We are building a transparent, customer-powered platform for real people to learn about and buy insurance including auto, home, and renters, with helpful information about pet and life insurance, too. AIG is an extremely reputable provider of builders risk insurance and one of our top recommendations. We only include companies in our top list that received high marks in customer service from at least one of these organizations—the BBB or J.D.
Better World Club’s plans give customers the opportunity to be more environmentally-friendly while protecting themselves against unforeseen events on the road. We like their refund policy, their ample coverage for bicyclists, and their commitment to a “green” lifestyle, but we’d like to see more reasonable membership costs. Plan costs start at $57.95 for Basic memberships and $92.95 for Premium, with additional family members covered for an additional $35 to $49 per person. This strikes us as overly harsh and might make customers reluctant to try their plans. CARCHEX is a recognized name in the automobile inspection and extended warranty service provider market, with almost a perfect 100% satisfaction rate to back their A+ with the Better Business Bureau.
Auto-Owners focuses on providing low rates and personalized customer service. Insurance from Auto-Owners is exclusively available through independent agents, and it can’t be purchased from the company directly. However, the company still has a few modern advantages, such as a smartphone-based driver safety rating program that can lead to significant discounts for the safest drivers. Thanks to its prosperous history and financial strength, Auto-Owners has earned a reputation as a stable insurance company with a stable outlook for the future.
Best For Safe Drivers
Each level is recommended for how many assets you have, so having similar levels of coverage for your car and home makes sense. Both companies sell umbrella insurance, which retirees and others with high assets may need if their regular insurance doesn’t cover all of their assets. Encompass Insurance Company has an A+ Superior rating from A.M.
New blog posting, The Encompass Auto Insurance You Need To Have And The Kahului Car Rentals You Want To Find – http://t.co/FCMx62Gw
— Anna Laye (@agencinsurance) November 18, 2011
Landscape and land restoration coverage to replace landscaping damaged by a covered loss. Pays $1,000 of Homeowners Association fees, or HOA fees, after a covered disaster if your HOA raises the assessment for a covered loss to common property. Any optional coverage is on top of the basic coverage Encompass provides. The optional add-ons, and the higher tier levels, cost extra, we assume, though the Encompass website doesn’t list by how much. We review some of the best options for each tier, and give an overview of how Encompass Insurance works.
USAA will also expand auto insurance coverage for members who are using their personal vehicles to deliver food, medicine and other goods for commercial purposes. Customers are eligible for the credit if they have a State Farm Mutual Auto policy covering an auto, motorcycle, RV, business use personal auto, commercial auto, school bus and/or antique/classic vehicle. GoAuto Insurance says there will be a 15% premium reduction for April and May for customers in Louisiana and Nevada. Geico has announced it will provide a 15% credit to its auto and motorcycle insurance customers who renew their policies between April 8 and Oct. 7, 2020. This credit also applies to any new policies purchased during this period. The Hanover Insurance Group has been BBB accredited since 1959, and holds an A+ rating at the time of this review.
In July 2020, Allstate announced to be acquiring National General Insurance for $4 billion. In January 2017, Allstate acquired SquareTrade, a consumer electronics and appliance protection plan provider. It was said that the acquisition cost approximately $1.4 billion from a group of shareholders. Allstate’s Bangalore operation is focused on the areas of business intelligence, analytics, testing and mobility.
How Competitive Are Progressives Rates?
Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. Progressive is also an excellent choice, especially for high-risk drivers who have tickets or DUIs on record, as well as young drivers with little experience. In addition to standard auto insurance coverage options, you can also add the below optional coverages to further customize your policy.
Get multiple quotes on your homeowners insurance with one phone call. Whether you need advice or counsel regarding your homeowners, auto, business, life or estate planning programs, The Villages Insurance has a local expert ready to meet your needs. Mercury Insurance announced today that both its auto and homeowners insurance policyholders will see an average rate decrease of 5%.
“Buying car insurance as part of a group can earn you many benefits,” Gusner notes. “To get low cost car insurance for seniors, shop around and ask for discounts of any type to discover what you’re eligible for and can help reduce your premium.” Good driver and safe driver discounts are available to all ages, and by most companies, and can get you between 5 and 25% in savings on that insurance premium. The insurance company usually requires that you have a clean driving record for at least three years. That means no DUIs, no moving violations and no at-fault collisions. Consider dropping collision and/or comprehensive coverages on older cars.
