Encompass Insurance Review: AM Best, JD Power Ratings & Auto & Home Insurance Customer Complaint Record

This Encompass Insurance review will evaluate, for the most recent six year period where reliable statistics are available (2009-2014), the home & auto insurance complaint ratings for the subsidiary companies of Encompass insurance group of companies, to determine whether each subsidiary, such as Encompass Home & Auto Insurance Company, has a better-than-average, average, or worse-than-average customer complaint record.

In addition to reviewing & rating its most recent six year complaint record, I’ll analyze the change in the JD Power home & auto insurance scores & ratings for Encompass insurance from 2012 to 2015, and compare them to the scores of leading competitors, like State Farm, Allstate, Farmers, Travelers, Safeco, Nationwide, Liberty Mutual, Progressive, & GEICO. I’ll review the AM Best Financial Strength ratings for the Encompass insurance companies, too.

Be sure to use the information in this review and the ad below this paragraph (or the ad at the end of this review) to request price quotes from multiple insurance companies, and find the best auto or home insurance company for you.

The detailed information in this review compares Encompass auto & home insurance to the industry average and competing companies for customer service, claims processing performance, customer complaints, financial strength, and insurance rates, but if If you don’t want to read all the details, you can go to this review on my website here, to see if Encompass Insurance consistently performs better than average, average, or worse than average for customer service, claims, and pricing, and compare Encompass to over 40 other U.S. auto & home insurance companies.

I update my reviews throughout the year as new data becomes available, so be sure to bookmark or place my website in your favorites, so you can keep up on how Encompass and other major insurance companies perform in the future. If the information in this review helps you, please like this review on Facebook and share the link to it on the Web and through social media.


Encompass Insurance Review

Encompass Insurance sells auto & home insurance through approximately 2,800 independent insurance agencies, located in 42 states across the USA. Encompass is not available in Alaska, Florida, Hawaii, Idaho, Mississippi, Montana, Nebraska, North Dakota, South Dakota, & Wyoming. Allstate Insurance purchased the personal lines (home, auto, etc.) insurance division from CNA in 1999-2000, and created the Encompass companies to operate, and be a brand, separate from Allstate. Allstate insurance agents do not sell Encompass insurance products. Encompass is best known for its package policy, to insure a customers autos, home, boat, etc., together under one policy. The Encompass package policy is named The Encompass One Policy, and it is available in most states where Encompass operates, except Massachusetts, North Carolina, & Texas.

This Encompass Insurance review is divided into four sections, considering its: 1. AM Best Financial Strength Ratings 2. JD Power insurance customer & claims satisfaction scores & ratings for Encompass Insurance compared to competing companies 3. auto & home insurance customer complaint record over the last five years, and 4. a review summary of Hallmark Insurance, rating its customer complaint record as average, better than average, or below average, and the competitiveness of its auto & homeowners insurance rates.

1. AM Best Financial Strength Ratings for the Encompass Insurance Companies

These Encompass companies — Encompass Home and Auto Insurance Company, Encompass Indemnity Company, Encompass Independent Insurance Company, Encompass Insurance Company, Encompass Insurance Company of America, Encompass Insurance Company of Massachusetts, and Encompass Property & Casualty Company — had their A+ (Superior) AM Best Financial Strength Rating with a stable outlook (no ratings upgrade or downgrade is expected in the near future) affirmed on 02/12/2015. A+ is the second highest rating for AM Best.

The Encompass subsidiaries operating in New Jersey, Encompass Insurance Company of New Jersey and Encompass Property and Casualty Insurance Company of New Jersey, had their AM Best financial strength rating of A- (Excellent) affirmed on 02/25/2015 with a stable outlook. A- is the fourth highest rating for AM Best.

The Encompass subsidiaries operating in Florida, Encompass Floridian Insurance Company and Encompass Floridian Indemnity Company, had their AM Best financial strength rating of B- (Fair) affirmed on 07/28/2015, now with a stable outlook, where no ratings downgrade or upgrade is expected in the near future, changed from it negative financial outlook in 2014.

I become concerned with any auto, home, or life insurance company / subsidiary with less than an A- rating for financial strength from AM Best. Many Florida insurance companies have “A” ratings for financial stability from a rating firm called Demotech, but I would not assume they are financially stronger than the two Florida Encompass subsidiaries shown above. If you are insured with either Encompass Floridian Insurance Company and Encompass Floridian Indemnity Company, you may want to consider other insurance companies with a higher AM financial strength rating, if they are available to you.

