Shannon Martin is a licensed insurance agent and Bankrate analyst with over 15 years of experience in the industry. She enjoys helping others navigate the insurance world by cutting through complex jargon and empowering readers to make strong financial decisions independently.
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At a glance
3.7
Rating: 3.7 stars out of 5
Bankrate Score
Score breakdown
Auto
Rating: 3.4 stars out of 5
3.4
Cost & ratings
Rating: 3.4 stars out of 5
3.4
Coverage
Rating: 4 stars out of 5
4.0
Support
Rating: 2.4 stars out of 5
2.4
Home
Rating: 4 stars out of 5
4.0
Cost & ratings
Rating: 4.25 stars out of 5
4.3
Coverage
Rating: 3.67 stars out of 5
3.7
Support
Rating: 4 stars out of 5
4.0
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
About Bankrate Score
Bankrate's take
Policyholders looking for a packaged policy with tiered coverage options and a single policy deductible and premium might consider Encompass.
Offers plans that combine auto and home policies into a single premium and deductible
Does not have nationwide availability
Both auto and home policies have a variety of endorsement options
Limited app and online capabilities
Auto
Avg. annual premium for full coverage
$3,052
Avg. annual premium for min coverage
$1,137
Home
Avg. annual premium for $300k dwelling coverage
$2,476
Encompass car insurance review
Bankrate's insurance editorial team, which includes licensed agents with decades of industry experience, took a close look at Encompass Insurance to help you make the best decision for your own car insurance. The company earned a Bankrate Score of 3.4 out of 5 for its vehicle coverage options.
Although Encompass isn't ranked by J.D. Power and has mixed reviews from customers online, the company could be a good choice if you want to keep your insurance needs simple and pay one deductible for both home and car insurance — something that not all insurers offer. The company's EncompassOne Policy comes with several potential levels, allowing you to customize your coverage to suit your needs.
Encompass offers a range of coverage options and discounts that may appeal to some individuals. These include endorsements such as new car replacement and gap coverage. Upgrading to the company's Elite auto coverage will give you enhanced accident forgiveness, which can be used for multiple at-fault accidents.
Pros and cons of Encompass car insurance
As with any car insurance company, there are pros and cons to consider when choosing a carrier. Weigh the following pros and cons of Encompass Insurance car insurance to help you decide if this carrier might be the right fit for you.
Pros
Multiple ways to customize coverage
EncompassOne policy enhances optional coverages
Roadside assistance app available 24/7
Multiple discounts available
Cons
No quotes available online
Not available nationwide
No online claims filing
Encompass car insurance cost
The average cost of Encompass car insurance is $1,137 per year for minimum coverage and $3,052 for full coverage. The average cost of car insurance in the United States is $807 per year for full coverage insurance and $807 per year for minimum coverage, though your rates may vary depending on where you live, the type of car you drive and more. You can use the agent locator tool on the Encompass website to find a local agent to get a quote for Encompass car insurance.
How much is Encompass car insurance?
Your driving history can have a significant impact on how much you pay for car insurance. For instance, having a speeding ticket or an at-fault accident on your record may prevent you from getting the cheapest car insurance rates. Keep in mind, if the incident was recent, it may not immediately show on your motor vehicle record, which could impact your rates when the policy is issued or at the next renewal. Not all carriers offer policies to new customers with a DUI on their record. If you have a DUI or new driving activity, contact an Encompass agent for more information and quotes specific to your driving history.
In most states, age and driving experience can heavily influence the cost of your auto insurance. Teen drivers tend to pay the most for car insurance as they have less driving experience behind the wheel than older age groups. However, teens and inexperienced drivers can save the most money by staying on their parents' policy for as long as possible. While parents will likely see a premium increase when a new driver is added to their existing policy, mom or dad's driving experience and age factors will help keep that overall cost associated with the new driver much lower than if they were listed on their own policy.
*All rates displayed are average annual rates. Rates are based on our good driver profile, with 16- and 18-year-old drivers added to their parents’ policy.
Insurance rates between carriers can vary for multiple reasons. Depending on each carrier's business model, some rating factors, such as driving experience and vehicle type, can weigh more heavily on premiums for one company than another. This is why shopping coverage with multiple carriers can help you find a rate suited to your driving characteristics. Here is how rates from Encompass stack up when compared to other carriers.
One way to determine if the company is a good fit is to take a look at third-party Encompass Insurance reviews. These scores and ratings use real, current and prospective consumers' experiences to show how an insurance company compares to competitors. Unfortunately, because Encompass is a smaller company, it is not rated by J.D. Power. Its rating with AM Best for financial strength, however, is high, indicating a company that has historically met its claims obligations.
