Is Encompass a good insurance company?

UPDATED: Nov 23, 2011

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UPDATED: Nov 23, 2011Fact Checked

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Asked November 23, 2011

1 Answer

Encompass is known as the national company with a local focus. They have more than 1700 employees and are further represented by over 3200 independent agents and brokers, and have written policies for more than 1.3 million customers. The company sells, auto, home and special coverage's, including boat and motorcycle insurance. Encompass is a subsidiary of Allstate insurance, and all policies written by encompass are reinsured through the Allstate brand.

Financial Rating
The A.M. Best Company rates Encompass insurance as AA- and gives them a long term rating of AA. The company is strong and stable and would have ranked higher if they were a larger company. As a subsidiary of Allstate, Encompass has a long and stable background to shore it up, even through tough economic times.

Customer Satisfaction
In customer reviews and comments, Encompass Insurance repeatedly gets thumbs up in areas of customer service and claims handling. Even in customer ratings, which are notoriously low for most companies, Encompass Insurance received a 45% customer satisfaction rating, a score that is even better than that of the parent company.

Company Availability
Encompass Insurance is available nationwide through independent agents. For policy buyers, the fact that Encompass is independently marketed means more competitive rates and policies that are customized to fit individual needs. Dedicated agents are those who work directly for the company, receiving their pay independent brokers, on the other hand, get their income from sales to customers, not from the company, which makes them more interested in providing you with the coverage you need rather than insisting you purchase stock policies that may leave gaps in your coverage.

The Bottom Line
Encompass Insurance is relatively new, but they are backed with the entire history of the Allstate company, a name that has been trusted for decades. The company is well rated by financial ratings companies and customers alike. They are a sound investor opportunity and a dependable company for consumers to do business with.

Answered November 23, 2011 by Anonymous

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