AM Best financial strength ratings are not a measure of customer service or the quality of the claims adjusting for any of the Encompass companies, but an opinion about their ability to pay claims, remain financially solvent, and stay in business. I recommend avoiding, if possible or practical, any auto, life, or homeowners insurance company with lower than an “A-” rating for financial strength from AM Best. Other major auto & home insurance companies may have a higher or lower financial strength rating than the Encompass companies shown above, but the difference in financial strength among A++, A+, A, & A- rated companies is not significant to me unless higher rated companies are the same or better in terms of price, coverage, claims handling, and customer service.

2. Encompass JD Power Auto & Home Insurance Ratings for 2012, 2013, 2014, & 2015

This part of the review will analyze the JD Power ratings & numerical scores for Encompass Insurance, in all the JD Power insurance studies where the company was included from 2012 to 2015, to see if its JD Power ratings truly reflect the quality of the claims & customer service for the company.

I’ll compare the numerical scores (instead of the power circle rating) for Encompass auto & home insurance, to the industry average and the scores of competing insurance companies, for each JD Power insurance study (2012-2015) where it was rated. Encompass was included in the following annual JD Power insurance studies:

The Annual JD Power Auto Insurance Claims Satisfaction Study (2012 only)

The Annual JD Power Homeowners Insurance Customer Satisfaction Study

The Annual JD Power Property (Home) Insurance Claims Satisfaction Study

You can scroll down to read my analysis or summaries of the studies most interesting to you.

The Annual JD Power Auto Insurance Claims Satisfaction Study

2014: Encompass was not included in the 2014 JD Power U.S. Auto Claims Satisfaction Study.

2013: Encompass was not included in the 2013 JD Power U.S. Auto Claims Satisfaction Study.

2012: Encompass scored 32 points (on a 1,000 point scale) or 3.2% below the 2012 JD Power Auto Claims Satisfaction study average, at 820 out of 1,000 points.

These companies scored 1.8% or more higher than Encompass in the 2012 JD Power Auto Claims Satisfaction study: NJ Manufacturers, USAA, Auto-Owners, Amica, Erie, Automobile Club of Southern California, Country, American Family, The Hartford, State Farm, Allstate, Travelers, CSAA/AAA NCNU, Nationwide, GMAC (Now called National General), Auto club, The Hanover, Liberty Mutual, GEICO, Progressive, Metlife, Safeco, and Farmers.

These companies scored 1.9% or more lower than Encompass in the 2012 JD Power Auto Claims Satisfaction study: Esurance and Commerce (MAPFRE).

Auto Insurance Claims Satisfaction Summary: Encompass has not been included in this JD Power study recently, but its 3.2% below average performance in 2012 is still cause to question its auto claims satisfaction in 2015.

The Annual JD Power Homeowners Insurance Customer Satisfaction Study

2015: Encompass scored 9 points (on a 1,000 point scale) or .9% below the 2015 JD Power Homeowners Insurance Customer Satisfaction study average, at 778 out of 1,000 points.

Here is how Encompass rated in the five factors used to determine its overall homeowners insurance customer satisfaction score in 2015:

Policy Offerings: Three Power Circles (about average)

Price: Three Power Circles (about average)

Billing & Payment: Two Power Circles (lowest rating)

Contacting the Insurer: Two Power Circles (lowest rating)

Claims: Four Power Circles (better than most)

Overall Homeowners Insurance Satisfaction: Three Power Circles (about average)

Farmers scored about the same (one point above) as Encompass in the 2015 JD Power Homeowners Insurance Customer Satisfaction study.

These companies scored .5% or more higher than Encompass in the 2015 JD Power Homeowners Insurance Customer Satisfaction study (from highest scoring company to lowest scoring company): USAA, Amica, Auto-Owners, Erie, Auto Club of Southern California, GEICO, American Family, COUNTRY Financial, Shelter, State Farm, Nationwide, Allstate, California State Auto Association (CSAA), Hartford, Chubb, Progressive, Cincinnati, and Mercury.

These companies scored .4% or more lower than Encompass in the 2015 JD Power Homeowners Insurance Customer Satisfaction study (from highest scoring company to lowest scoring company): Automobile Club Group, Metlife, Kemper, Liberty Mutual, Safeco, Travelers, and Hanover.

2014: Encompass was not included in the 2014 JD Power Homeowners Insurance Customer Satisfaction study.

