allstate is its parent company, lending a bit more credibility to its small size in the market.

However, Encompass isn’t available across all 50 states and lacks the quick online quotes and application typically offered with its competitors. Whether or not Encompass is your best option, there’s a provider out there that’s bound to fit your individual needs.

What car insurance coverage does Encompass offer?

Encompass offers high limits and a variety of options for its auto coverage, including:

  • Liability. Pays for medical and auto repair expenses with limits up to $250,000 for bodily injury coverage per person and $500,000 per accident.
  • Comprehensive. Pays for damage to your car caused by something other than an accident, like natural disasters, falling objects or vandalism.
  • Collision. Pay for repairs to your own car if you’re at fault in an accident.
  • Uninsured or underinsured motorist liability. If you’re in an accident with someone who is uninsured or underinsured, this coverage helps cover repair costs.
  • Loan or lease gap coverage. This coverage pays the difference between the amount you owe on your car loan or lease and its actual cash value after a total loss.

What extra benefits or add-ons does Encompass offer?

Encompass offers included benefits and add-ons to customize your policy, inlcuding:

  • Accident forgiveness. This add-on can help protect your premiums in the event of an at-fault accident.
  • New car replacement. If your car is four years old or younger and critically damaged in an accident, Encompass will replace your vehicle with a new one.
  • Roadside assistance. The roadside app provides 24/7 assistance with an array of roadside services like towing, battery jumps and flat tire repair.
  • Rental reimbursement. Book a rental at no cost to you to get around while your car is getting accident-related repairs.
  • Electronic equipment. Cover damage to electronics installed in your car, like a custom stereo. Plus, protect your CDs and other media stored in your car.
  • Trip interruption. Get your lodging, meals or extra transportation expenses covered if you experience an accident more than 100 miles from home.

What does Encompass’s auto and home bundle include?

Encompass offers a simple solution with its EncompassOne policy: A comprehensive insurance plan with three tiers of coverage, including coverage for your home, auto and personal belongings.

An in-depth look at what these policies cover for your car:

Auto coverage Special Deluxe Elite
Single deductible for a loss to property and auto at the same time Covered Covered Covered
State minimum coverage Covered Covered Covered
Accident forgiveness Not covered First-time accidents after five years No premium surcharges
Windshield repairs With deductible No deductible No deductible
Electronic equipment Optional Covered Covered
Roadside assistance Optional Optional Covered
Trip interruption Not specified Optional Covered
Driving your employer’s car Not covered Not covered Covered
No-claims bonus Not specified Not specified 5% off for no claims within the last year
The EncompassOne policies also offer high coverage for your home and contents within it:
Home coverage Special Deluxe Elite
Personal liability Covered Covered Covered
Dwelling Up to $1 million Up to $1 million Up to $1 million
Replacement cost Optional 200% of home value 200% of home value
Upgrades to new building codes Optional Covered Covered
Personal belongings Covered 200% of its market value 200% of its market value
Additional living expenses No dollar limits, covered up to one year No dollar limits, covered up to one year No time or dollar limits
Medical expenses Covered Covered $10,000
Water backups Optional Optional Covered
Burglary Covered Covered Covered, including reward money for finding your items
Lock replacement Not specified Not specified Covered with no deductible
Homeowner association shared losses $1,000 $5,000 $50,000
Landscaping Covered Covered Covered
Jewelry Covered $5,000 $10,000
Fine art Not specified Not specified Glass frames and porcelain fine art covered
Mortgage rate protection Not covered Up to $20,000 for acquiring a new higher-rate mortgage Up to $20,000 for acquiring a new higher-rate mortgage
Identity fraud Optional Optional Up to $20,000

Along with home and auto coverages, you can add these or optional auto coverage to any policy:

  • Personal umbrella. Increase your liability protection if your home or auto limits become exhausted in a court case.
  • Home business. Protect your business equipment on a limited basis if you work or store equipment at home.
  • Watercraft. Buy coverage for your boat, jet skis or other watercraft in case it gets damaged on the open water.

What discounts can I get with Encompass?

