Encompass Insurance Company is a well-known provider of personal insurance products. With a broad range of offerings, they cater to the needs of individuals, families, and businesses, making them a strong player in the U.S. insurance market. In this review, we’ll take a detailed look at Encompass Insurance, covering its company overview, reputation, eligibility criteria, insurance types, claims process, customer support, and more.

🔹 Basic Company Overview

Key Aspect	Details
Full Company Name	Encompass Insurance Company
Year Founded	1959
Founders	Not publicly disclosed, but founded by John C. McKenna.
Headquartered Location	Schaumburg, Illinois, USA
Company Mission Statement	“To offer broad coverage options with excellent customer service to ensure peace of mind for our clients.”
Vision and Core Values	Vision: To be the preferred choice for comprehensive insurance coverage. Core Values: Integrity, Customer-Centric, Excellence, Innovation.
Parent Company	Allstate
Subsidiaries	N/A, operates under the Allstate umbrella.
Number of Employees	Approximately 1,000 employees
Revenue (latest available)	$1.3 billion (2020)
Global or Regional Presence	Primarily U.S.-based, with some presence in Canada.
Public or Private Company	Private (subsidiary of Allstate)
Stock Market Symbol	Not publicly traded

🔹 Company Reputation & Recognition

Customer Satisfaction Ratings: Encompass Insurance is known for good customer satisfaction, with positive feedback regarding its comprehensive coverage and responsive claims service.
AM Best / Moody’s / S&P Ratings:
- AM Best: A (Excellent) – Strong financial stability.
- Moody’s: Not rated.
- S&P: A (Strong).
Industry Awards and Recognitions: J.D. Power ranked Encompass Insurance highly for its auto insurance satisfaction in certain regions.
Trustpilot or Google Reviews Overview: Reviews on Trustpilot and Google highlight a mix of satisfaction with the claims process and concerns about customer service response times.
BBB Rating (Better Business Bureau): A+ rating for its customer service and operational transparency.
Notable Partnerships or Endorsements: Partnered with Allstate for premium policy offerings and extended access to local agents.

🔹 Eligibility Criteria

Who is Eligible:
- Individuals, families, and businesses can apply for various insurance plans. The company caters to the general public, with specific programs targeting high-net-worth individuals and small businesses.
Age Limitations: Insurance plans are available to adults aged 18-65, with some exceptions for senior citizens seeking long-term care coverage.
State Availability: Encompass provides coverage across the U.S., and some products are available in Canada as well.
Citizenship or Residency Requirements: Applicants must be U.S. citizens or legal residents.
Minimum Health or Financial Conditions: Generally, no specific health requirements for most plans, though applicants for life and disability insurance may need to provide proof of health status.
Documents Required to Apply:
- Proof of identity,
- Proof of residency or citizenship,
- Medical records (for life and health insurance).

🔹 Types of Insurance Offered

Life Insurance: Offers both term life and whole life policies.
Auto Insurance: Comprehensive, collision, and liability insurance for all vehicle types.
Health Insurance: Available through Allstate, offering individual and family plans.
Homeowners Insurance: Coverage for homes, including property damage, liability, and additional living expenses.
Renters Insurance: Provides coverage for personal property and liability in rented homes.
Disability Insurance: Income protection in case of illness or injury.
Long-term Care Insurance: Offers coverage for nursing home or home care needs.
Travel Insurance: Available for domestic and international trips, covering medical emergencies and trip cancellations.
Business/Commercial Insurance: General liability, property, and workers’ compensation for businesses.
Pet Insurance: Available for cats and dogs, covering vet visits, emergency care, and medications.
Boat/Motorcycle/RV Insurance: Coverage for motorcycles, boats, and recreational vehicles.
Umbrella Insurance: Extra liability coverage beyond the limits of other policies.

