Encompass Homeowners Insurance Company Reviews & Ratings
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Date: December 18, 2019 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Premium
My premium and deductible are not as low as mine were with my old insurance company, but are lower than almost all other companies' offerings for the coverage I want. I feel it should still be lower though.
Date: December 18, 2019 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Policy Offerings
I am happy with my home insurance policy. It is pretty standard and compares well with other companies' available policies. It has good overall coverage but I would argue that it is nothing above and beyond special.
Date: July 01, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Customer Service
I always call my local home office when dealing with my home owners insurance. I've been with this company for a long time and like knowing I can call and get a live person in the office.
Date: July 01, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Policy Offerings
The biggest offering I notice compared to other insurance providers is that I get a person right away when I call during the business hours. I'm not on hold, waiting forever.
Date: June 25, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Premium
We went with encompassing for their highly. competitive rates. We are very satisfied with what our premiums are.
Date: March 26, 2019 Age: >60 years Gender: Female Marital Status: Married
Policy Offerings
Damage to the dwelling, contents if destroyed, loss of use, medical payments of others while on the property, rider to cover tractors, instruments, and office equipment, rider to cover golf cart
Date: March 21, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Policy Offerings
All items. inside the home, outside the home, and garage are covered with our insurance.
Date: March 17, 2019 Age: >60 years Gender: Female Marital Status: Married
Communication
I work through an independent agent. She is wonderful. She explains everything very well, and I believe she has our best interests in mind. She is always available either by email or phone.
Date: March 14, 2019 Age: >60 years Gender: Female Marital Status: Married
Premium
The premium was almost half that of State Farm. All State would not even cover because we have a cedar shingle roof. In addition, State Farm was going to require that we build extra steps off our deck.
Date: March 08, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Policy Offerings
They offer very good policy offerings. We switched recently because our previous insurance company kept raising their prices. When we complared the two we realized we could get similar coverage for less.
Date: March 06, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Premium
The deductible is very reasonable. In fact it was one of the lowest we found when shopping around for insurance.
Date: March 06, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Customer Service
the customer servcie has been good. We haven't had this company for long, but the one time I had to call them for something they were very helpful.
Date: February 04, 2019 Age: 50 to 59 Gender: Male Marital Status: Married
Premium
No other company that I have gotten quotes from comes close to what is offered and the price that I pay for what I have.
Date: February 04, 2019 Age: 50 to 59 Gender: Male Marital Status: Married
Policy Offerings
i have checked into other companies and non come close to mine. The contractor that worked on my house said that we have the Cadillac of insurance and that they were very easy to deal with.
Date: February 04, 2019 Age: 50 to 59 Gender: Male Marital Status: Married
Customer Service
the first time in 40 years that I had a claim on my homeowners insurance was a very pleasant experience. The customer service that I had was top notch and would recommend my company to anyone.
Date: January 07, 2019 Age: 50 to 59 Gender: Female Marital Status: Married
Premium
The premiums we pay are less than the competition. As I said, we run numbers annually to see if they are still the best price and they have been for the last 5 or so years. Would I like to pay less for a premium? Of course.
Date: January 03, 2019 Age: Above 60 Gender: Female Marital Status: Married
Customer Service
I have actually not spoken with the company's customer service department. But all communication that I have received through the mail seems to be professional and complete and prompt.
Date: December 27, 2018 Age: 50 to 59 Gender: Female Marital Status: Married
Policy Offerings
Completely satisfied. We go through a broker and I have him run the numbers annually to see if any other company offers better rates for the same or better coverage. No one else is ever comparable.
Date: December 27, 2018 Age: 50 to 59 Gender: Female Marital Status: Married
Customer Service
I haven't had to deal directly with my home insurance company's customer service department. I have had no claims. I dealt with an independent agent who found Encompass for us, and she has answered all of our questions. She has been fantastic. She has answered all our phone calls and emails very promptly.
Date: December 27, 2018 Age: 50 to 59 Gender: Female Marital Status: Married
Customer Service
We had a flood and the customer service team was responsive, timely, and answered all of our questions. I was updated and given information on what we needed to do and how the process would work.
Date: December 26, 2018 Age: 50 to 59 Gender: Female Marital Status: Married
Policy Offerings
I believe that Encompass's home insurance company policy offerings were the same as the other companies that we compared, in terms of coverage and limits. They were much superior to the others in price. Some of the companies would not insure our home because it has a cedar shake roof, but Encompass did.
Date: December 21, 2018 Age: 50 to 59 Gender: Female Marital Status: Married
Premium
The Encompass home insurance policy premium was about half that of the other companies. We paid it all at once without monthly installments, and were given a discount because of this. The policy that we chose used the same deductible as the other companies we were comparing it with, and still came under them. We will monitor the premium year-to-year, and if it increases too much, we will have our independent agent do another search.