With the Affordable Care Act, using your health insurance in an auto-related injury simply results in the clinic filing the claim with your car insurance carrier. If an injury exhausts your PIP and/or medical coverage, then you may file with your health insurance. Generally, car insurance rates experience a sharp decline after age 25, stay level from 30 to 65, and then begin to increase as drivers enter their senior years. While a 40-year-old with a clean driving record who’s been driving since she was 18 has 22 years of experience to rest on, a 20-year-old has a measly two years.
Power auto insurance satisfaction rating and its AM Best financial strength rating. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available. Uninsured motorist coverage will cover expenses from injuries or damage after an accident with a driver who doesn’t have car insurance. Underinsured motorist coverage will cover the same expenses if you’re hit by a driver with some car insurance, but not enough to cover all costs from the crash.
You must have comprehensive insurance to qualify for this coverage. Collision insurance typically covers events within a motorist’s control, or when another vehicle collides with your car. The main benefits of collision insurance are that you won’t have to worry about high repair costs after an accident, if you would be unable to afford repair costs or if you simply value peace of mind. Collision coverage pays for damage to your car that happens as a result of a crash.
Both RV and Watercraft coverage are available as endorsements to the Platinum package policies. Personal Umbrella and Identity Theft are also available from The Hanover. Platinum Auto Elite – providing the highest level of coverage with additional rental car benefits, pet medical, trip interruption, and more. The Hanover Group offers a range of different products for both individuals and businesses.
With this package, policyholders can have their homes covered with a 200% property location limit. Apart from these benefits, Encompass is also able to customize the policies based on what is needed by the clients. Even though victims of this crime are not typically liable for any money that might be stolen the cost of proving the fraud and restoring their credit rating can be costly. Unfortunately, identity thieves may even do things like signing up for auto insurance under your name. If they get in an accident, it could increase your personal insurance rate and cause other issues in your perceived financial strength as an insured. Safeco’s car insurance and home insurance bundling is a great way to save on insurance.
Allstate has stated intentions of reducing its exposure in hurricane-prone Florida. In November 2006, the company did not renew 120,000 policies that were expiring at that time. Governor Charlie Crist and the Florida Cabinet passed a 90-day emergency order to temporarily prevent insurance companies from not renewing policies. The PBS television program Now, in conjunction with Bloomberg Markets magazine, did an exposé regarding Allstate and other major insurers’ homeowners insurance policies.
Any applicable increase will go into effect once your policy renews and will be in effect for 3 years. We make it easy for you to access your vehicle proof of insurance card. You can log in to your account for a printable card, or use our mobile app to access a digital version that’s handy when you’re on the go. “I switched from State Farm many years ago and have been with Averson Insurance ever since. I feel I get the attention I deserve and a great rate for my coverage.” We protect businesses and employees, as well as company property and vehicles. You can also choose to raise or lower your deductible, which will generally have the reverse effect on your premium.
How Seniors Can Find Cheap Insurance Rates
To get a quote of what your premium might cost, you’ll have to work with an agent directly. You should also note Encompass offers a wide range of discounts, so be sure to have your agent go through all available discounts so you can save as much as possible. Buying Encompass Insurance might appeal to those who want the convenience of one policy to cover multiple different vehicles, and in some cases, multiple homes. However, those looking to get the best price on car insurance are likely to find a less expensive option elsewhere, especially using a traditional style of bundling with auto/home insurance discounts. Encompass Insurance reviews from the Better Business Bureau accredited company.
This service has the mission of helping you get things repaired and replaced as quickly as possible. Resident Student Discount – This is often called the Student Away discount and is available for students who go to school more than 100 miles from where the car is located. Defensive Driver Discount – Complete an approved defensive driving course and save.
When reviewing Encompass’ customer satisfaction by Allstate’s ratings, Encompass sits in the middle, according to J.D. If evaluating Encompass independently, other ratings by AM Best, NAIC and the Better Business Bureau give the insurer’s auto division favorable rankings overall. Encompass gets a superior rating for financial stability (A+) from AM Best. The National Association of Insurance Commissioners compiles customer complaints into an index. Encompass has a higher than average rate of complaints at 1.78. Our insurance team is composed of agents, data analysts, and customers like you.
