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June Sham is an insurance writer for Bankrate. Before joining the team, she worked for nearly three years as a licensed producer writing auto, property, umbrella and earthquake policies. Angelica Leicht is an insurance editor on the Bankrate team. She is truly passionate about helping readers make well-informed decisions for their wallets, whether the goal is to find the right comprehensive auto policy or the best life insurance policy for their needs. Nov 04, 2022 Bankrate logo The Bankrate promise
At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict editorial integrity, this post may contain references to products from our partners. Here's an explanation of how we make money. Our content is backed by LLC, a licensed entity (NPN: 19966249). For more information, please see our Insurance Disclosure. Bankrate logo The Bankrate promise
Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. We’ve maintained this reputation for over four decades by demystifying the financial decision-making process and giving people confidence in which actions to take next. Bankrate follows a strict , so you can trust that we’re putting your interests first. All of our content is authored by and edited by , who ensure everything we publish is objective, accurate and trustworthy. Our insurance team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — so you can feel confident about which provider is right for you. We guide you throughout your search and help you understand your coverage options. We provide up-to-date, reliable market information to help you make confident decisions. We reduce industry jargon so you get the clearest form of information possible. All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we’re putting accuracy first. Bankrate logo Editorial integrity
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . 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. At a glance
Not rated Bankrate Score Home 0.0 Auto 0.0 About Bankrate Score Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services. Encompass Insurance, which is owned by Allstate, might be a good choice if you want to bundle your auto and home coverage, as the carrier offers numerous perks for bundling. Those looking for a robust digital experience may want to steer clear, though; the Encompass app is limited to just roadside assistance. Pros and Cons Quick Look Pros Offers numerous additional coverage options and perks for those bundling home and auto insurance together Policy management and servicing available through online portal and a network of independent local agents Cons Receives twice as many complaints compared to competitors based on Consumer Complaint Index score by National Association of Insurance Commissioners (NAIC) Mobile app accessibility is only limited to roadside assistance Sold by independent agents Mobile app functionality is limited Unique EncompassOne policy covers auto and home together Compare rates Answer a few questions to see personalized rates from top carriers Encompass Insurance may be one of the oldest insurance carriers in the nation. Founded in 1897, Encompass was purchased by Allstate Insurance to become the insurer it is today. It specializes in home and auto insurance which can be purchased from independent agents throughout the country, providing a local touch to a nationally available company. One of the main draws of Encompass Insurance is its EncompassOne Policy, which covers home, auto and personal possessions under a single policy. This gives policyholders a single premium and deductible for all of their insurance and comes with three tiers: Elite, Deluxe and Special. Each of these tiers comes with its own policy features, limits and special add-on coverage. Encompass auto and home insurance can be purchased through 2,600 independent agents in almost all states except Alaska, Florida, Hawaii, Massachusetts, Mississippi, Montana, North Carolina, North Dakota, South Dakota and Wyoming. Encompass car insurance
Encompass aims to simplify the car insurance process with its EncompassOne policy. Each of the three tiers of Special, Deluxe and Elite come with pre-selected features, higher limits and discounts, although drivers can craft their own policies as well. Some unique features that come with these packages include accident forgiveness, loan/lease gap coverage and new car replacement. 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. Shop rates and compare quotes
Get personalized auto insurance quotes by answering a few quick questions Quick facts on average this year by shopping for new car insurance Rates vary by state The average American pays for auto insurance Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . 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. See more providers in Choose from insurers in Show More To find the , Bankrate developed the Bankrate Score. We analyzed average premium data from Quadrant Information Services from dozens of companies, as well as their policy offerings, discounts, financial strength ratings and customer service rankings. Because there is limited information in these categories about Encompass, we did not give it a Bankrate score. Encompass car insurance cost
Encompass does not have an online quoting tool. For this reason, drivers interested in learning how much a car insurance policy might cost will need to contact one of Encompass' independent agents to request a quote. The in the United States is $1,674 per year for full coverage insurance, although your rates may vary depending on where you live, the type of car you drive and more. National full coverage annual rates Clean driving history $1,674 $2,062 $2,311 $2,531 *16-year-old rates reflect the added cost to their parents' full coverage car insurance policy. Encompass car insurance discounts
