INSURANCE CARRIER
Encompass Insurance
Encompass Insurance is the independent-agent personal lines brand owned by Allstate Insurance, separate from Allstate's captive distribution.
Personal Lines
- File a claim 866-621-2174 · 24/7 claims line
- Online Account & claims portal
- After hoursFor claims, call 866-621-2174 directly.
A note on availability: We are not currently placing new business with this carrier in Alabama. A free coverage review can confirm which carriers we can place coverage with for your situation.
Coverage Focus
What this carrier writes
Overview
About This Carrier
Encompass Insurance is the independent-agent personal lines brand owned by Allstate Insurance, separate from Allstate's captive distribution. Encompass writes personal auto, homeowners, condo, renters, and umbrella coverage in 39 states. Encompass is distinguished by its EncompassOne approach, which packages home, auto, and umbrella into a single policy with one renewal date and one bill, much like a home and auto bundle.
Strengths
What This Carrier Does Well
EncompassOne single-policy approach simplifies administration for customers with home plus auto plus umbrella
Established IA distribution with stable carrier appetite for preferred-market standard risks
Established IA distribution with stable carrier appetite for preferred-market standard risks
Limitations to Know
Where They Fall Short
Single-policy bundle structure can be less flexible than per-line policies if customer needs change
Available in 39 states (not all 50), with appetite concentrations that vary significantly by region
Available in 39 states (not all 50), with appetite concentrations that vary significantly by region
Right Fit
Who They Are Best For
Best Fit For
Preferred-market homeowners and drivers who want bundled home plus auto plus umbrella in a single policy.
Appetite & Coverage
What They Write
- Line of Business
- Personal Lines
- Coverage Types
- Personal auto, homeowners, condo, renters, personal umbrella, motorcycle (limited), valuables
- Carrier's Licensed States
- 39 states including GA
- Max Business Revenue
- Refer to carrier overview for appetite
- Industry Classes
- Refer to carrier overview for industry positioning.
Pricing & Claims
What to Expect
Best Pricing For
Bundled home plus auto plus umbrella in a single EncompassOne policy with 0 to 1 claims in 5 years, homes built after 1985, and drivers with clean records. The bundling discount stacks across all three lines.
Pricing Context
Encompass personal lines pricing sits in the standard preferred market range, with the EncompassOne bundle as the differentiator. A coverage review can show you how the numbers compare for your situation.
Claims Experience
Encompass leverages Allstate's claims infrastructure, providing broad geographic adjuster coverage. Admitted Status: Admitted carrier for personal lines. Olive Cover, the brand of Olive Insurance Services, LLC, is your independent insurance agent. We help you file your claim and advocate on your behalf. Coverage decisions on any claim are made by your insurance carrier under the terms of your policy.
Admitted Status: Admitted carrier for personal lines.
Olive Cover, the brand of Olive Insurance Services, LLC, is your independent insurance agent. We help you file your claim and advocate on your behalf. Coverage decisions on any claim are made by your insurance carrier under the terms of your policy.
Quick Facts