Last Updated: 04/18/2025
SuperMoney User Recommendation Score +10
Mostly recommended10 total votes
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Highlights
Community Rating
Mostly recommended
Financial Strength Rating
A+(Verified 04/18/2025)
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Number of Reviews
Encompass Home Insurance Review
Encompass Home Insurance is an insurance carrier based in Chicago, IL. The company was founded in 1999 and offers home insurance in 38 states (and Washington, DC).
Encompass Home Insurance FAQ
What is the financial strength rating of Encompass Home Insurance?
The financial strength rating of an insurance company scores its ability to pay contracts and policies. Each agency has its own standards and rating scale and a company's rating can change any day. It's a good idea to check the financial rating of an insurance company before you purchase a policy. There are five main rating agencies. SuperMoney's financial strength rating is based, among other factors, on the average score from available ratings.
Encompass Home Insurance scores an A+ financial strength rating, SuperMoney's highest available rating.
What types of coverage does Encompass Home Insurance offer?
Home insurance includes a wide range of coverages. One of the best ways to saving money on your home insurance is to only pay for the coverage you need. Encompass Home Insurance offers the following types of home insurance coverage:
Dwelling Coverage:
Also called "dwelling insurance." This is the part of your homeowner's insurance policy that helps pay for the rebuilding or the repair of the physical structure of your home if it's damaged by a covered hazard.
Guest Medical Protection:
This helps visitors who are injured on your property. It can help cover the necessary medical expenses in an accident, regardless of who's at fault. Medical expenses covered usually include costs like ambulance rides, X-rays, surgical procedures, and hospital stays. Note that guest medical coverage doesn't apply to anyone who lives in the home or is listed on your policy.
Liability Coverage:
The personal liability coverage within your homeowner's policy offers coverage for bodily injury and property damage sustained by others for which you or covered residents of your household are legally responsible.
Other Structures Coverage:
This covers structures on the residence premises separated from the dwelling by a clear space or connected to the dwelling by a fence, utility line, or related connection. Examples include a detached garage, tool shed, driveway, swimming pool, gazebo, or fence.
Personal Property Protection:
This insurance protects the items in your home, like your furniture. If they're damaged or lost, personal property coverage could help you cover the cost of replacing them.
Reimbursed Living Expenses:
This coverage reimburses the insured for the cost of maintaining a comparable standard of living following a covered loss that exceeds the insured's normal expenses. For example, it could include an insured's motel bill while fire damage to the home is being repaired or replaced or until the insured moves to a permanent residence.
Encompass Home Insurance customers can also add the following riders or endorsements to their home insurance policies:
Electronic Data recovery insurance:
This is the most surefire coverage option for businesses. Electronic data loss insurance is configured specifically for businesses that rely on data. This insurance may also cover the costs associated with downtime that occurs due to data loss.
Identity Theft Protection:
This rider protects homeowners in the event of identity fraud and pays for the cost of restoring their identity.
Personal Injury Liability Coverage:
This protects you against bodily injury and property damage for which you or the residents of your home are responsible.
Sewage and Drain Backup Coverage:
This coverage helps you repair water damage from overflowing drains and sewers, broken sump pumps, and damage that results from water moving from the ground up.
Valuable Items:
Valuable personal property coverage protects items such as expensive collections, engagement rings, watches, and other jewelry from theft, loss, or damage.
Watercraft Coverage:
This rider provides protection from liability and damages caused by a boat. This may be enough if you have a small boat or if you only use it on your property. However, you may want to consider a separate boat insurance policy for larger boats and longer trips.
How can you save money on a Encompass Home Insurance home insurance policy?
When you ask for a quote with Encompass Home Insurance, make sure you ask for all the discounts you qualify for. These are the property-specific discounts currently available.
- Alarm System
- Home Buyer
- Home Security or Protective Devices
- Recent Home Improvements / New Roof
- Fire Extinguisher in the Home
- Home Monitoring System
- Smoke Detectors
Want more discounts? Check the discounts tab for a full list of general policy discounts you can qualify for with Encompass Home Insurance.
What additional benefits does Encompass Home Insurance offer?
Encompass Home Insurance offers the following benefits to its customers:
24/7 Phone Availability:
Customer service is staffed around the clock.
Local Agents:
Perfect for people who prefer the personal touch of a local insurance agent.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
Closed
Monday
8:30AM - 4:30PM
Tuesday
8:30AM - 4:30PM
Wednesday
8:30AM - 4:30PM
Thursday
8:30AM - 4:30PM
Friday
7:00AM - 6:00PM
Saturday
9:00AM - 12:00PM
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users mostly recommend this product, giving it a user recommendation score of +10, or 3.2 on a 5-point rating scale.
+10
-1000+100
No one recommends
Everyone recommends
Encompass Home Insurance Community Reviews
Would you recommend Encompass Home Insurance to your friends?
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
I have heard about this company, and I have heard good things about this company as well. With this company they have protection to cover all of your needs. What I like about this company is that they offer homeowners and auto insurance in one package, which to me is a win. I have heard good things about this company, however, I haven't personally used this company myself. After doing ...Show More
LR
Lily R.
Jun 30, 2022
May or may not recommend
Encompass Home insurance is the only insurance company my family and I trust. They have the best rates and most reliable customer service out of any insurance company I’ve ever dealt with!! I’m so glad I chose them, they make life easier.
IB
Ibinabo B.
Jan 20, 2022
May or may not recommend
The uncertainty involved when figuring out a plan for your home is an understatement, but imagine my pleasant surprise when Encompass Home stepped, more than I could have wanted. Thank you!
Andrew H.
Aug 12, 2021
May or may not recommend
Customer service is hard to reach and the number of states they cover is limited.
SC
Shoane C.
Jul 3, 2021
May or may not recommend
I have heard about this company, and I have heard good things about this company as well. With this company they have protection to cover all of your needs. What I like about this company is that they offer homeowners and auto insurance in one package, which to me is a win. I have heard good things about this company, however, I haven't personally used this company myself. After doing ...Show More
Originsand T.
Jul 1, 2021
May or may not recommend
I cannot find the customer service number but the website does look informative and if you have time to wait you can fill in the form that they offer.
AO
Adebola O.
Jun 14, 2021
May or may not recommend
I would not recommend because this company don't cover for damages above the amount you have with them and their response rate is very low too
GT
Glenda T.
Jun 10, 2021
May or may not recommend
I would not recommend this policy because hail damage is only covered on an actual cash value basis. Due to the number of hail storms in North Texas, most homeowners would not be of value.
SH
Sally H.
Apr 10, 2021
May or may not recommend
Maybe okay with the occasional newbie who has never filed a lawsuit with an insurance provider and has no claims or injury records. The start-up is promising.
Jana F.
Jan 12, 2020
May or may not recommend
My parents have this home insurance and have not been able to reach claims on the weekend even though the website says 24/7. Called the 800# on website. Message says to call M-F.
Showing 10 of 10 reviews