I was told, that the amount that was given to me over the phone was $150 off from what was actually due, so the policy was being cancelled for the difference. I was also told that there was nothing that could do and I had to have the money in their office by the end of the week if I wanted to keep my insurance going. I wrote the check and brought it in to the office before the date of cancellation and received notification in the mail that it would not be cancelled. The next bill was an odd amount, so again I called the office to see what could be done. Being on a budget doesn’t coincide with an insurance company that cannot figure out what to bill me each month. I was told, this time by John Russell himself, that if I paid what was on this bill I would have 6 more payments of a certain amount.
Health care can cost thousands of dollars, so it’s worth having health insurance if you can afford it. Even if you or your family members have never had a serious medical problem, odds are that someone auto insurance full coverage in your family will need medical care at some point. Paying for health insurance now will give you a safety net in case of unforeseen hospital stays, a trip to the ER, or other expensive care.
Ratings And Reviews
Think of liability insurance as the baseline for auto coverage. We gave Plymouth Rock auto insurance a rating of 4.0 out of 5.0 stars. The insurer offers many extra benefits alongside strong industry ratings, but it charges customers average insurance prices with less-than-average customer service. In addition to car insurance, Plymouth Rock offers homeowners insurance, renters insurance, umbrella insurance, commercial insurance, and a few more products depending on the state. Plymouth Rock Assurance has an A- financial strength rating from AM Best. This is considered “excellent” by the rating company, which is especially good to see for a smaller company.
Rating CompanyGradeFinancial OutlookA.M. BestA+StableFitchA+StableS&PN/AN/AWhat does the “A+” rating stand for? Best “A+” ratings mean the company has a stable financial outlook and has a superior ability to meet obligations to its customers. Encompass promises that they aim to call back within an impressive two hours when a claim is called in during business hours, and by the end of the next business day. Customers can use recommended repair services or opt to use the service of their choice. Encompass offers a few additional products, including Umbrella, Identity Theft, Lifestyle & Personal Liability coverage, Motorcycle coverage, etc.
Pick an agent or company representative that takes the time to answer your questions. You can use the checklist on the back of this brochure to help you compare quotes from insurers. Generally, pet insurance rates are cheapest when purchased at puppyhood and will increase as the dog ages. So, just as you would purchase health insurance for yourself and your children, your pets need insurance as well.
You will also be able to utilize the Drivewise Cash you receive from your Drivewise Enrollment and driving Performance toward purchasing merchandise and gift cards. If you’re not interested in your Drivewise Cash to shop the site, you can request to receive a check in the mail or a credit your auto policy premium for the total amount. I have been with Allstate for about 5 years after a local office cold-called me and persuaded me to switch from State Farm.
The Encompass rates for the $200K home with a poor credit profile are significantly lower than the national average rates. Please note that these are average homeowners insurance rates based on specific profiles and your rate could be higher or lower based on your unique characteristics that affect insurance rates. Health insurance plans are rated based on the amount of coverage they offer and your total out-of-pocket expenses. Generally, the less you pay out of pocket for health care services, the higher your premium.
My best advice is to improve your credit as best as possible. Encompass Insurance reviews first appeared on Complaints Board on May 13, 2008. The latest review Personal automobile was posted on Jan 11, 2021. The latest complaint Encompass Insurance driver ticketed for auto accident but they deny claim!
NerdWallet has researched policy options, consumer complaint data, customer satisfaction ratings, financial stability and more for the country’s top car insurance companies. Browse our reviews below based on what kind of auto insurance company you need. Safeco is backed by Liberty Mutual, the third largest property and casualty insurer in the U.S. It partners with local independent agents to help with policies and claims.
If it’s going to count as TWO CLAIMS if I choose to reopen it, I might as well forget it. USAA is a very reputable insurance company and when I say that, it depicts all aspects of their business. If your neighbor would use his/her insurance company as the insurance company for claimant damage, the insurance company would settle the differences internally and everything will be fine. Your husband cannot be a witness if he did not witness the accident.
— jennette beier (@jennettedwbeier) November 30, 2011
The good news with insurance providers nowadays is that most of them offer a range of discounts to lower your premiums. These can include student discounts, loyalty, new customer, senior or multi-policy discounts. If you have a clean driving record, it’s worth looking at providers such as State Farm to get rewarded for that.