Date: November 17, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Policy Offerings
I think our company offers great coverage. Our policy is comprehensive and we are fully covered should the house ever be damaged or ruined. I am also very pleased with the offerings in relation to our monthly cost.
Date: November 16, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Premium
Our premium and deductible are very reasonable and while the pricing fluctuates, we have had several years where our cost has gone down.
Date: November 16, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Premium
We shopped around (used an insurance broker) so I feel like we got the best coverage for the price.
Date: November 16, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Customer Service
I would rate it at a #4. We are pleased with the amount of coverage we have for the price and have never had any issues when contacting our agent or making a claim. We have never had to make a significant claim but they are friendly and helpful and there have never been any hiccups with our escrow account paying the,.
Date: November 16, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Policy Offerings
Our home owner's policy includes identity theft, enough to replace our home if a major accident occurred, and even pays for hotel stays in case of an emergency.
Date: November 16, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Customer Service
I would give our home owner's insurance a 5, because we have had to file 3-4 claims in the last 6 years, and they have been wonderful. They return calls quickly, follow-up after a claim has been made, and give us direct contact information.
Date: October 05, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Communication
We do minimal communication with the company most of the time but they send out a timely renewal packet with tons of info and I am pleased every time I need to call them
I have been working with an independent agent, so I have not actually talked with Encompass' customer service department. My independent agent has been extremely responsive on any question I have had. She is always readily available, either by phone or by email.
Date: September 26, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Premium
The premium with Encompass is very competitive. I've shopped around and compared quotes from several other companies and found that Encompass provides the best coverage and value for the premium. Most other companies offered much less coverage for a higher premium.
Date: September 26, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Website/App
I wish the website was a little more user-friendly. Hard to find the ample information needed compared to other sites.
Date: September 25, 2018 Age: Above 60 Gender: Male Marital Status: Married
Policy Offerings
Our home is covered for 125% of it's value plus everything within it. It includes jewelry, our separate garage, grounds and rebuilding the home.
Date: September 21, 2018 Age: 40 to 49 Gender: Male Marital Status: Unmarried
Website/App
The company I use is a local insurance company in a rural area and they do not have an app or a website.
Date: September 21, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Policy Offerings
Our dwelling, including attached structures, are covered under our policy. Our auto is bundled as well.
Date: September 21, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Policy Offerings
The policy covers damage up to 100% destruction of the building and associated structures (shed). The policy limit is high enough to cover 2018 estimated full rebuild costs for the covered structures.
Date: September 20, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Website/App
Website can be more user friendly. Even though it has improved, I still find it hard to find what I need.
The premium was almost half that of State Farm. All State would not even cover because we have a cedar shingle roof. In addition, State Farm was going to require that we build extra steps off our deck.
Date: September 18, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Website/App
I have actually not visited my home insurance company's website. I have only read their declarations of the cover page and the actual policy that was printed and sent to me.
Date: September 14, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Customer Service
I have actually not spoken with the company's customer service department. But all communication that I have received through the mail seems to be professional and complete and prompt.
Date: September 13, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Policy Offerings
Wind damage is covered. Hail damage is covered. Flood is not covered. Theft of property is covered. Fire is covered. Vandalism is covered.
Date: September 11, 2018 Age: 40 to 49 Gender: Female Marital Status: Unmarried
Customer Service
When we had roof damage from a tornado and then a hail storm, they sent someone out in a reasonable amount of time to help us through the process of getting a new roof. That's the only time we've had to deal with them.
Date: September 05, 2018 Age: Above 60 Gender: Male Marital Status: Unmarried
Premium
I researched other insurance companies in my area and Encompass Insurance
quoted me the lowest premium for my home.
Date: September 04, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Premium
Our insurance premium is a good value and we receive a discount because we have bundled our auto insurance with the same company. I recently reviewed another company's rates who were slightly higher with less of a blanket coverage.
Date: August 28, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Premium
When we first bought the house we had a couple of quote from other companies. Encompass was about half the price as State Farm, which had always covered our previous home and cars. State Farm was also going to require us to make some repairs before covering, which Encompass did not require.
Date: August 25, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Premium
The coverage offered by Encompass was about half the quote given to me by State Farm. State Farm was going to require some repairs to my deck before insuring also. Encompass did not. Also, many companies would not even give me a quote since I have a cedar shake roof.
Date: August 22, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Policy Offerings
All items. inside the home, outside the home, and garage are covered with our insurance.