2013: Encompass scored 11 points (on a 1,000 point scale) or 1.1% above the 2013 JD Power Homeowners Insurance Customer Satisfaction study average, at 798 out of 1,000 points.

These companies scored 1% or more higher than Encompass in the 2013 JD Power Homeowners Insurance Customer Satisfaction study: USAA, Amica, State Farm, Auto-Owners, Erie, and Automobile Club of Southern California.

These companies scored .9% or more lower than Encompass in the 2013 JD Power Homeowners Insurance Customer Satisfaction study: Allstate, GEICO, The Hartford, CSAA/AAA NCNU, Nationwide, Metlife, Safeco, Auto Club, Chubb, The Hanover, Farmers, Liberty Mutual, and Travelers.

2012: Encompass scored 3 points (on a 1,000 point scale) or .3% above the 2012 JD Power Homeowners Insurance Customer Satisfaction study average, at 788 out of 1,000 points.

These companies scored 1.5% or more higher than Encompass in the 2012 JD Power Homeowners Insurance Customer Satisfaction study: USAA, Amica, Auto Club of Southern California, Erie, American Family, Shelter, Cincinnati Insurance, State Farm, and Nationwide.

These companies scored 1.7% or more lower than Encompass in the 2012 JD Power Homeowners Insurance Customer Satisfaction study: Auto Club, CSAA/AAA NCNU, The Hanover, Liberty Mutual, Metlife, Farmers, and Travelers.

Homeowners Insurance Customer Satisfaction Summary: Encompass scored .3% above, 1.1% above, and .9% below the national average each year in the 2012, 2013, & 2015 studies respectively. Encompass was not included in the 2014 JD Power Homeowners Insurance Customer Satisfaction study, but its score dropped 20 points (2%) from 2013 to 2015, showing a decline in homeowners insurance customer satisfaction.

The Annual JD Power Property Claims Satisfaction Study

The 2016 Property Claims Satisfaction Study is based on more than 5,700 responses from homeowners insurance customers who filed a property claim between January 2014 & December 2015.

2016: Encompass scored 17 points (on a 1,000 point scale) or 1.7% above the 2016 US Property Claims Satisfaction study average, at 863 out of 1,000 points.

Here is how Encompass rated in the five factors used to determine its overall property claims satisfaction score in 2016:

First Notice of Loss: Four Power Circles (better than most)

Service Interaction: Five Power Circles (among the best)

Estimation Process: Four Power Circles (better than most)

Repair Process: Three Power Circles (about average)

Settlement: Four Power Circles (better than most)

Overall Property Claims Satisfaction: Four Power Circles (better than most)

These companies scored the same as Encompass in the 2016 US Property Claims Satisfaction study: Country and Erie. However, Encompass was the only one of these three companies to receive the highest rating of five power circles for the important category of Service Interaction.

These companies scored 1.2% or more higher than Encompass in the 2016 US Property Claims Satisfaction study (from highest scoring company to lowest scoring company): Amica, Auto Club of Southern California, and USAA.

These companies scored .6% or more lower than Encompass in the 2016 US Property Claims Satisfaction study (from highest scoring company to lowest scoring company): Safeco, State Farm, Liberty Mutual, The Hanover, Nationwide, American Family, Chubb, California State Auto Association (CSAA), Farmers, Allstate, Metlife, Travelers, Auto-Owners, Hartford, and MAPFRE (Commerce).

2015: Encompass scored 6 points (on a 1,000 point scale) or .6% above the 2015 US Property Claims Satisfaction study average, at 857 out of 1,000 points.

The 2015 Property Claims Satisfaction Study was based on more than 6,100 responses from homeowners insurance customers who filed a property claim between January 2013 & December 2014.

Here is how Encompass rated in the five factors used to determine its overall property claims satisfaction score in 2015:

First Notice of Loss: Three Power Circles (about average)

Service Interaction: Four Power Circles (better than most)

Estimation Process: Four Power Circles (better than most)

Repair Process: Three Power Circles (about average)

Settlement: Four Power Circles (better than most)

Overall Property Claims Satisfaction: Three Power Circles (about average)

These companies scored 1.1% or more higher than Encompass in the 2015 US Property Claims Satisfaction study: USAA, Amica, Nationwide, Country, Erie, Chubb, and Travelers.

These companies scored 1% or more lower than Encompass in the 2015 US Property Claims Satisfaction study: Farmers, Safeco, Liberty Mutual, Auto Club of Southern California, American Family, The Hanover, Auto-Owners, and Auto Club.