Encompass auto insurance customer complaints
The National Association of Insurance Commissioners (NAIC) complaint index for Encompass's private passenger auto insurance policies has been above average for the last two years, although it may be worth noting that the 2.97 rating it received in 2023 is only the equivalent of 24 complaints. Since the National Complaint Index is 1.00, Encompass does have a higher-than-average complaint index. You may want to talk with family or friends who use Encompass car insurance to learn more about their experiences.
NAIC Complaint Index for auto insurance
Line chart with 3 data points.
The chart has 1 X axis displaying Year. Data ranges from 2021-01-01 00:00:00 to 2023-01-01 00:00:00.
The chart has 1 Y axis displaying Score. Data ranges from 1.58 to 2.33.
End of interactive chart.
Encompass car insurance discounts
Encompass Insurance gives its policyholders a variety of discounts and ways to save. The company might offer discounts for setting up automatic payments, maintaining good grades, paying the premium in full, having safety features and more. In addition to these standard discounts, Encompass also offers the following car insurance discounts:
Safe driving bonus: You may be eligible to receive up to 5 percent off your next renewal premium if all drivers listed on the policy remained free of at-fault accidents for the prior 12-month period.
Defensive driver discount: Drivers in certain states who complete approved defensive driving courses may receive a discount on their auto insurance policy.
Driver training discount: Drivers under 21 who complete a training course and several hours of driving time may be eligible to receive a discount.
Resident student discount: If your young adult student lives at school at least 100 miles away from home and doesn't have a vehicle with them, you could get a discount on your auto policy.
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Get personalized auto insurance quotes
Answering a few quick questions to check your availability with Encompass
Get personalized auto insurance quotes
Answering a few quick questions to check your availability with Encompass
Your information is kept secure5 digit Zip code is required
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Encompass home insurance review
After reviewing Encompass home insurance, we’ve issued this product a Bankrate Score of 3.7 out of 5.0. While the company does offer more homeowners discounts compared to some other competitors, its overall average base premiums are higher than average. Additionally, the company does not offer online claims filing, which some homeowners may find inconvenient.
Like its car insurance policies, the EncompassOne policy for homeowners insurance also comes in three tiers: Special, Deluxe and Elite. There are unique policy features for each tier, along with discounts and policy limits. For example, the Elite and Deluxe homeowners tiers come with 200 percent extended dwelling coverage. Some other customizable options include water backup protection, mortgage rate protection if your mortgage is affected due to a covered total loss, and computer and data recovery coverage.
With Encompass, you can also customize your home policy with add-ons like enhanced replacement cost coverage, which will pay to rebuild your home after a covered loss, even if the cost is higher than the insured amount. Encompass also offers mortgage rate protection. If you must get a new mortgage after a total loss and the interest rate is higher than your previous rate, Encompass will cover up to $20,000 in increased costs for acquisition fees, closing costs and other fees.
Pros and cons of Encompass Insurance homeowners insurance
Whether you’re a new homebuyer or simply looking for cheaper rates, comparing home insurance quotes can seem intimidating. However, making a list of the pros and cons can help you choose the best home insurance company for your situation and needs.
Pros
EncompassOne policy tiers come with different benefits and features
Standalone homeowners policy has several add-on coverage options available
Numerous discount opportunities
Cons
No online claims filing
No online quotes
Average rates are higher than national average
Encompass home insurance cost
The average cost of home insurance from Encompass Insurance is $2,476 for $300,000 in dwelling coverage, but will likely vary based on your ZIP code, age and condition of the home and coverage needs. The average cost of homeowners insurance nationwide is $2,466 per year for a policy with the same level of coverage. If you want to get a homeowners insurance quote from Encompass, you will need to speak with an Encompass insurance agent, as there is no option to get a quote online.
$150K dwelling
Encompass average premium
$1,551
National average premium
$1,512
$300K dwelling
Encompass average premium
$2,476
National average premium
$2,466
$350K dwelling
Encompass average premium
$2,750
National average premium
$2,769
$450K dwelling
Encompass average premium
$3,351
National average premium
$3,354
$750K dwelling
Encompass average premium
$4,985
National average premium
$5,128
Compare Encompass homeowners insurance rates
Aside from location, state laws, rebuild cost, square footage and several other factors impact how much your home insurance premium is with one company versus another. The convenience of having auto and home billed together may outweigh the cost for some policyholders. Here is how Encompass home insurance rates compare with other providers.
