Encompass Insurance: A Tapestry of Protection Tailored for You

encompass insurance

As an independent insurance agent with Blake Insurance Group, I’ve seen firsthand how the right insurance coverage can provide peace of mind and financial security for families and individuals. Today, I want to talk about Encompass Insurance, a company that has protected Americans for over a century.

When clients come to me looking for comprehensive coverage, Encompass often comes to mind, especially those in Arizona, Alabama, Florida, Georgia, New Mexico, New York, North Carolina, Oklahoma, Ohio, Texas, and Virginia. Why? Because Encompass offers a unique approach to insurance that can simplify your life while providing robust protection.

Imagine having all your insurance needs – home, auto, and more – bundled into one policy, with one premium and one deductible. That’s the Encompass advantage. But it’s not just about convenience; it’s about tailored protection that fits your lifestyle and budget.

In my years of experience, I’ve found that every client’s situation is unique. That’s why I’m excited to dive into what Encompass Insurance offers and how it might be the right fit for you. Whether you’re a first-time homeowner in Florida worried about hurricane coverage or a Texas driver looking for better auto insurance rates, Encompass has options worth considering.

Let’s explore what makes Encompass stand out in the crowded insurance market and how its offerings can benefit you and your loved ones. Trust me, by the end of this article, you’ll have a clear picture of whether Encompass Insurance aligns with your needs and values.

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Encompass Insurance has a rich history and strong presence in the personal property and casualty insurance market. The company’s roots can be traced back to 1897 when it began selling personal insurance under the motto “Protection and Security.” This long-standing commitment to customer protection has been a cornerstone of their business for over a century.

In 1999, Allstate Insurance Company acquired the personal lines insurance business from CNA Financial and introduced the Encompass name to its subsidiary in 2000. This acquisition by Allstate, one of the largest insurance providers in the United States, significantly bolstered Encompass’s position in the market.

Today, Encompass Insurance is recognized as one of the country’s largest personal property and casualty insurance brands. The company’s products are distributed exclusively through a network of more than 2,600 independent agent locations across the United States. This extensive network allows Encompass to provide personalized service to customers while leveraging the strength and resources of its parent company, Allstate.

Encompass is known for its comprehensive coverage options, particularly its flagship EncompassOne policy. This policy offers three tiers of coverage – Special, Deluxe, and Elite – providing customers with flexible options to meet their specific insurance needs.

The company’s financial strength is reflected in its ratings from independent agencies. Several Encompass underwriting companies have received an A+ (Superior) rating from A.M. Best, a leading insurance rating organization. This high rating indicates the company’s strong financial position and ability to meet its ongoing insurance obligations.

Product Offerings

Encompass Insurance offers a diverse range of insurance products designed to meet the various needs of its clients. Here’s a detailed look at what they provide:

**Auto Insurance**

Encompass auto insurance is designed to keep you and your vehicle protected on the road. It includes options for liability, collision, comprehensive coverage, and more, ensuring that you have the necessary protection whether you’re dealing with an accident, theft, or natural disaster.

**Home Insurance**

Home insurance from Encompass covers your dwelling and personal property and provides liability protection. It includes coverage for damage from natural disasters, theft, and other unforeseen events. Encompass also offers tailored coverage to fit your home’s unique needs, ensuring that no two policies are exactly alike.

**Renters Insurance**

Encompass offers renters insurance for those renting a home or apartment. This insurance protects personal property and provides liability coverage. It can cover losses due to theft, fire, and other covered perils, offering peace of mind to tenants.

**Umbrella Insurance**

Encompass’s personal umbrella insurance provides additional liability coverage beyond the limits of your standard auto or homeowners insurance policies. This extra layer of protection can be crucial in the event of major claims or lawsuits, covering scenarios such as serious auto accidents, injuries on your property, and more.

**Personal Umbrella Insurance**

This coverage extends beyond the limits of your standard auto or homeowners policies, offering extra protection against major claims and lawsuits. It’s designed to safeguard your assets and future earnings in case of significant liability claims.