2014: Encompass was not included in the 2014 JD Power Property Claims Satisfaction study.

2013: Encompass scored 35 points (on a 1,000 point scale) or 3.5% above the 2013 JD Power Property Claims Satisfaction study average, at 867 out of 1,000 points.

These companies scored 3.5% or more higher than Encompass in the 2013 JD Power Property Claims Satisfaction study: Amica, USAA, and Chubb.

These companies scored 1.4% or more lower than Encompass in the 2013 JD Power Property Claims Satisfaction study: Auto Club of Southern California, Metlife, Auto-Owners, American Family, Liberty Mutual, Allstate, Travelers, State Farm, Farmers, CSAA/AAA NCNU, and Safeco.

2012: Encompass was not included in the 2012 JD Power Property Claims Satisfaction study.

Homeowners Insurance Claims Satisfaction Summary: Encompass was rated in only three of the last five years (2012 to 2016), and scored 3.5%, .6%, & 1.7% above the average in the 2013, 2015, & 2016 studies respectively, showing an above average level of satisfaction in the national JD Power Property Claims Satisfaction study for these three years.

3. Encompass Auto & Homeowners Insurance Complaint Statistics & Ratings

Another measure of quality for an auto or home insurance company is the number of upheld complaints filed against it with a state’s insurance regulatory authority, adjusted for the company’s market share. This part of the review will show you if Encompass auto & home insurance has a better-than-average, average, or below-average complaint record for 2009, 2010, 2011, 2012, 2013 & 2014.

You may really like your car or homeowners insurance company, or you may have heard from relatives or friends about the insurance companies they think are best, but you never really know how good your insurance company will be, until you have a serious claim. The good news is many insurance companies settle a good portion of their claims in a manner acceptable to the majority of their customers. However, the wise consumer should avoid insurance companies with a worse than average history of auto or home insurance complaints.

The most common reasons, for people to file auto & home insurance complaints with a state insurance department against insurance companies, are for delays in a claim payment, unsatisfactory payment of a claim, and denial of a claim. The complaint statistics used in this Encompass insurance companies review are the number of upheld complaints filed against Encompass, with a state’s insurance regulatory authority, adjusted for each company’s market share, as determined by the National Association of Insurance Commissioners. This section of my review provides valuable information to help you decide if Encompass is best for you. By choosing a company with a better-than-average complaint history, or at least avoiding companies with consistent, worse-than-average complaint records, you decrease the likelihood you will have a negative experience, when you need your auto or home insurance company.

The auto & homeowners insurance complaint statistics for the Encompass insurance companies listed below were calculated by the NAIC, and display the ratio of the company’s U.S. market share of closed complaints compared to its U.S. market share of premiums for a specific policy type. Complaint ratios lower than “1” have less complaints than average, and complaint ratios over “1” have more complaints than average. The lower the complaint ratio, the less complaints against the company. Ideally, you want to choose an insurance company with complaint ratios much less than 1.00 each year, over the last three years.

Don’t worry about comparing complaint ratio numbers, I devised a rating system to help you identify if an Encompass insurance subsidiary has a good or poor complaint record.

Here’s how I establish my auto & homeowners insurance complaint ratings:

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. I use a minus sign (-) to indicate auto insurance complaint ratios slightly worse than average (1.05 to 1.25) and a plus sign (+) for auto insurance complaint ratios slightly better than average (.95 to .75).

W = Worse than average. Insurance companies with complaint ratios more than 125% of the average insurance company.

I prefer companies with the longest recent history of “B” ratings each year (or at least in the most recent three years). Companies with “B” or “C+” ratings are okay, too, particularly if they have less market share, with less than $50,000,000 in premiums for that line of insurance (auto or home) each year. I prefer to avoid companies with a consistently higher than average number of complaints, or with inconsistent complaint records, unless there are mitigating factors, such as a very small market share.

Encompass is composed of eleven insurance company subsidiaries, some of which sell auto and/or home insurance in the same states.

I. Encompass Auto Insurance Complaints

I review the auto insurance complaint data for nine of the Encompass subsidiary companies insuring private passenger vehicles, in the states where Encompass sells auto insurance. The use of more than one auto or home insurance subsidiary company is usually to offer different pricing to specific risk profiles such as drivers with a clean driving record vs. drivers with tickets and accidents, or affinity groups (for example, Costco members, government employees, etc.), to operate in a certain US state or group of states, or offer specific lines of insurance, such as business insurance or life insurance..