As is true for Encompass's auto insurance, the company's home insurance claims and customer service satisfaction are not scored by J.D. Power. While it has a broad range of availability, it is not a national carrier, which is where J.D. Power tends to focus its ratings. Note that a lack of rating by J.D. Power is not a positive or negative indication of the quality of Encompass's service. However, Encompass’s AM Best financial strength rating of A+ (Superior) shows that it should be able to honor its financial obligations during a loss.
Encompass home insurance customer complaints
In the past, Encompass has struggled with managing customer expectations with its homeowner policies but seems to be improving. In two of the last three years, it has scored below average for complaints, meaning that policyholders filed fewer complaints against the company than the industry average. In 2023, Encompass only had one complaint filed with NAIC and its score now shows less than the average number of complaints for a company of its size.
NAIC Complaint Index home insurance product
Line chart with 3 data points.
The chart has 1 X axis displaying Year. Data ranges from 2021-01-01 00:00:00 to 2023-01-01 00:00:00.
The chart has 1 Y axis displaying Score. Data ranges from 0.4 to 1.9.
End of interactive chart.
Encompass Insurance home insurance discounts
Encompass Insurance offers a few different homeowners insurance discounts you might be eligible for, including:
Renovation discount: Recent updates made within the last 10 years to a home system, including heating, cooling, plumbing and roofing, could qualify you for this discount.
Homebuyer discount: If you purchased a home in the last five years that is less than 49 years old, this discount could be added to your policy
Protection devices discount: A credit could be applied to your homeowners insurance policy if you have a fire or burglar alarm, fire extinguisher or another safety device
Dwelling age discount: You may get a discount if your home is 20 years old or newer.
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Get personalized home insurance quotes
Answering a few quick questions to check your availability with Encompass
Your information is kept secure5 digit Zip code is required
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Compare Encompass with other insurers
If you’re still unsure if Encompass Insurance is right for you, there are alternatives to consider.
Featured
Encompass
Rating: 3.7 stars out of 5
3.7
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
As Encompass’ parent company, Allstate Insurance offers the same insurance products, but does not have a bundle policy with a single deduction and premium like Encompass. However, safe drivers may be able to save more with Allstate through DriveWise, its telematics program.
Progressive is a national carrier that offers similar insurance products to Encompass but it does not have the single policy option. Progressive may be a good fit for people with insurance needs that Encompass does not provide for or in states where Encompass does not offer coverage.
The insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for a policy.
78
years of industry experience
9
licensed staff
34.5K
ZIP codes examined
120
carriers reviewed
Is Encompass Insurance a good insurance company?
Bankrate established itself as a trusted voice in the financial services space as a print publication in 1976. At that time, we were called the Bank Rate Monitor. We've evolved over the decades and now help millions of readers make sound decisions regarding their mortgages, investments and insurance, among other important topics. Members of our insurance editorial staff are licensed agents, and we use our real-life industry knowledge to conduct extensive company reviews each year.
Encompass may be a good insurance company to consider if it’s available in your state. However, it has limited third-party customer reviews and scores, which can make it more challenging to determine whether the carrier will meet your needs. Encompass offers numerous insurance products, and its EncompassOne policy may be an attractive and affordable option for some. However, it has higher-than-average complaints with the NAIC compared to the industry average.
What are real-life customers saying about Encompass?
With a company like Encompass that doesn’t have J.D. Power ratings, finding reviews from current policyholders can be vital when deciding what insurance company to trust with your most valuable assets. Bankrate reviewed multiple review sites and social media platforms so we can provide you with accurate and updated information in a condensed manner.
Possibly because Allstate purchased Encompass and there are currently undergoing internal changes throughout the company, there aren’t many reviews available for Encompass dated within the past couple of years. Reviews on Yelp show that customers are very unhappy with the claims and customer service they are receiving, with a significant focus on lack of communication and claim payout amounts. However, reviews dated before 2018 reflect a much better experience.
Trustpilot only has one review for Encompass and that one, too, points to a lack of communication and quality of customer service as a major sticking point. Users on Reddit are mostly concerned with the future of Encompass and if the rebranding of the company will impact availability. In this situation, picking up the phone and speaking directly to an Encompass agent may give you the most realistic impression of what doing business with this company is like.
