Encompass Insurance Company of America is a leading provider of insurance solutions in the United States, known for its comprehensive coverage and exceptional customer service. Let’s explore what makes them stand out in the competitive insurance industry.
A Brief Introduction
A Brief IntroductionEncompass Insurance Company of America, owned completely by Allstate Corporation, ranks as one of the United States’ major insurance brands. It’s available through over 6,500 independent agents across the nation. Encompass provides various insurance products, such as auto, home, renters, personal umbrella, motorcycle, boat, and RV insurance.
A Brief History
Encompass started in 1897 and became the Encompass Insurance Company in the 1990s. In 1999, Allstate Insurance Company bought the personal lines insurance business from CNA Financial as CNA shifted to commercial lines. Allstate then named its subsidiary Encompass in 2000.
Contact Details
To reach out to Encompass Insurance Company of America for inquiries, quotes, or claims, you can use the following contact information:
| Contact Method | Phone Number | Mailing Address | Fax Number |
|---|---|---|---|
| Phone | 1-800-588-7400 | Not applicable | Not applicable |
| 1-800-340-3016 | |||
| Not applicable | Encompass Insurance Company of America | Not applicable | |
| P.O. Box 1623 | |||
| Winston-Salem, NC 27102 | |||
| Fax | 1-800-850-6054 | Not applicable | Not applicable |
Encompass Insurance Company of America can assist you with your insurance needs on weekdays from 8:00 AM to 6:00 PM ET and on Saturdays from 9:00 AM to 1:00 PM ET.
Services and Products
Encompass Insurance Company of America offers a range of insurance products and services. Here’s a breakdown of what they provide:
Auto Insurance
- Liability insurance: Covers you if you’re sued after an accident.
- Collision insurance: Pays for car repairs after a crash.
- Comprehensive insurance: Covers damage from vandalism, theft, and more.
- Personal injury protection (PIP): Pays for medical expenses and lost wages after an accident.
- Uninsured/underinsured motorist coverage: Protects you if you’re hit by an underinsured driver.
Homeowners Insurance
- Protects your home and belongings from events like fire, theft, and more.
- Offers optional coverage for floods, earthquakes, home businesses, and personal umbrella protection.
Renters Insurance
- Shields personal belongings from events like fire, theft, and more.
- Optional coverage includes liability protection, loss of use, and medical payments.
Motorcycle Insurance
- Provides coverage for motorcycles, including liability, collision, comprehensive, and uninsured/underinsured motorist protection.
Recreational Vehicle Insurance
- Safeguards your RV against damage from fire, theft, and more.
- Optional coverage includes roadside assistance, replacement cost, and vacation rental protection.
Boat and Watercraft Insurance
- Protects your boat or watercraft from damage due to fire, theft, and more.
- Optional coverage includes trailer protection, fishing equipment coverage, and personal liability protection.
Other Products and Services
- Encompass also offers additional services like identity theft restoration, home warranty plans, pet insurance, and life insurance.
Encompass Insurance Company of America is dedicated to providing comprehensive coverage and services to protect your home, belongings, and loved ones.
Premium Costs
The cost of premiums with Encompass Insurance Company of America can differ based on factors like the type of coverage you pick, your driving history, and where you live. But, Encompass is known for its competitive rates.
For instance, according to NerdWallet’s recent study, the average yearly auto insurance premium with Encompass is $1,313, which is lower than the national average of $1,674. The average yearly homeowners insurance premium is $1,220, also below the national average of $1,416.
Payment Options
Encompass provides different ways to pay your premiums, including monthly, quarterly, semi-annual, and yearly options. You can even pay your premiums all at once.
They also have an Easy Pay Plan, allowing you to spread your premium payments across several months. It’s free to join, and you can cancel anytime.
Discounts
Encompass offers several discounts to its customers, such as:
- Safe driver discounts
- Multi-policy discounts
- Bundling discounts
- Good student discounts
- Military discounts
- Older citizen discounts
They also have promotional offers at times, like discounts for new customers or those switching from another insurance company.
Promotional Offers
Encompass Insurance Company of America frequently has promotional discounts for customers. Recent offers have included:
- A 5% discount on auto insurance premiums for new customers.
- A 10% discount on homeowners insurance premiums for customers who bundle auto and homeowners insurance with Encompass.
- A 15% discount on motorcycle insurance premiums for customers with a good driving record.
Process of Filing Claims
- To file a claim with Encompass Insurance Company of America, you have two options:
- Call the Encompass claims department at 1-800-340-3016.
- Log into your MyEncompass account and file the claim online.
- When you initiate a claim, a claims representative will request basic information, including:
- Your policy number
- Contact details
- Specifics of the incident
- After gathering this information, you’ll be assigned a claim number, and the investigation process will commence.