Encompass Floridian Indemnity Company (FL only) had only $112,118 in 2013 US auto insurance premiums (down from $2,407,161 in 2010, and now has no auto insurance policies in force for 2014), and Encompass Floridian Insurance Company (FL only) had only $270,361 in 2013 US auto insurance premiums (down from $4,507,713 in 2010, and now has no auto insurance policies in force for 2014). Encompass no longer sells new auto insurance policies in Florida, so these two subsidiaries are not included in this auto insurance complaints analysis.

Encompass Home & Auto Insurance Company Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Auto Insurance Complaint Ratio = B (.65)

2014 US auto insurance premium = $213,275,594

2013 Auto Insurance Complaint Ratio = B (.53)

2013 US auto insurance premium = $185,274,497

2012 Auto Insurance Complaint Ratio = C (1.04)

2012 US auto insurance premium = $145,050,982

2011 Auto Insurance Complaint Ratio = C+ (.87)

2011 US auto insurance premium = $108,135,593

2010 Auto Insurance Complaint Ratio = B (.28)

2010 US auto insurance premium = $92,009,403

2009 Auto Insurance Complaint Ratio = B (.54)

The Encompass Home & Auto Insurance Company subsidiary sells auto insurance in Georgia, Illinois, Kansas, Maryland, Nevada, New York, Ohio, Pennsylvania, Texas, & West Virginia. Encompass Home & Auto Insurance Company has had a lower than average number of auto insurance complaints in five of the last six years, with its number of auto insurance complaints in its worst year during the 2009-2014 period (2012) at only 4% greater than the industry average. The auto insurance market share for Encompass Home & Auto Insurance Company has increased greatly each year since 2010, which may be a strong indication of competitive pricing for its auto insurance, in at least some of the states where it operates.

Encompass Insurance Company of America Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Auto Insurance Complaint Ratio = C- (1.09)

2014 US auto insurance premium = $78,487,224

2013 Auto Insurance Complaint Ratio = C+ (.85)

2013 US auto insurance premium = $89,100,309

2012 Auto Insurance Complaint Ratio = B (.68)

2012 US auto insurance premium = $104,593,647

2011 Auto Insurance Complaint Ratio = C (.96)

2011 US auto insurance premium = $125,455,064

2010 Auto Insurance Complaint Ratio = C+ (.75)

2010 US auto insurance premium = $157,458,729

2009 Auto Insurance Complaint Ratio = C+ (.80)

The Encompass Insurance Company of America subsidiary sells auto insurance in most of the states where the Encompass group of companies operate, except California, Massachusetts, Michigan, North Carolina, & New Jersey. Encompass Insurance Company of America had a lower than average number (albeit sometimes close to average) of auto insurance complaints each year from 2009 to 2013, but its number of auto insurance complaints in 2014 was 9% more than the industry average. The auto insurance market share for Encompass Insurance Company of America has decreased each year since 2010, which may be an indication Encompass Insurance Company of America no longer has competitive pricing for its auto insurance, in at least some of the states where it operates.

Encompass Indemnity Company Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Auto Insurance Complaint Ratio = B (.52)

2014 US auto insurance premium = $223,489,042

2013 Auto Insurance Complaint Ratio = B (.68)

2013 US auto insurance premium = $207,757,373

2012 Auto Insurance Complaint Ratio = C+ (.93)

2012 US auto insurance premium = $192,342,006

2011 Auto Insurance Complaint Ratio = B (.62)

2011 US auto insurance premium = $179,560,159

2010 Auto Insurance Complaint Ratio = C- (1.09)

2010 US auto insurance premium = $186,096,049

2009 Auto Insurance Complaint Ratio = C- (1.19)

The Encompass Indemnity Company is the largest Encompass auto insurance subsidiary, and it sells auto insurance in most of the states where the Encompass group of companies operate, except California, Illinois, Massachusetts, Maine, & New Jersey. Encompass Indemnity Company had a lower than average number of auto insurance complaints in the most recent four of the last six years, with its number of auto insurance complaints in 2012 at 93% of the industry average. The auto insurance market share for Encompass Indemnity Company has increased each year since 2011, which may be an indication Encompass Indemnity Company has competitive pricing for its auto insurance, in at least some of the states where it operates.