Date: August 21, 2018 Age: 50 to 59 Gender: Male Marital Status: Married
Policy Offerings
Everything is covered except for flood damage and wild animals damaging my home. I am very pleased with my coverage
Date: August 17, 2018 Age: 40 to 49 Gender: Female Marital Status: Unmarried
Premium
I feel our premium is highly competitive compared to competitors in the insurance field. That is one of the reasons we chose them
Date: August 13, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Website/App
The website is easy to navigate, and it has contact information that I can easily access if I have a claim. It is a way for me to see my coverage without having to save a paper copy. It seems to be a secure site.
Date: August 12, 2018 Age: 40 to 49 Gender: Female Marital Status: Unmarried
Communication
I work through an independent agent. She is wonderful. She explains everything very well, and I believe she has our best interests in mind. She is always available either by email or phone.
Date: August 11, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Customer Service
There is little I dislike about this company. I would refer encompass to all my family and friends.
Date: August 11, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Customer Service
Overall, I've been satisfied with the customer service provided by Encompass. My interactions have primarily been with agents discussing my policy coverage and options for renewal each year, but the agents have been very helpful, and I'm confident I'm receiving excellent coverage.
Date: August 05, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Website/App
The company does not have a mobile app (that I'm aware of) which is a slight negative. However, their website is easy to navigate and provides links to all the information that I need to submit claims or contact an agent for assistance.
Date: August 02, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Policy Offerings
We have coverage on the dwelling, dwelling extension, personal property and loss of use. We also have Personal Liability coverage and Damage to Property of Others. We have Medical Payments to Others.
Date: July 29, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Policy Offerings
The dwelling at 200% of the estimated value, additional living expenses/fair rental value, identity fraud expense coverage,limited fungi, wet or dry rot, personal liability, medical expenses
Date: July 29, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Customer Service
I enjoy going into the office to pay my bill. The feel of a local office with people you can trust is great.
Date: July 27, 2018 Age: 40 to 49 Gender: Female Marital Status: Unmarried
Customer Service
I worked with an independent agent in securing my policy. She is always quick to respond to my emails or phone calls. I feel like I have someone who can help me handle any problems that might arise. I have not had to deal with Encompass customer service directly as of yet.
Date: July 26, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Premium
We hire a company to find us the best rates and premiums for our insurance, auto and house. They have shown us Encompass is the cheapest and has the best premiums compared to other insurances in our area. We have them check every year.
Date: June 03, 2018 Age: Above 60 Gender: Female Marital Status: Married
Communication
I have worked with my independent agent thus far. She has been my go between. I have received paper copies from Encompass outlining my coverage, etc. So I believe everything is ok on that end. I have not had to file a claim yet. I suppose that would be the true test.
Date: May 28, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Communication
I only communicated for auto which I have through the same company. The adjuster was very professional and helpful in ensuring everything was taken care of in a timely manner.
Date: May 26, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Customer Service
We go through a broker but I am very pleased with his responsiveness and his ability to answer even my smallest questions. Havent had to file a claim in a while but when I did and spoke with the company directly, they were very helpful
Date: May 12, 2018 Age: 50 to 59 Gender: Female Marital Status: Married
Premium
We went with encompassing for their highly. competitive rates. We are very satisfied with what our premiums are.
Date: May 06, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Customer Service
We have used the company for auto claims and have been impressed with their responsiveness. I slightly question them looking out for our best interest, but I would recommend them.
Date: January 23, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Communication
I like that the company sends a hard copy of my insurance policy by mail well in advance of my policy renewal. This gives me time to review the terms of the updated policy and make any adjustments prior to renewal. I dislike that they don't have my policy available electronically for my review in case I lose the hard copy.
Date: January 17, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Policy Offerings
Damage to the dwelling, contents if destroyed, loss of use, medical payments of others while on the property, rider to cover tractors, instruments, and office equipment, rider to cover golf cart
Date: January 09, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Communication
I have not had any direct contact with the insurance company, other than their mailings of my policy declarations, insurance cards for the autos, etc. I have worked through my independent agent thus far with any questions/problems I have had, and she has been my liason. I have not had to file a claim so I suppose that will be the true test.
Date: November 19, 2017 Age: 20 to 29 Gender: Male Marital Status: Married
Website/App
There isn't a mobile app as far as I am aware. We have only had to use the insurance once for roof damage. The website worked well enough for that but I don't have any other experience with it.
Date: November 18, 2017 Age: 50 to 59 Gender: Female Marital Status: Married
Website/App
I like everything about our company's site. It is easy for me to log on and pay my bill, view my coverage and submit claims if necessary. We don't have a mobile app but I don't feel it is necessary.
Date: November 18, 2017 Age: 40 to 49 Gender: Female Marital Status: Married
Communication
Their communication is top notch. Very responsive to both phone calls and emails. I know I will get a quick response from them.