**Lifestyle Endorsement**

This unique product enhances your personal liability and property coverage for various situations. Some key features include:

– Coverage for personal property of family members in extended care facilities

– Reimbursement for alternative schooling or care if regular facilities close due to covered losses

– Protection against ATM theft while traveling

– Increased coverage for sports and hobby equipment

**Home Business Insurance**

For those running businesses from home, this coverage fills gaps that standard homeowners policies might leave. It includes increased business property coverage and liability protection for home-based businesses.

**Motorcycle Insurance**

Tailored to protect riders and passengers, this policy covers various motorcycle ownership and use aspects.

**Recreational Vehicle (RV) Insurance**

Designed specifically for RV owners, this insurance protects the vehicle and its possessions during your adventures.

**Boat & Watercraft Insurance**

This coverage is crafted for watercraft enthusiasts, offering protection that includes replacement costs, onboard personal property coverage, and uninsured boaters coverage.

**Identity Theft Protection**

In the event of identity theft or fraud, this coverage provides up to $20,000 for recovering damages and associated fees.

These additional products allow Encompass clients to create a comprehensive insurance package tailored to their needs and lifestyles. Whether you’re a boating enthusiast, a home business owner, or simply looking for extra liability protection, Encompass offers options to enhance your coverage beyond standard home and auto policies.

EncompassOne Policy

The EncompassOne Policy is a comprehensive insurance package that bundles home, auto, and other insurance policies into a single, streamlined plan. This approach simplifies the insurance process and can lead to significant cost savings for consumers. Here’s an in-depth look at what the EncompassOne Policy offers:

**Key Features**

**Single Premium and Deductible**: One of the EncompassOne Policy’s standout features is combining multiple types of coverage into a single policy with one premium and one deductible. This means that in the event of a covered loss involving both your home and auto, you only pay one deductible, which can simplify claims and reduce out-of-pocket expenses.

**Three Tiers of Coverage**:

   – **Special**: This is the basic level of coverage, providing essential protection for home and auto. Additional coverages like new car replacement, roadside assistance, and gap insurance can be added as needed.

   – **Deluxe**: This plan offers higher limits and more extensive protection, including features like first-time accident forgiveness, zero-deductible windshield repairs, and protection for electronic equipment. Optional coverages such as new car replacement and trip interruption can also be added.

   – **Elite**: The most comprehensive tier, including unlimited accident forgiveness, high-limit rental car reimbursement, trip interruption coverage, and zero-deductible windshield repairs. This tier also provides extensive protection for electronic equipment and offers new car replacement and gap coverage as optional add-ons.

**Home Insurance Benefits**

Enhanced Replacement Cost Coverage ensures your home is rebuilt to its original condition without depreciation deductions.

– **200% Property Location Limit**: Allows you to allocate up to 200% of your home’s insured value across your home, other structures, and personal property, providing flexibility in coverage.

– **Additional Living Expenses**: Covers reasonable increased living expenses if your home becomes uninhabitable due to a covered loss, with no dollar limit for up to one year.

– **Water Backup Coverage**: Protects against damage from sewer, drain, and sump pump backups.

– **HOA Assessment Coverage**: Covers your share of homeowners association assessments for covered losses to common property, up to $5,000.

**Auto Insurance Benefits**

Accident Forgiveness protects you from premium increases due to at-fault accidents, with unlimited forgiveness available in the Elite tier.

– **New Car Replacement**: Replaces your new car with a current model year vehicle if it’s totaled in a covered loss, applicable to cars up to four model years old.

– **Gap Coverage**: Covers the difference between what you owe on your loan and your car’s actual value if it’s totaled.

**Roadside Assistance**: Provides 24/7 support for services like towing, battery jumps, and flat tire changes. This is included in the Elite package and available as an add-on for Special and Deluxe tiers.

**Additional Benefits and Discounts**

– **Safe Driving Bonus**: Up to 5% off your policy premium if no one on your policy has had an accident in the last 12 months.

– **Future Effective Date Discount**: Savings if your policy is issued 7 or more days prior to the effective date.