Encompass offers many discounts to help . These include: Safe driving discount If no covered driver in the policy has a chargeable accident — this may include an at-fault accident or moving violation — the policy may be eligible for a 5% discount during the next policy period New car discount If you purchase a brand new car with no previous title, this discount could be added to your policy Resident student discount If a young driver is still on their parents’ car insurance, attends university at least 100 miles away from home and does not have a car at school, this discount may be added to the car insurance policy Encompass car services
Encompass does not offer any additional services to auto policyholders. Encompass home insurance
The EncompassOne policy for homeowners insurance also comes in three tiers: Special, Deluxe and Elite. Like its auto insurance counterpart, 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% 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. 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. Compare home insurance rates
Answer a few questions to see personalized rates from top carriers. Continue Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . 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. Quick Facts $382/year average savings through Bankrate 2 out of 3 homes are underinsured 1 out of every 20 insured homes makes a claim each year 100% of homes need insurance before getting a mortgage See more providers in Choose from insurers in Show More Mortgage Leaving so soon Your custom quotes are just minutes away
Return to form Encompass home insurance cost
As Encompass homeowners insurance quotes are not available to start online, it is unclear what the average annual premium might be. The for most Americans is $1,312 for $250,000 in dwelling coverage, although actual rates may vary depending on your location, home square footage and more. Dwelling coverage limit National average annual premium $150,000 $898 $250,000 $1,312 $350,000 $1,723 $450,000 $2,148 Encompass home insurance discounts
Finding the can be done by taking advantage of discounts. Some of Encompass' discount opportunities include: Renovation discount Recent updates within the last 10 years to a home system, including heating, cooling, plumbing and the roof could allow you to qualify for this discount to be added to your policy 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 Encompass home services
Encompass does not advertise any other home services for its home insurance customers. Other Encompass Insurance perks worth considering
Encompass offers a few other insurance products in addition to home and auto insurance. These include: : Condominium owners need a different type of insurance policy, and this policy is tailored specifically for their unit, belongings and liability risk. : As a renter, this policy type provides coverage for your personal belongings, liability and loss of use. : With a personal umbrella policy, you can extend the liability coverage of your home and car insurance to further protect your financial assets. Encompass Insurance corporate sustainability
While Encompass does not divulge its impact toward social responsibility, it is considered part of Allstate's group of companies. Allstate supports many organizations through its Allstate Foundation, focusing on specific causes like domestic violence and closing gaps in nonprofit leadership. Its Helping Hands network also coordinates employee volunteers with almost 3,000 community groups and has contributed $7.5 million since 2018. Not sure if Encompass Insurance is right for you Consider these alternatives
: As Encompass’ parent company, Allstate also offers home and auto insurance, along with many other insurance products for those who want to build a comprehensive insurance plan. : Although only open to military members and qualified family members, USAA sells affordable home and auto insurance with many unique policy features. : State Farm is another large insurance carrier available nationwide and relies on a network of local agents to service their communities’ insurance needs. Methodology
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on 40-year-old male and female homeowners with a clean claim history, good credit and the following coverage limits: Auto
$100,000 bodily injury liability per person $300,000 bodily injury liability per accident $50,000 property damage liability per accident $100,000 uninsured motorist bodily injury per person $300,000 uninsured motorist bodily injury per accident $500 collision deductible $500 comprehensive deductible To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually. Age: Rates were calculated by evaluating our base profile with the age 16 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Hawaii rates indicate age is not a contributing factor. Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket and a single DUI conviction. Homeowners
Coverage A, Dwelling: $150,000, $250,000, $350,000, $450,000 Coverage B, Other Structures: $15,000, $25,000, $35,000, $45,000 Coverage C, Personal Property: $75,000, $125,000, $175,000, $225,000 Coverage D, Loss of Use: $30,000, $50,000, $70,000, $90,000 Coverage E, Liability: $300,000 Coverage F, Medical Payments: $1,000 The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required). These are sample rates and should be used for comparative purposes only. Your quotes will differ. Compare rates and save on auto insurance today! Get quotes Close X On This Page
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