It also protects you if you’re the victim of a hit-and-run or hit as a pedestrian. Were you T-boned, rear-ended or side-swiped in a car accident? This protects you against collision or rollover damages, no matter who caused the accident.
“There are very few silver linings out there, but auto insurance companies are definitely one of them,” said Piper Sandler analyst Paul Newsome about coronavirus. This is a way of proving you can pay if you cause damage to another person or property in an accident. To save on your insurance, shop around and find a provider offering discounts. Other things you could do include reducing the amount of miles you drive or bundling your auto insurance with home insurance.
Our encompass insurance review will take you through what you need to know about encompass insurance services and complaints. Encompass insurance is a subsidiary of allstate corporation and is one of the largest personal property and casualty insurance brands. Their unique personal insurance products offer customers the convenience of protecting multiple properties at the same time, and they have solid financial strength.
If you finance or lease a vehicle, your lender will generally require you to insure your vehicle with both collision coverage and comprehensive coverage, also known as “full” coverage. The best insurer for a financed vehicle will be different for everyone, but you will likely want to consider one that offers your desired coverage at affordable rates. You may also want to consider companies with numerous coverage options, such as original equipment coverage, gap insurance and even accident forgiveness. To help save you time and hassle, NerdWallet analyzed rates from 22 car insurance companies in New Jersey. For each driver profile below we identified the cheapest insurers in the state.
With standalone homeowners protection– as well as coverage for condo and rental properties, you can choose the plan and limits that are just right for you. © 2021 Smartfinancial.com Ins LLC DBA SmartFinancial Insurance. SmartFinancial Insurance is a digital insurance comparison engine, providing real-time rates and insurance services in all 50 states through its relationships with carrier and agency partners.
Could help with medical expenses or property damage to others caused by you or members of your household, including pets. Personal liability could also help with legal expenses in the case of a lawsuit. We can help you with a jewelry insurance policy that covers your valuable collection.
Now, CARCHEX is also making a name for itself as a good choice for roadside assistance. Their assistance plan for auto coverage alone is just $59.95 per year, one of the most affordable plans on the market. ValuePenguin’s top-rated national insurers are USAA, Amica, Farm Bureau and Geico. In addition, we recommend regional insurers NJM and Erie in the Northeast and Auto-Owners in the center of the country. They have the best combination of affordable rates, stellar service and varied coverage options. Always browse an insurer’s website and quote tool, or talk to a customer service representative, to make sure you understand all the coverages available to you.
After over two million name submissions, “Allstate” was chosen. The tires’ success in the catalog and retail stores prompted Sears Chairman General Robert E. Wood to praise the Allstate tire’s contribution to Sears’ retail store success. The Encompass LOS allows loan officers to access everything they need to originate and close more loans, in less time, from any location. With AI-driven, intelligent automation embedded throughout the system, lenders can be more responsive and deliver a better borrower experience. And, with built-in compliance paperless document management, and next-generation data security, Encompass ensures that lenders and borrowers alike are prepared and protected. Seamless GSE integration includes Freddie Mac’s Loan Product Advisor and Fannie Mae’s Day 1 Certainty initiatives.
You know, just in case the gecko isn’t enough to convince you that you want its insurance coverage. Plus, it receives some of the highest customer satisfaction scores compared to other insurers, boosting its Finder rating. An insurance company will check your credit history in most states as an assessment of your overall risk profile. If you failed to pay your bills and have late payments, accounts in collections or judgements against you, the insurance company might classify you as riskier than a reckless driver. Based on average premiums for those with poor credit, that factor results in an additional $1,100+ to your annual rate. Work to improve your credit to save money in the long run with Auto-Owners or other insurers who weigh credit in the determination of your premium.
Your contractor and the AAA Estimator will work together to attempt to resolve differences and make any necessary adjustments to the estimate for covered items within your policy. We recognize that additional damage may be discovered during the repair process. If additional damages are found by you or your contractor, please contact cheap auto insurance company your AAA Estimator immediately before repairing the unforeseen damage. Your AAA Estimator will review the damage and re-inspect your property if necessary to resolve any estimate differences. If your building loss exceeds $5,000, depreciation may be applied to your settlement depending on your policy and endorsement provisions.