Encompass company details
If you would like to speak to Encompass about starting a new policy or have questions about an existing policy, here is the most pertinent contact information that you will need:
To purchase a new policy, find a local agent by using Encompass’s online agent locator
To file a claim, call 1-800-588-7400
Website: encompassinsurance.com
For general correspondence, send mail to 2775 Sanders Rd Northbrook, Illinois 60062-6110
State availability
Encompass is available in all states except the following: AK, FL, HI, MA, MS, MT, NC, ND, SD and WY
Encompass Insurance tools and benefits
Encompass offers a few other insurance products in addition to home and auto insurance, as well as some perks that may appeal to policyholders. These include:
Condominium insurance: Condominium owners need a different type of insurance policy, and this policy is tailored specifically for their unit, belongings and liability risk.
Renters insurance: As a renter, this policy type provides coverage for your personal belongings, liability and loss of use.
Personal umbrella policy: With a personal umbrella policy, you can extend the liability coverage of your home and car insurance to further protect your financial assets.
Identity theft protection: This coverage option could pay up to $20,000 for recovering damages and fees if your identity is stolen.
Lifestyle endorsement: This unusual endorsement extends your coverage in several ways, including coverage for alternative education or care if a dependent's school is closed as a result of a covered loss and coverage against theft while traveling.
Home business insurance: Covers liability, medical expenses and more for a home-based business.
Auto policy extras: The Deluxe policy includes free windshield repairs, first-time accident forgiveness and electronic equipment coverage. The Elite package offers unlimited accident forgiveness, auto trip interruption, roadside assistance, company car protection and other features of the Deluxe plan.
Frequently asked questions about Encompass
If you wish to file a claim with Encompass Insurance, you can do so through your independent agent or by calling Encompass directly. Here are the steps to take to file an Encompass Insurance claim:
Contact Encompass at 1-800-588-7400.
Get assigned a claim number for tracking purposes.
Wait for a claims team member to reach out to you, who will provide details about the claim and answer any questions you have.
Get assigned an adjuster, who will evaluate damages and provide an estimate for repairs.
Once the adjuster has provided the estimate, you will speak with the claims team to discuss the next steps and settlement options you have available, according to your policy coverage and terms.
Encompass Insurance does not provide information on its corporate sustainability efforts. The carrier is a subsidiary of Allstate Insurance Company, which introduced the Encompass name in 2000 after purchasing CNA’s personal lines insurance business.
In 2021, the Allstate Foundation invested over $44 million and more than 92,000 volunteer hours, along with employees and agents. The foundation focuses on empowering youth, breaking relationship abuse cycles, advancing racial equity and accelerating the impact and growth of nonprofits and community leaders. Allstate provided over $6 million in nonprofit corporate support in 2021.
No, Encompass is a subsidiary of Allstate. The original company that became Encompass in 2000 was established in 1897 and offered personal lines of insurance through CNA Insurance. When Allstate bought it from CNA in 1999 and became the parent company, it renamed the company Encompass.
No, Encompass and National General are not the same company, although they’re both owned by Allstate. In 2021, Allstate acquired National General, adding it under its umbrella along with Encompass. As of 2023, according to the National Association of Insurance Commissioners, Allstate was ranked the fourth-largest insurance provider in the U.S.
Methodology
Rates
Bankrate utilizes Quadrant Information Services to analyze July 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:
40 year old
Single male and female driver
2023 Toyota Camry
Primary vehicle
Good credit score
Clean driving record
Commutes 5 days
Bodily injury liability
$100,000 per person
$300,000 per accident
Property damage liability
$50,000 per accident
Personal injury protection
$100,000 per accident
Uninsured motorist bodily injury
$100,000 per person
$300,000 per accident
Collision deductible
$500
Comprehensive deductible
$500
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following driver characteristics:
Other profiles
Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.
Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.
Rates were calculated by evaluating our base profile with the ages 18-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.
Bankrate Score
Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
50% Cost & ratings
50% Cost & ratings
30% Coverage & savings
30% Coverage & savings
20% Support
20% Support
Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
Rates
Bankrate utilizes Quadrant Information Services to analyze July 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates for our base profile are based on the following characteristics and coverage limits:
40 year old
Married male and female homeowners
2017 build year
Primary home
Good credit score
Clean claim history
Dwelling coverage
$300,000
Other structures coverage
$30,000
Personal property coverage
$150,000
Loss of use coverage
$60,000
Liability coverage
$500,000
Medical payment coverage
$1,000
The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.
