INSURANCE CARRIER

Encompass Insurance

Encompass Insurance is Allstate's independent-agent personal lines brand. Preferred-market positioning with bundled home, auto, and umbrella through a single-policy EncompassOne approach.

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RATINGS & OVERVIEW

How This Carrier Rates

Financial strength

A+ Superior (independent financial strength rating, Allstate-backed)

Customer satisfaction (personal)

Encompass typically ranks in the middle of independent personal lines customer satisfaction surveys, with home scores slightly better than auto.

Customer satisfaction (commercial)

Complaint score

Tracks near the industry average for personal lines.

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 including Georgia. Encompass is distinguished by its EncompassOne approach, which packages home, auto, and umbrella into a single policy with one renewal date and one bill. For Olive Cover personal lines customers, Nationwide, Travelers, Safeco, and The Hartford are our comparable active comparison-set alternatives in the same preferred-market segment.

WHY CHOOSE THEM

What This Carrier Does Well

Strength 01

EncompassOne single-policy approach simplifies administration for customers with home plus auto plus umbrella

Strength 02

Allstate financial backing provides A-plus rating and broad claims infrastructure

Strength 03

Established IA distribution with stable carrier appetite for preferred-market standard risks

LIMITATIONS TO KNOW

Where They Fall Short

Consideration 01

Single-policy bundle structure can be less flexible than per-line policies if customer needs change

Consideration 02

Customer satisfaction scores generally trail top IA carriers like Cincinnati, Auto-Owners, and Safeco

Consideration 03

Available in 39 states (not all 50), with appetite concentrations that may not match every Georgia profile

Best Fit For

Preferred-market homeowners and drivers who want bundled home plus auto plus umbrella in a single policy. Encompass fits standard preferred risks with clean loss history, homes built after 1985, multi-vehicle households, and customers who value administrative simplicity (one policy, one renewal date).

Not A Good Fit For

High-value home customers (AIG, Chubb, PURE), digital-first homeowner experience seekers (Openly, Hippo, Branch), drivers with recent incidents (Progressive non-standard, National General), and customers who want a la carte coverage flexibility rather than a packaged bundle.

APPETITE & COVERAGE

What They Write

Coverage Types

Personal auto, homeowners, condo, renters, personal umbrella, motorcycle (limited), valuables

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.

Industry Classes

Refer to carrier overview for industry positioning.

Admitted Status

Admitted in Georgia for personal lines.

CLAIMS & PRICING

What to Expect

Claims Experience

Encompass leverages Allstate's claims infrastructure, providing broad geographic adjuster coverage. Claims experience is comparable to standard-market Allstate.

Pricing Context

Encompass personal lines pricing sits in the standard preferred market range with the EncompassOne bundle as the differentiator. For Olive Cover customers shopping in this segment, Nationwide and Travelers offer comparable bundle pricing with more flexible policy structures.

vs Competitors

Closest profile alternatives are Nationwide (strongest bundled home plus auto in metro Atlanta) and Travelers (broad IA personal lines appetite with strong financial rating). Both offer per-line policy flexibility that EncompassOne bundles less directly.

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Call to report a claim:

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STATE AVAILABILITY

Where They Write

States Available

39 states including GA

Personal Lines States

Commercial Lines States

Do We Work With Them?

Encompass is available across Georgia for preferred personal lines risks. Allstate-backed financial strength provides broad capacity for standard preferred bundled accounts.

COMMON QUESTIONS

Frequently Asked Questions

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