This company offers a myriad of car insurance discounts:

  • Safe driving bonus. If all drivers on your policy are incident-free for at least 12 months, you could be eligible for a discount of up to 5%.
  • Future effective date. It saves to plan ahead. Encompass offers discounts for drivers who have their policies issued seven or more days before the effective date.
  • Encompass easy pay. Encompass offers a discount to use its easy pay feature, allowing you to set up automatic payments on your policy.
  • New car. Insure a new vehicle with Encompass and you’ll be eligible for a policy discount.
  • Homeowner. If you own your home, condo, townhouse or mobile home, all vehicles on your policy could receive a discount.
  • Good payer. If you’d like to renew your policy with Encompass and have made on-time payments for 12 months, you could be eligible for this discount.
  • Defensive driver. You can get this discount if you’ve successfully completed a state-approved defensive driving course.
  • Antilock brake. Discounts if your car came with two- or four-wheel Anti-Lock Braking Systems (ABS).
  • Antitheft device. Protect your car and save when you install an anti-theft device, such as an immobilizer or VIN etching.
  • Passive restraints. Discounts to your medical or personal injury protection if your vehicle has factory-installed airbags or a motorized automatic seat belt restraint system.
  • Good student. Student drivers who maintain a 3.0 GPA or better can get a discount.
  • Driver training. If you are younger than 21 years old and have completed a driver’s training course with several hours of driving experience, you could be eligible for this discount.
  • Resident student. Become eligible for this discount if you’re a student who lives at least 100 miles from home and don’t have a vehicle with you at school.

Pros and cons of Encompass car insurance

Pros

  • Flexible coverage. Choose from a range of policy add-ons to customize your insurance to your needs.
  • Long list of vehicle discounts. Enjoy a wide range of available discounts for homeowners, good students, new cars, defensive drivers and more.
  • Conveniently bundled policies. The EncompassOne policy offers a set amount of predetermined coverage that includes home, auto and personal effects insurance grouped under a single policy and premium.

Cons

  • Limited availability. Encompass insurance is not available in Alaska, Florida, Hawaii, Massachusetts, Mississippi, Montana, North Carolina, North Dakota, South Dakota and Wyoming.
  • No online quotes. To receive a quote from Encompass or to apply for an insurance policy, you must call or request a quote online from an independent agent.

Compare alternatives to Encompass

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
USAA
Optional
Yes
All 50 states
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
Liberty Mutual
Optional
30%
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
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Compare up to 4 providers

Encompass car insurance reviews and complaints

Encompass is not accredited by the Better Business Bureau (BBB), but it has received an A+ rating as of October 2020. The company has seen about 31 BBB complaints in the last three years. Many of those complaints involve issues with customer service not responding to problems with claims, and customers dissatisfied with claims payouts or the handling of claims.

On the bright side, AM Best gives Encompass an A+ (Superior) rating for the company’s finances. Encompass also has received a 1.35 score for the 2019 National Association of Insurance Commissioners complaint index. This index assigns a score based on the number of complaints while factoring in the company’s size. The national standard is 1.00, with anything above that suggesting too many complaints and anything below showing few complaints.

Also, Encompass is backed by Allstate, the fifth-largest property and casualty insurance company in the US. Allstate has received an A+ financial rating from AM Best, proving both its and Encompass’s stability.

How to apply for Encompass

Encompass doesn’t have an online quote or application process available. Instead, you’ll need to locate a local Encompass agent near you and call or email a representative to apply.

While applying in person is more tedious than applying online, an insurance agent can answer questions about rates and coverage options.

What info do I need to apply?

  • Your address
  • Your date of birth
  • Your Social Security number
  • Your driver’s license
  • The year, make, model and VIN number of the vehicles you want insured

How do I find an Encompass local agent near me?

  1. Go to the Encompass auto insurance homepage.
  2. Click the Talk to your agent button at the bottom of the page.
  3. Enter your address and click Find an Agent.
  4. Encompass makes it easy to find an agent near you with a list of agents, their contact info and location. Agents closest to you are listed first.

How to make a claim

  1. To make a car insurance claim with Encompass, call its claims office at 800-588-7400.
  2. A field adjuster is assigned to your file and contacts you within one business day.
  3. You can choose to have your car inspected at one of Encompass’ authorized shops, or you can take your car to a repair shop you know and trust.
  4. Once your car is inspected, the field adjuster writes an initial estimate for the damages to your vehicle. After the estimate is complete, schedule any repairs that need to be done to your vehicle.

Frequently asked questions about Encompass car insurance

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