These are sample rates and should be used for comparative purposes only. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following homeowner characteristics:
Dwelling coverage:
Coverage A, Dwelling: $150,000, $350,000, $450,000, $750,000
Coverage B, Other Structures: $15,000, $35,000, $45,000, $75,000
Coverage C, Personal Property: $75,000, $175,000, $225,000, $375,000
Coverage D, Loss of Use: $30,000, $70,000, $90,000, $150,000
Coverage E, Liability: $500,000
Coverage F, Medical Payments: $1,000
Rates were calculated based on the following insurance credit tiers assigned to our homeowners: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. The following states do not allow credit to be a factor in determining home insurance rates: California, Maryland, Massachusetts.
Rates were calculated based on the following insurance claims assigned to our homeowners: “fire ($80,000 in losses), liability ($31,000 in losses), theft ($5,000 in losses) and wind ($12,000 in losses).”
Rates were calculated based on the following build years for homes and assigned to our homeowners: 1959, 1982, 1992, 2010, 2017 (base) and 2020.
Rates were calculated based on the following deductible amounts: $1,000 (base), $1,500, $2,000 and $5,000.
Bankrate Score
Our 2025 Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
50% Cost & ratings
50% Cost & ratings
30% Coverage & savings
30% Coverage & savings
20% Support
20% Support
Tier 1 (Cost & ratings): To determine how well home insurance companies satisfy these priorities, our team analyzed average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
Tier 3 (Support): To encompass the many ways a home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
What policyholders are saying about Encompass
Encompass has 50 reviews
Dive into community reviews below and see what others think about Encompass.
4.1
50
ratings
Star ranking and total number reflects the lifetime customer reviews received while this lender has been an advertiser on Bankrate.
To help serve you with relevant information, the customer reviews shown are limited to only those that this advertiser has received during the past 12 months.
78% of policyholdersrecommend this insurer
Score breakdown
5 stars
42%
4 stars
36%
3 stars
14%
2 stars
4%
1 star
4%
Score by category
Overall rating4.1 / 5
Original cost3.8 / 5
Coverage4.1 / 5
Customer support4.0 / 5
How we got these ratings
In collaboration with market research firm SliceMR, Bankrate surveyed over 3,000 insurance customers nationwide from 2024–2025, asking policyholders to rate their insurer's cost, coverage, customer support and overall experience on a five-point scale. Bankrate and SliceMR collected and analyzed these customer ratings, along with website analytics and responses to three open-ended questions regarding customer experience. Responses are based on individual policyholders' policy details and personal experience, and therefore cannot be verified for accuracy. Users received an incentive for their feedback. All ratings are unedited and have not been reviewed or approved by insurance carriers. User-generated ratings are separate from carrier Bankrate Scores — which are calculated based on our proprietary methodology — and may not match.
Policyholder Reviews
See what users like you are saying about Encompass.
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
I compared on all levels and they ended up on top.
Insurance Type
Auto + Home
Score by category
Original cost4/ 5
Customer support5/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
I did some research and read reviews and I decided that it was good for me. I called the company for quotes and then I got the insurance.
Insurance Type
Auto
Score by category
Original cost5/ 5
Customer support5/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Good customer service for staying, higher rates for switching
Insurance Type
Auto
Score by category
Original cost3/ 5
Customer support2/ 5
Coverage2/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
It’s a great company and always supports me. What I want, questions I have, it does it all.
Insurance Type
Home
Score by category
Original cost3/ 5
Customer support4/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
Good price and seemed trustworthy at the time
Insurance Type
Home
Score by category
Original cost2/ 5
Customer support1/ 5
Coverage1/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
They were the most affordable when I was looking for an insurer
Insurance Type
Auto + Home
Score by category
Original cost3/ 5
Customer support3/ 5
Coverage3/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
I feel like my car is really safe with them
Insurance Type
Auto
Score by category
Original cost5/ 5
Customer support2/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
I would stay with them because of the prices and customer service. They are top notch when it comes to that.
Insurance Type
Auto + Home
Score by category
Original cost4/ 5
Customer support5/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
I do not have direct contact with Encompass. My agent has done everything. They had the best rates I could find. They did not cover a crash that was not my daughter’s fault, but I blame my agent. I wish Encompass had their own agents that know the products and systems well..
Insurance Type
Home
Score by category
Original cost4/ 5
Customer support3/ 5
Coverage2/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
I chose this option because it was very affordable and something that I trusted whereas in other places it wasn't affordable to keep up.
Shannon Martin is a licensed insurance agent and Bankrate analyst with over 15 years of experience in the industry. She enjoys helping others navigate the insurance world by cutting through complex jargon and empowering readers to make strong financial decisions independently.
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