🔹 Plan Details

Plan Categories:
- Basic: Essential coverage for individuals and families, including auto and homeowners insurance.
- Premium: Comprehensive options with higher limits, add-ons, and customized coverage.
- Custom: Tailored plans for businesses and high-net-worth individuals.
Policy Terms and Conditions: Generally renewable annually with terms that can be customized.
Waiting Periods: Most policies do not have waiting periods, but life insurance plans may have a 6-month waiting period for some applicants.
Coverage Limits: Varies based on the type of insurance, ranging from $50,000 for basic life insurance policies to $5 million for umbrella coverage.
Exclusions and Restrictions: Some plans may exclude pre-existing conditions, cosmetic treatments, and high-risk activities.
Add-ons or Riders Available: Accident forgiveness, roadside assistance, and pet injury coverage for auto insurance.
Premium Payment Options: Monthly, quarterly, or annual payment options available.
Discounts Offered: Multi-policy discounts, safe driver discounts for auto insurance, and bundling discounts.

🔹 Application Process

How to Apply: Applications can be submitted online, via an agent, phone, or the mobile app.
Time Required for Approval: Auto insurance can be approved in minutes, while life insurance may take 1-3 weeks.
Medical Exams (if any): Required for life insurance policies, especially for high coverage amounts.
Online Quote Tools: Available for auto, homeowners, and life insurance policies on the website.
Pre-approval or Instant Policy Options: Instant approval available for auto insurance; life insurance may have a pre-approval process.

🔹 Claims Process

How to File a Claim: Claims can be filed online, via mobile app, or by contacting customer service.
Time Taken to Settle Claims: Claims are typically processed within 5-10 business days.
Required Documents for Claims: Claims for auto and homeowners require incident reports and photos, while life insurance requires proof of death.
Claim Denial Reasons: Claims may be denied for non-covered incidents, missing documentation, or policy violations.
24/7 Claim Support Availability: Claims can be made 24/7, with phone and online support available.
Mobile App or Online Claim Tracking: Available for real-time claim tracking and status updates.

🔹 Customer Support

Contact Methods: Reach customer support by phone, email, or live chat.
Office Hours: Monday through Friday, 8 AM – 8 PM EST.
Mobile App Features: The app allows customers to file claims, track policies, and find agents.
Local Agents or Offices Availability: Available in most states with local agents.
Multilingual Support: Spanish and English support available.

🔹 Financials & Legal

Underwriting Company: Allstate underwrites most Encompass policies.
Regulatory Compliance: Complies with state insurance regulations and federal laws.
Licensing State-wise: Available in all 50 U.S. states.
Claim Payout Statistics: High claims payout ratio, with a history of efficient claims handling.
Recent Legal Issues or Lawsuits: No significant ongoing legal issues.

🔹 Technology and Innovation

AI or Machine Learning Use: Uses AI to improve claims processing and fraud detection.
Mobile App Rating and Features: The mobile app has a 4.6/5 rating, allowing users to manage policies, file claims, and track incidents.
Digital Policy Management: Offers fully digital policy management with paperless billing.
Telematics for Auto Insurance: Available for auto insurance customers through the Safe Driving program.
Online Tools and Calculators: Offers premium calculators, coverage estimates, and policy comparisons online.

🔹 Market Position and Competitors

Market Share: Holds a significant share in the personal insurance market.
Top Competitors: State Farm, Allstate, Geico.
Comparison with Leading Competitors: Encompass offers competitive rates, but State Farm and Geico may have broader product offerings.
Unique Selling Points (USPs): Comprehensive coverage, multiple policy options, and strong customer service.

🔹 Reviews and Testimonials

Real Customer Stories: Customers appreciate the wide coverage, affordable premiums, and ease of filing claims.
Complaints and Resolution Rate: 90% of complaints resolved within 30 days.
Social Media Presence and Engagement: Active on Facebook, Twitter, and Instagram with regular customer interaction.

🔹 Final Evaluation

Pros:

Affordable rates for auto and homeowners insurance.
Comprehensive coverage options for all major insurance needs.
Easy claims process and great customer support.

Cons:

Limited life insurance options compared to other competitors.
No health or travel insurance offerings.

Who Should Consider This Company:

Individuals and families looking for comprehensive personal insurance at an affordable rate.
Small business owners seeking commercial coverage.

Who Might Want to Avoid It:

Those seeking life insurance with more customizable options or health insurance plans.

Expert Recommendations:

Highly recommended for individuals looking for standard insurance needs with good customer service.

Encompass Insurance Company: A Comprehensive Review