Amica currently offers auto insurance in a limited number of states, but if you live in its service area, you could benefit from excellent discounts and reliable claims processing. Amica is one of the few carriers that offer drivers an option to receive up to 20% back on their annual premiums through dividends. This dividend policy benefit can lower your long-term policy cost while offering flexible dividend payment options that typically range from 5%-20% of your annual premium. Amica policyholders even have the option to apply the dividends to future years’ policy premiums. The best car insurance companies for 2021 offer wide coverage options, fantastic discounts, convenient resources, financial reliability and top customer satisfaction scores. To help you find the best car insurance company of 2021 for your needs, Bankrate’s insurance editorial team researched dozens of insurance providers to narrow down this year’s best options.
Does anyone here have Encompass Auto Insurance? – http://t.co/ucVchbF0
— Michael Maine (@ForYouInsurance) November 26, 2011
This covers you for damage caused by accidents that don’t involve colliding with another vehicle or object — hail damage, fire, flooding, theft, vandalism, collisions with animals, etc. An American Family Insurance agent is the perfect person to talk to. Cynthia Paez Bowman is a contributing writer for Reviews.com. Over the last two years, she has covered insurance, home security and more.
For example, if an annual auto insurance premium costs $800, adding UM/UIM insurance will run about $40 per year. State requirements are shown for uninsured motorist, bodily injury , uninsured motorist property damage coverage, and underinsured motorist property damage coverage along with required coverage limits. Let us help you navigate complex group health coverage options to find the best policy for your Michigan business.
Step-2 Insurance Details Our comparison tool will take you to customized insurance quotes. Shopping around can save you hundreds of dollars on your insurance. At Quote.com, our goal is to help you find the best quotes for a variety of products including insurance, home improvement, and more. We’ll get you exclusive quotes from a range of providers, so you can view multiple rates at once.
If you own your home, consider insuring it with the company that provides your auto insurance; most carriers offer bundling discounts. For the cheapest auto insurance after a DUI, we found the following options for full coverage. Progressive Home® policies are placed through Progressive Advantage Agency, Inc. with insurers affiliated with Progressive and with unaffiliated insurers. Each insurer is solely responsible for the claims on its policies and pays PAA for policies sold. Prices, coverages and privacy policies vary among these insurers, who may share information about you with us.
You can save even more if you raise your deductible to $1,000. Of course, though, this means paying more out of your pocket should you cause an accident, so make sure it is set at an amount you could pull from savings if need be. If you take precautions to thwart off car thieves, your insurance company usually shaves some off your bill. Travelers received below-average claims service ratings from J.D.
Auto-Owners Insurance will be providing a 15% premium refund to its personal automobile policyholders for the months of April and May. Many insurers have donated to nonprofits and charities that are serving people in need in this crisis. A number of commercial lines carriers are also offering premium relief or other accommodations for their insureds. Others have come up with special deals for health care workers and first responders. Allstate has said its own telematics data shows that people are driving between 35% and 50% fewer miles in most states. Discounts and their availability may vary by state and eligibility requirements.
Expensive Standalone Policies – Encompass is really pushing for bundling their home and auto insurance. This is also the reason why purchasing a standalone policy can be expensive. Compared to the national rating, Encompass Customer Satisfaction is considerably high.
The cheapest widely available insurer for young drivers is State Farm. To analyze insurance costs, we collected hundreds of thousands of quotes from across the country for various sample drivers. For drivers with minimum coverage, we adjusted the numbers above to reflect minimum required coverage by law in the state. Annual premium for a basic liability policy and is not available in all states. With renters insurance, your belongings are protected whether they’re in your apartment, backseat, or storage locker.
Enter your zip code below to view companies that have cheap insurance rates. When it comes to customer service, Safeco gets reasonably good scores in the J.D. If you buy both home and auto insurance with Safeco, you can save up to 15%. These discounts can be quite useful, given the high rates the company offers for some driver categories. The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. However, we may receive compensation when you click on links to products or services offered by our partners.
For this reason, choosing the right auto liability limits is the most important part of your car insurance quote comparison. NerdWallet typically recommends having at least as much liability coverage as your net worth. But to help you get going, we can show you average annual rates for minimum and full coverage car insurance by state and by company, from many of the largest insurers in each state.
