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.
Ratings
How This Carrier Rates
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 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
EncompassOne single-policy approach simplifies administration for customers with home plus auto plus umbrella
Allstate financial backing provides A-plus rating and broad claims infrastructure
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
Customer satisfaction scores generally trail top IA carriers like Cincinnati, Auto-Owners, and Safeco
Available in 39 states (not all 50), with appetite concentrations that may not match every Georgia profile
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. 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
- Line of Business
- Personal Lines - Georgia
- Coverage Types
- Personal auto, homeowners, condo, renters, personal umbrella, motorcycle (limited), valuables
- States Available
- 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. For Olive Cover customers shopping in this segment, Nationwide and Travelers offer comparable bundle pricing with more flexible policy structures.
Claims Experience
Encompass leverages Allstate's claims infrastructure, providing broad geographic adjuster coverage. Claims experience is comparable to standard-market Allstate.
File a Claim
- Phone 866-621-2174
- Hours24/7 phone (Encompass direct, Allstate-backed)
- Online Claims portal
Admitted Status: Admitted in Georgia for personal lines.
Compared
How They Compare
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.
Quick Facts