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Encompass Home Insurance Review

In this Encompass home insurance review, we examine the provider’s plans, prices, and reputation to help you determine if the company is right for you. 

Home Insurance Adobe

A home insurance policy can protect your home and finances when the unexpected occurs. If your home catches fire, is struck by lightning, or is burglarized or vandalized, your home insurance can help cover the cost of repairing or rebuilding your home’s interior and exterior, as well as replace your damaged or destroyed personal property.

However, selecting the best home insurance company for your needs can be difficult. Not all homeowners insurance companies are of the same quality, and they can vary in terms of coverage, cost, availability, and more. The This Old House Reviews Team created this in-depth Encompass home insurance review to help you determine if it’s the best fit for your needs.

Table of Contents

  • Our Take
  • Pros & Cons
  • Coverage
  • Availability
  • How Much Does Encompass Home Insurance Cost?
  • Reviews of Encompass Insurance
  • Encompass vs. the Competition
  • Our Conclusion
  • Frequently Asked Questions

Our Take

Encompass is a subsidiary of Allstate, one of the largest and best-known home insurance companies in the industry. Encompass was founded more than 120 years ago and benefits from Allstate’s strong financial backing. The home insurance provider offers comprehensive coverage, including a variety of uncommon endorsements like coverage for your coins, trees, and shrubs. We give Encompass Insurance an overall score of 88.50 out of 100 on key metrics like coverage, cost, and customer service.

On Encompass’ Better Business Bureau profile, complaints cite issues contacting claims adjusters. Reviews range from praising efficient customer service to concerns about delays in claims handling.

Pros & Cons

Compare the advantages and disadvantages of Encompass home insurance.

Encompass Pros & Cons

Pros Cons
Pros Cons
Affiliation with Allstate No online quote tool
More than 120 years of experience Only available in 40 states
A+ BBB rating


Encompass offers all six forms of industry-standard basic coverages.

Encompass Coverage

Type Description
Type Description
Dwelling + other structures Covers the cost to repair or rebuild your home in the event of a covered loss, including detached structures like a shed or fence
Personal property Covers the cost of damage or destruction of personal items, like furniture, clothing, appliances, and electronics
Personal liability Covers the cost of legal fees if you are sued after a guest is injured on your property
Loss of use/additional living expenses Covers the costs associated with temporarily living away from home, including accommodations and meals, due to covered loss
Medical payments to others Covers the medical costs for injuries that occur to others while on your property

Encompass offers a wide range of endorsements to allow you to customize your coverage:

  • Jewelry and furs
  • Silverware
  • Money and coins
  • Business property
  • Firearms
  • Electronic equipment
  • Trees and shrubs
  • Credit cards and forgery
  • Sewer backup
  • Mold
  • Personal home computers


Encompass offers home insurance in 40 states. These are the states where Encompass is not available:

  • Alaska
  • Florida
  • Hawaii
  • Massachusetts
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • South Dakota
  • Wyoming

How Much Does Encompass Home Insurance Cost?

The exact amount you pay for Encompass home insurance will depend on many key factors, including your property value, its size, the materials it was constructed with, where you live, the coverage limits you select, the insurance deductible you choose, and more.

We received a quote for a new construction, single-family, roughly 2,000-square-foot home in Oswego, Illinois. The monthly premium came out to $119.75.


Type of Coverage Amount of Coverage
Type of Coverage Amount of Coverage
Dwelling $470,000
Other structures $47,000
Personal property $329,000
Loss of use/additional living expenses $94,000
Personal liability $500,000
Medical payments to others $5,000
Monthly Cost $119.75


Encompass offers the following discounts to help lower your monthly premium:

  • Multi-policy discount
  • Central alarm system
  • Sprinkler system

Encompass Insurance Reviews

Encompass is not accredited by the Better Business Bureau and holds an A+ rating from the organization. As is the case with the majority of home insurance companies, reviews are mixed.

Linda R. said:

“I can’t say anything but good things about Encompass Home Insurance. They have taken really good care of my needs pertaining to the abatement, and restoration of my home which was due to major flood damage. They were professional, compassionate and sympathetic to my needs during my time of turmoil. Thank You Encompass!! I really appreciate you!”

Brennan M. said:

“Horrible service if you’re waiting on a claim. It’s been four weeks as of today, and I am still waiting on a reply to get my claim settled. The claim adjusters won’t answer their phones.”

Encompass vs. the Competition

See how Encompass stacks up against some of its top competitors on key metrics.


Provider Encompass Lemonade Amica
Provider Encompass Lemonade Amica
Get a Free Quote Not available through This Old House Not available through This Old House
Our score 88.50 83.50 96.60
State Availability 40 23* 47 (not available in AK, FL, or HI)
BBB Rating A+ B+ A+
Years in Business 123 5 113
24/7 Claims Service by Phone
Protective Devices/Safety Features Discount
Bundling Discount
Mobile App X

*Lemonade home insurance is available in AZ, CA, CO, CT, GA, IL, IN, IA, MD, MA, MI, MO, NV, NJ, NY, OH, OK, OR, PA, TN, TX, VA, WI

Our Conclusion

The This Old House Reviews Team believes that Encompass is a solid choice for home insurance, with backing from financially robust Allstate. Its coverage is comprehensive, and it offers unique endorsements like mold and personal home computers. However, Encompass is not available in 10 states and lacks an online quote tool. Overall, we give Encompass a score of 88.50 out of 100.

When searching for a home insurance provider, it's always a good idea to get quotes from multiple companies so you can find the best option for your home. You can do so by calling 855-948-5219 or entering your zip code in our free quote tool:

Company Information

  • Company name: Encompass Insurance
  • Company type: Public
  • CEO: Pat Macellaro
  • Year founded: 1897
  • Headquarters: 2775 Sanders Rd, Northbrook, IL 60062
  • State availability: 40
  • BBB rating: A+

Our Methodology

The This Old House Reviews Team values accuracy, transparency, and trust. With that in mind, we created an objective and comprehensive rating system to score each home insurance company based on the following six factors:

  • Coverage (30)
  • State availability (7.5)
  • Customer service (15)
  • Technology (12.5)
  • Reputation (20)
  • Additional benefits (15)

Our Reviews Team has a full-time researcher who collects and regularly updates data points from every company to help us compare them on key factors such as coverage, service, and dependability. Read more on our methodology here.

Frequently Asked Questions

What are the best homeowners insurance companies?

The best homeowners insurance companies will depend on your priorities. The This Old House Reviews Team has ranked the eight best homeowners insurance companies based on a variety of metrics, including coverage, availability, cost, and more:

  • Allstate: Best Overall
  • Amica®: Best Customer Service
  • State Farm: Best Endorsements
  • Liberty Mutual: Best Discounts
  • USAA: Best Membership Perks
  • Travelers: Most Experience
  • Farmers: Most Customizable Coverage
  • Lemonade: Best Value

Is Encompass a good insurance company?

We believe Encompass is a good choice for home insurance, with a wide range of coverage and some less common optional endorsements. However, we believe Allstate is the best overall home insurance company.

Who has the cheapest homeowners insurance?

Of the companies we have evaluated, Lemonade, MetLife, and Costco have some of the cheapest homeowners insurance rates.

To share feedback or ask a question about this article, send a note to our Reviews Team at