USAA mainly offers coverage to military members and their families. USAA offers financial literacy classes to its members as well as retirement planning. Vern V. Moulton and four of his associates founded Auto-Owners Insurance Company in a single room in the Commercial Block Building in Mount Pleasant, Michigan. The company moved to Lansing, Michigan where it still is today. In its first year, Auto-Owners Insurance had only one book of policyholders and $174.25 in total assets. In 1935, Auto-Owners extended beyond Michigan and began writing policies in Indiana.
The original company destined to become Encompass was founded in 1897 and eventually came under the CNA Financial banner. As CNA Financial moved more towards commercial lines, they sold their lines insurance business to the Allstate Insurance Company. The sale took place in 1999, and in 2000 the company emerged as Encompass, a new Allstate subsidiary, offering re-branded products for a variety of personal insurance needs. Through an interesting history, Encompass Insurance has emerged as an insurance provider with unique options, tailored for a specific market. With their primary focus on personal insurance, the Encompass One policy is one to look at for those seeking to bundle auto and home.
With the app, you can chat with a personal assistant when you have questions about your policy or your recent claim. In our research, we found that Plymouth Rock insurance reviews are mostly negative, though there aren’t many reviews to work with overall. Looking at the company’s BBB page, we can see that it has an A+ rating. However, there is only one positive customer review and it’s for Plymouth Rock home insurance rather than auto. Given the relatively low number of total reviews on the BBB page, this isn’t necessarily a red flag. Allstate Corporation is the nation’s largest publicly held personal lines insurer, serving approximately 16 million households.
- Remember all the talk that digital transformation would disrupt the auto insurance industry?
- Encompass is a subsidiary of Allstate Insurance Company, which has been widely regarded as one of the top auto insurance companies in the country.
- They are a top all-around contender and have been offering insurance for over 100 years.
- Water damage coverage is optional on the two lower tiers, but the higher level of coverage isn’t available as an add-on.
III. The content of the insurance forms alone determines available coverages and exclusions. The number of mandatory forms used by an insurance company does not necessarily correspond with the extent of coverage, or the extent of coverage restrictions, in that company’s product. Furthermore, the number of an insurer’s mandatory forms is not an indicator of the content or degree of complexity of the insurance policy language. Consumers are encouraged to read their insurance policies carefully. It does, however, have plenty of information about the three tiers of coverage it offers, whether bundled in an EncompassOne policy or sold as standalone home or auto insurance policies.
Accidents happen, so making sure you’re covered is important. Like most providers, Progressive offers bodily injury and property damage liability to help protect you regardless of who is at fault when something goes wrong. The company will pay the other driver’s medical bills and for any damage. It will even protect you in the case of a lawsuit for the ultimate peace of mind. It does have a reputation for excellent customer service per some reviews; however, there’s no confirmation by the J.D. Power rating, where the company has a score 3 of 5 stars in the claims satisfaction and shopping study.
Being in the business for a very long time, I have found that most people are clueless about insurance, even most agents who sell them. The policy does not cover like, kind, and quality which is bad if cheap auto insurance california you have a new vehicle. If your credit is excellent, this will only help you get the best auto insurance rates. If your credit is poor, on the other hand, you might be asked to pay a whole lot more.
You can claim new car, multipolicy or teen driver discounts, and the company rewards good drivers with points that are redeemable for gift cards, sweepstakes and daily deals. Establishing a solid credit history can cut your insurance costs. Most insurers use credit information to price auto insurance policies. Research shows that people who effectively manage their credit have fewer claims. To protect your credit standing, pay your bills on time, don’t obtain more credit than you need and keep your credit balances as low as possible. Check your credit record on a regular basis and have any errors corrected promptly so that your record remains accurate.
Moreover, the demand for a strong online presence has gotten stronger and it has become more evident even for insurance companies. The Encompass Home Insurance Company seems to be lacking in this regard. There really is a need to improve the online platform of Encompass to cater to the development of modern technology and the client’s need for convenience. Claim-Free – Policyholders that have not filed a claim against their insurance for a certain number of years can purchase their homeowners insurance policy at a discounted rate. When it comes to product add-ons, Encompass surely provides variety and flexibility of options.