Encompass Property & Casualty Company Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Auto Insurance Complaint Ratio = B (.34)

2014 US auto insurance premium = $31,714,419

2013 Auto Insurance Complaint Ratio = B (.69)

2013 US auto insurance premium = $31,417,477

2012 Auto Insurance Complaint Ratio = B (0) (No complaints)

2012 US auto insurance premium = $30,568,863

2011 Auto Insurance Complaint Ratio = B (.27)

2011 US auto insurance premium = $31,890,866

2010 Auto Insurance Complaint Ratio = B (.71)

2010 US auto insurance premium = $35,874,416

2009 Auto Insurance Complaint Ratio = W (1.30)

The Encompass Property & Casualty Company is a smaller auto insurance subsidiary, about 15% the size of the largest Encompass auto insurance subsidiary, and insures vehicles in Arizona, Georgia, Illinois, Louisiana, Michigan, Minnesota, New York, Texas, & Virginia. Encompass Property & Casualty Company has had a better-than-average auto insurance complaint history in the most recent five of the last six years. Its number of auto insurance complaints in 2009 was 30% greater than the industry average, but that was six years ago. The auto insurance market share for Encompass Property & Casualty Company has been flat in recent years and less than it was in 2010, which may be an indication Encompass Property & Casualty Company no longer has competitive pricing for its auto insurance, in at least some of the states where it operates.

Encompass Insurance Company Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Auto Insurance Complaint Ratio = B (.52)

2014 US auto insurance premium = $40,741,634

2013 Auto Insurance Complaint Ratio = C (1.04)

2013 US auto insurance premium = $41,954,444

2012 Auto Insurance Complaint Ratio = W (1.31)

2012 US auto insurance premium = $40,725,053

2011 Auto Insurance Complaint Ratio = B (.65)

2011 US auto insurance premium = $39,528,497

2010 Auto Insurance Complaint Ratio = C+ (.84)

2010 US auto insurance premium = $40,531,070

2009 Auto Insurance Complaint Ratio = W (2.51)

The Encompass Insurance Company is a smaller auto insurance subsidiary, and insures vehicles in California only. Encompass Insurance Company has an inconsistent auto insurance complaint history, with a higher than average number of auto insurance complaints in 2009, 2012, & 2013, and a lower than average number of auto insurance complaints in 2010, 2011, & 2014. Its number of auto insurance complaints in its worst year during this period (2009) was 251% of the industry average. Auto insurance market share growth for Encompass Insurance Company has been flat since 2010, which may be an indication Encompass Property & Casualty Company may not have competitively priced auto insurance in California.

Encompass Insurance Company of Massachusetts Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Auto Insurance Complaint Ratio = B (0) (No complaints)

2014 US auto insurance premium = $30,568,274

2013 Auto Insurance Complaint Ratio = B (.32)

2013 US auto insurance premium = $34,051,563

2012 Auto Insurance Complaint Ratio = B (0) (No complaints)

2012 US auto insurance premium = $37,301,567

2011 Auto Insurance Complaint Ratio = B (.22)

2011 US auto insurance premium = $39,754,589

2010 Auto Insurance Complaint Ratio = B (.44)

2010 US auto insurance premium = $38,594,045

2009 Auto Insurance Complaint Ratio = C+ (.77)

Encompass Insurance Company of Massachusetts insures vehicles in Massachusetts only. Encompass Insurance Company of Massachusetts has a lower than average number of auto insurance complaints each year from 2009 to 2014. In its worst year during this period, the number of auto insurance complaints for Encompass Insurance Company of Massachusetts was 77% of the industry average. The auto insurance market share for Encompass Insurance Company of Massachusetts has decreased each year since 2011, which may be an indication Encompass Insurance Company of Massachusetts no longer has competitive pricing for its auto insurance.

Encompass Insurance Company of NJ Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Auto Insurance Complaint Ratio = B (0) (No complaints)

2014 US auto insurance premium = $30,358,274

2013 Auto Insurance Complaint Ratio = B (0) (No complaints)

2013 US auto insurance premium = $36,978,473

2012 Auto Insurance Complaint Ratio = B (.58)

2012 US auto insurance premium = $46,050,432

2011 Auto Insurance Complaint Ratio = B (.45)

2011 US auto insurance premium = $57,363,864

2010 Auto Insurance Complaint Ratio = B (.58)

2010 US auto insurance premium = $72,947,415

2009 Auto Insurance Complaint Ratio = W (1.44)

The Encompass Insurance Company of New Jersey insures vehicles in NJ only. Encompass Insurance Company of NJ has a better-than-average auto insurance complaint history in the most recent five of the last six years. Its number of auto insurance complaints in 2009 was 44% more than the industry average, but that was six years ago. The auto insurance market share for Encompass Insurance Company of NJ has decreased greatly each year since 2011, which may be an indication Encompass Insurance Company of NJ no longer has competitive pricing for its auto insurance.

