How is the customer service and claims handling at Encompass Insurance Company? How good is Encompass Insurance Company‘s auto insurance & homeowners insurance? Does the company have a lot of complaints? This review will help you answer these important questions and decide if Encompass Insurance Company is best for you!
Auto insurance & home insurance customers do not have a lot of objective information available to them to review how well their insurance company will provide customer service & handle claims. Unfortunately, paying more for auto & home insurance does not mean better service or a fair claims settlement, so the price you pay is not an indication of whether you will have a problem with your insurance and feel ripped off.
There are plenty of individual reviews on the Internet of problems with claims or service for every insurance company. But reading complaints based on one person’s review on the Internet does not inform you if the majority of customers are happy with the insurance company, since happy customers rarely write reviews on the Internet. Even a website full of complaint stories & personal reviews are anecdotal and not statistically significant. You need to look at large numbers to really spot a trend in poor service. This is why my reviews use complaint ratios determined by the National Association of Insurance Commissioners, based on an insurance company’s market share, so you have an objective measure to compare insurance companies for customer service & claims.
However, complaint ratios may not be simple and easy for people to interpret at a glance, athough I explain them on my website. I established a grading system, giving grades to Encompass insurance based on its complaint ratios, to make it easier to compare with the other companies reviewed on my site, and assist you in finding the best auto & home insurance companies, and avoid the worst insurance companies.
B = Better than average. Insurance companies with complaint ratios less than 75% of the average insurance company.
C = Average. Insurance companies with complaint ratios from 75% to 125% of the average insurance company.
W = Worse than average. Insurance companies with complaint ratios more than 125% of the average insurance company.
Consider these grades, along with price and other factors (as listed on my website), when choosing an auto or home insurance company.
Encompass Insurance has several subsidiary homeowners insurance and auto insurance companies. Make sure you know the correct name of the Encompass Insurance subsidiary company quoting or insuring you, to check the proper complaint grade. Some subsidiaries are available only in certain states or may no longer sell new policies.
Encompass Insurance Company Review of 2012, 2011, & 2010 Complaint Ratings for Auto Insurance
Encompass Floridian Indemnity Company
2011 Auto Insurance Complaint Ratio = B (0) (No Complaints)
2010 Auto Insurance Complaint Ratio = B (0) (No Complaints)
Encompass Floridian Insurance Company = A+
2011 Auto Insurance Complaint Ratio = B (0) (No Complaints)
2010 Auto Insurance Complaint Ratio = B (0) (No Complaints)
Encompass Home & Auto Insurance Company
2011 Auto Insurance Complaint Ratio = C (.87)
2010 Auto Insurance Complaint Ratio = B (.28)
Encompass Indemnity Company
2011 Auto Insurance Complaint Ratio = B (.66)
2010 Auto Insurance Complaint Ratio = C (1.09)
Encompass Independent Insurance Company
2011 Auto Insurance Complaint Ratio = B (0) (No Complaints)
2010 Auto Insurance Complaint Ratio = B (0) (No Complaints)
Encompass Insurance Company
2011 Auto Insurance Complaint Ratio = B (.65)
2010 Auto Insurance Complaint Ratio = C (.84)
Encompass Insurance Company of America
2011 Auto Insurance Complaint Ratio = C (.95)
2010 Auto Insurance Complaint Ratio = C (.75)
Encompass Insurance Company of MA
2011 Auto Insurance Complaint Ratio = B (.21)
2010 Auto Insurance Complaint Ratio = B (.44)
Encompass Insurance Company of NJ
2011 Auto Insurance Complaint Ratio = B (.45)
2010 Auto Insurance Complaint Ratio = B (.58)
Encompass Property & Casualty Company
2011 Auto Insurance Complaint Ratio = B (.27)
2010 Auto Insurance Complaint Ratio = B (.71)
Encompass Property & Casualty Insurance Company of NJ
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2011 Auto Insurance Complaint Ratio = C (.90)
2010 Auto Insurance Complaint Ratio = B (0) (No Complaints)
Encompass Insurance Company Review of 2012, 2011, & 2010 Complaint Ratings for Homeowners Insurance
Encompass Floridian Indemnity Company
2011 Home Insurance Complaint Ratio = No policies.
2010 Home Insurance Complaint Ratio = B (0) (No Complaints)
Encompass Floridian Insurance Company
2011 Home Insurance Complaint Ratio = No policies.
2010 Home Insurance Complaint Ratio = No policies.
Encompass Home & Auto Insurance Company
2011 Home Insurance Complaint Ratio = B (.14)
2010 Home Insurance Complaint Ratio = B (.40)
Encompass Indemnity Company
2011 Home Insurance Complaint Ratio = B (.15)
2010 Home Insurance Complaint Ratio = C (.79)
Encompass Independent Insurance Company
2011 Home Insurance Complaint Ratio = W (3.29)
2010 Home Insurance Complaint Ratio = B (0) (No Complaints)
Encompass Insurance Company
2011 Home Insurance Complaint Ratio = C (.80)
2010 Home Insurance Complaint Ratio = C (.80)
Encompass Insurance Company of America
2011 Home Insurance Complaint Ratio = B (.45)
2010 Home Insurance Complaint Ratio = C (.81)
Encompass Insurance Company of MA
2011 Home Insurance Complaint Ratio = B (0) (No Complaints)
2010 Home Insurance Complaint Ratio = B (0) (No Complaints)
Encompass Insurance Company of NJ
2011 Home Insurance Complaint Ratio = W (2.11)
2010 Home Insurance Complaint Ratio = B (.67)
Encompass Property & Casualty Company
2011 Home Insurance Complaint Ratio = B (.37)
2010 Home Insurance Complaint Ratio = B (.37)
Encompass Property & Casualty Insurance Company of NJ
2011 Home Insurance Complaint Ratio = B (0) (No Complaints)
2010 Home Insurance Complaint Ratio = B (0) (No Complaints)
Thanks for reading this review. Now you know the complaint records for the Encompass insurance subsidiary companies. The next step is to get price quotes. By shopping your auto insurance or homeowners insurance with ALL the leading insurance companies, you can get a great price AND great customer service & claims handling. Use my website to find all the leading insurance companies, evaluate their customer service, and find the best price for you.
What do you think about this Encompass Insurance Company review? Tell me about it. Comment on my facebook page. Email me at help@smartshopyourcarinsurance.com if you have questions and would like my help. Follow me on Twitter for important insurance consumer news and new blog entries at CarInsWatch.