- If you have auto insurance with Encompass, you can use the MyClaimsPics app to:
- Take photos of your damaged vehicle
- Send these photos to Encompass
- Encompass will review your photos and provide an initial estimate of your damages.
- For homeowners insurance, a claims adjuster may inspect your home to assess the damage.
- The adjuster will then create an estimate for the damages.
- Once the claims adjuster has prepared the damage estimate, Encompass will review it and settle your claim.
- They will either:
- Pay you directly for the damages
- Pay the repair shop directly.
- Encompass is dedicated to offering a fast and efficient claims process, with claims representatives available to answer your questions and guide you through the claim filing process.
Ratings
Encompass Insurance Company of America boasts a robust financial rating and a positive reputation. A.M. Best, a leading insurance rating agency, has granted them an A+ (Superior) financial strength rating. Additionally, they are accredited by the Better Business Bureau.
Customer Reviews
Customer opinions about Encompass are varied. Some customers commend their excellent customer service and straightforward claims process. However, others have voiced concerns about high rates and difficulties with claims approval.
Here are a couple of examples from customer reviews:
Positive Review: “I’ve been an Encompass customer for years, and my experience has always been good. Their customer service is top-notch, and filing claims is a breeze. I highly recommend Encompass to anyone seeking insurance.” – 5 stars
Negative Review: “I had a terrible time with Encompass. My rates were exorbitant, and when I filed a claim, they tried to deny it. I wouldn’t recommend Encompass to anyone.” – 1 star
Encompass maintains a low complaint ratio of 0.73 complaints per 100,000 policies, which is below the national average of 1.2 complaints per 100,000 policies. This indicates that Encompass receives fewer complaints compared to most other insurance companies.
Resolutions
Encompass typically resolves most complaints within 30 days. They boast a resolution rate of 95%, surpassing the national average of 80%. This means Encompass efficiently resolves the majority of complaints.
In summary, Encompass Insurance Company of America is a reputable company with a strong financial rating. While customer opinions vary, they receive fewer complaints than most insurance companies and address complaints promptly.
Affiliations and Partnerships
Encompass Insurance Company of America collaborates with various organizations and has several affiliations and partnerships, including:
1. Independent Insurance Agents of America (IIAA): Encompass is part of the IIAA, a trade association supporting independent insurance agents.
2. National Council of Compensation Insurance (NCCI): Encompass is a member of the NCCI, a non-profit organization that supplies workers’ compensation insurance data and insights.
3. Insurance Information Institute (III): Encompass is affiliated with the III, a non-profit organization that provides insurance information and conducts research.
4. National Insurance Crime Bureau (NICB): Encompass is associated with the NICB, a non-profit organization dedicated to preventing insurance fraud and theft.
5. Better Business Bureau (BBB): Encompass holds accreditation from the BBB, a non-profit organization promoting ethical business practices.
Additionally, Encompass has formed partnerships with other organizations, such as:
1. American Automobile Association (AAA): Encompass offers auto insurance to AAA members.
2. USAA: Encompass provides auto and homeowners insurance to USAA members.
3. AARP: Encompass offers auto and homeowners insurance to AARP members.
These affiliations and partnerships underline Encompass’s dedication to delivering top-notch insurance products and services. Collaborating with these organizations allows Encompass to offer its customers a broad array of coverage choices and competitive rates.
- Personalized Service: Encompass tailors insurance solutions to your specific needs.
- Allstate’s Backing: As a subsidiary of Allstate, you can trust in their financial stability.
- Comprehensive Coverage: A wide range of insurance products ensures you can protect what matters most.
- Customer-Centric Approach: A focus on customer satisfaction and resolving issues promptly.
FAQs
1. Can I get a quote online from Encompass Insurance Company of America?
Yes, you can obtain a quote conveniently through their website or by contacting their customer service.
2. What discounts are available for policyholders?
Encompass offers various discounts, including safe driver discounts and bundling policies. Be sure to inquire about available discounts.
3. How can I file a claim with Encompass Insurance Company of America?
You can initiate a claim through their website or contact their customer support for guidance.
4. Are there any additional benefits for policyholders?
Encompass provides personalized service, and being an Allstate subsidiary ensures financial stability and comprehensive coverage.
5. How can I check the status of my claim with Encompass Insurance Company of America?
You can check the status of your claim by reaching out to their customer support, who will provide you with the necessary updates.
Conclusion
Encompass Insurance Company of America offers a reliable and comprehensive insurance solution that can meet your unique needs.
Their history, range of services, competitive premiums, and commitment to customer satisfaction make them a compelling choice for those seeking insurance coverage. If you’re looking for peace of mind and personalized service, consider Encompass Insurance Company of America.
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