Encompass Property & Casualty Insurance of NJ Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Auto Insurance Complaint Ratio = B (0) (No complaints)

2014 US auto insurance premium = $21,829,637

2013 Auto Insurance Complaint Ratio = B (0) (No complaints)

2013 US auto insurance premium = $22,046,432

2012 Auto Insurance Complaint Ratio = B (.42)

2012 US auto insurance premium = $21,324,239

2011 Auto Insurance Complaint Ratio = C+ (.91)

2011 US auto insurance premium = $18,827,479

2010 Auto Insurance Complaint Ratio = B (0) (No complaints)

2010 US auto insurance premium = $13,549,893

2009 Auto Insurance Complaint Ratio = B (0) (No complaints)

The Encompass Property & Casualty Insurance of NJ subsidiary sells auto insurance in New Jersey only. Encompass Property & Casualty Insurance of NJ has a lower than average number of auto insurance complaints over the last six years, with its number of auto insurance complaints in its worst year during this period, at 91% of the industry average. The auto insurance market share for Encompass Insurance Company of America has increased since 2010, which may be an indication Encompass Property & Casualty Insurance NJ has competitive pricing for its auto insurance in New Jersey.

Encompass Independent Insurance Company Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Auto Insurance Complaint Ratio = B (0) (No complaints)

2014 US auto insurance premium = $7,048,237

2013 Auto Insurance Complaint Ratio = B (0) (No complaints)

2013 US auto insurance premium = $6,786,245

2012 Auto Insurance Complaint Ratio = B (0) (No complaints)

2012 US auto insurance premium = $5,836,602

2011 Auto Insurance Complaint Ratio = B (0) (No complaints)

2011 US auto insurance premium = $4,870,673

2010 Auto Insurance Complaint Ratio = B (0) (No complaints)

2010 US auto insurance premium = $4,520,138

2009 Auto Insurance Complaint Ratio = B (0) (No complaints)

The Encompass Independent Insurance Company subsidiary sells auto insurance in Georgia, Illinois, New York, Texas & Virginia only. Encompass Independent Insurance Company has a perfect, better-than-average auto insurance complaint history over the last five years, with no auto insurance complaints during this period. The auto insurance market share for Encompass Independent Insurance Company has increased since 2010, which may be an indication Encompass Independent Insurance Company has competitive pricing for its auto insurance in at least some of the states where it sells coverage.

II. Encompass Homeowners Insurance Complaints

Encompass sells home insurance through the nine subsidiary company listed below.

Encompass Floridian Indemnity Company (FL only) had no home insurance policies in force in 2013 or 2014, Encompass Floridian Insurance Company (FL only) also had no home insurance policies in force in 2013 or 2014, and Encompass does not currently sell home insurance policies in Florida, so these subsidiaries are not included in this home insurance complaints analysis.

Encompass Home & Auto Insurance Company Home Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Home Insurance Complaint Ratio = B (.18)

2014 US home insurance premium = $152,912,058

2013 Home Insurance Complaint Ratio = B (.36)

2013 US home insurance premium = $124,184,316

2012 Home Insurance Complaint Ratio = B (.55)

2012 US home insurance premium = $88,359,939

2011 Home Insurance Complaint Ratio = B (.14)

2011 US home insurance premium = $59,208,018

2010 Home Insurance Complaint Ratio = B (.40)

2010 US home insurance premium = $45,042,440

2009 Home Insurance Complaint Ratio = B (.21)

The Encompass Home & Auto Insurance Company subsidiary sells home insurance in Georgia, Illinois, Kansas, Maryland, Nevada, New York, Ohio, Pennsylvania, Texas, & West Virginia. Encompass Home & Auto Insurance Company has had a better-than-average home insurance complaint history over the last six years, with its number of home insurance complaints, in its worst year during this period (2012), at 55% of the industry average. The home insurance market share for Encompass Home & Auto Insurance Company increased a lot each year since 2010, which may be a strong indication of competitive pricing for its home insurance, in at least some of the states where it operates.