**Encompass Easy Pay®**: You can receive discounts for signing up for automatic payments or paying your premium in full before the due date.

– **Home Security System Discount**: Savings for homes equipped with security systems.

Customer Satisfaction and Financial Strength

Customer Satisfaction

Encompass Insurance generally receives positive customer satisfaction ratings:

– The company has high customer satisfaction ratings according to multiple sources.

– Encompass has an A+ rating from the Better Business Bureau (BBB).

– Encompass receives approximately 3.5 out of 5 stars from consumers on most review sites.

Financial Strength

Encompass Insurance demonstrates strong financial stability:

– The company has excellent financial strength ratings.

– Several rating agencies have given Encompass high marks:

  – A.M. Best: Excellent rating

  – Fitch: Excellent rating

Additional Points

– Encompass has a National Association of Insurance Commissioners (NAIC) complaint ratio of 0.42, which is lower than the national median of 1.0, indicating fewer complaints than average.

– The company is a subsidiary of Allstate Corporation, one of the largest insurance providers in the United States, which adds to its financial stability.

– Encompass is one of the country’s largest personal property and casualty insurance brands.

These ratings and financial strength indicators suggest that Encompass Insurance is a reliable and financially stable company, capable of meeting its claims obligations and providing dependable service to policyholders. The positive customer satisfaction ratings also indicate that many customers are pleased with the service and coverage they receive from Encompass.

Frequently Asked Questions (FAQs) about Encompass Insurance

FAQs about Encompass Insurance

Frequently Asked Questions (FAQs) about Encompass Insurance

What types of insurance does Encompass offer?
Encompass Insurance offers a variety of insurance products, including homeowners, auto, renters, umbrella, and flood insurance. They also provide options for bundling these policies for additional savings.
What is the EncompassOne Policy?
The EncompassOne Policy is a comprehensive package that combines home, auto, and additional coverages into a single policy with one premium and one deductible. This simplifies managing multiple policies and can result in cost savings.
How can I save money on my Encompass Insurance premiums?
Encompass offers several discounts, such as multi-policy discounts, safe driver discounts, home safety discounts, and more. Bundling home and auto insurance is another great way to save.
How do I file a claim with Encompass?
You can file a claim by calling 1-800-588-7400 for auto or home claims, or 1-800-340-3016 for catastrophe claims. You can also contact your independent agent for assistance.
Can I customize my insurance coverage with Encompass?
Yes, Encompass allows you to customize your coverage to fit your specific needs. You can choose from various coverage options and add endorsements to ensure you have the protection you need.
Does Encompass offer coverage in my state?
Encompass Insurance provides coverage in many states, including Arizona, Alabama, Florida, Georgia, New Mexico, New York, North Carolina, Oklahoma, Ohio, Texas, and Virginia. It's best to contact an independent agent at Blake Insurance Group to confirm availability in your specific area.
What should I do if I need to make changes to my policy?
If you need to make changes to your Encompass Insurance policy, you can contact your independent agent at Blake Insurance Group. They will assist you with updating your coverage, adding endorsements, or making any other necessary adjustments.
What is umbrella insurance, and do I need it?
Umbrella insurance provides additional liability coverage beyond the limits of your home and auto policies. It's especially useful if you have significant assets or risks that require extra protection. An independent agent can help you determine if umbrella insurance is right for you.
How do I get a quote for Encompass Insurance?
To get a quote for Encompass Insurance, contact Blake Insurance Group. An independent agent will gather the necessary information, assess your needs, and provide you with a personalized quote.

Blake Insurance Group

Phone: (888) 387-3687

Email: info@blakeinsurancegroup.com

Hours: Mon-Fri 9:00 am to 5:00 pm

Sat-Sun: Closed

Author Box
Blake Nwosu

Blake Nwosu

Owner & Principal Agent

Expertise: All personal and commercial line insurance, including auto, home, business, health, and life insurance.

License: 16117464

Bio Page: https://blakeinsurancegroup.com/blake-nwosu/