Encompass Insurance Company of America Home Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Home Insurance Complaint Ratio = B (.66)

2014 US home insurance premium = $84,061,589

2013 Home Insurance Complaint Ratio = B (.60)

2013 US home insurance premium = $93,577,626

2012 Home Insurance Complaint Ratio = C (1.04)

2012 US home insurance premium = $101,332,953

2011 Home Insurance Complaint Ratio = B (.43)

2011 US home insurance premium = $113,406,545

2010 Home Insurance Complaint Ratio = C+ (.81)

2010 US home insurance premium = $134,162,846

2009 Home Insurance Complaint Ratio = B (.47)

The Encompass Insurance Company of America subsidiary sells home insurance in most of the states where the Encompass group of companies operate, except California, Massachusetts, Michigan, North Carolina, & New Jersey. Encompass Insurance Company of America had an about average (2012), or lower than average (2009, 2010, 2011, 2013 & 2014) number of home insurance complaints over the last six years. The home insurance market share for Encompass Insurance Company of America has decreased each year since 2010, which may be an indication Encompass Insurance Company of America no longer has competitive pricing for its home insurance, in at least some of the states where it operates.

Encompass Indemnity Company Home Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Home Insurance Complaint Ratio = B (.35)

2014 US home insurance premium = $185,786,402

2013 Home Insurance Complaint Ratio = B (.41)

2013 US home insurance premium = $164,051,847

2012 Home Insurance Complaint Ratio = B (.36)

2012 US home insurance premium = $135,592,192

2011 Home Insurance Complaint Ratio = B (.07)

2011 US home insurance premium = $117,954,471

2010 Home Insurance Complaint Ratio = C+ (.79)

2010 US home insurance premium = $115,911,467

2009 Home Insurance Complaint Ratio = B (.46)

The Encompass Indemnity Company is the largest Encompass home insurance subsidiary, and it sells home insurance in most of the states where the Encompass group of companies operate, except California, Illinois, Massachusetts, Maine, & New Jersey. Encompass Indemnity Company had a lower than average number of home insurance complaints each year from 2009 to 2014, with its number of home insurance complaints, in its worst year (2010) for this period at 79% of the industry average. The home insurance market share for Encompass Indemnity Company has increased each year since 2011, which may be an indication Encompass Indemnity Company has competitive pricing for its home insurance, in at least some of the states where it operates.

Encompass Insurance Company Home Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Home Insurance Complaint Ratio = B (.27)

2014 US home insurance premium = $33,602,126

2013 Home Insurance Complaint Ratio = B (.33)

2013 US home insurance premium = $33,746,383

2012 Home Insurance Complaint Ratio = C (1.03)

2012 US home insurance premium = $31,648,358

2011 Home Insurance Complaint Ratio = C (1.02)

2011 US home insurance premium = $31,890,157

2010 Home Insurance Complaint Ratio = C+ (.80)

2010 US home insurance premium = $34,003,498

2009 Home Insurance Complaint Ratio = B (.47)

The Encompass Insurance Company insures homes in California only. Encompass Insurance Company had a better than average home insurance complaint record in 2013 & 2014, and an about average home insurance complaint record in 2011 & 2012, with its number of home insurance complaints in its worst year during this period at only 3% more than the industry average. Home insurance market share growth for Encompass Insurance Company has been flat in recent years, which may be an indication Encompass Property & Casualty Company may not have competitively priced home insurance in California.

Encompass Property & Casualty Company Home Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Home Insurance Complaint Ratio = B (0) (No complaints)

2014 US home insurance premium = $25,525,184

2013 Home Insurance Complaint Ratio = C+ (.94)

2013 US home insurance premium = $23,954,447

2012 Home Insurance Complaint Ratio = B (0) (No complaints)

2012 US home insurance premium = $22,881,480

2011 Home Insurance Complaint Ratio = B (.35)

2011 US home insurance premium = $23,147,899

2010 Home Insurance Complaint Ratio = B (.37)

2010 US home insurance premium = $24,575,863

2009 Home Insurance Complaint Ratio = B (.31)

Encompass Property & Casualty Company insures homes in Arizona, Georgia, Illinois, Louisiana, Michigan, Minnesota, New York, Texas, & Virginia. Encompass Property & Casualty Company has a lower than average number of home insurance complaints each year from 2009 to 2014, although it was close to average in 2013, with its number of home insurance complaints at 94% of the industry average. The home insurance market share for Encompass Property & Casualty Company has increased slightly each year since 2012, which may be an indication Encompass Property & Casualty Company now has more competitive pricing for its home insurance, in at least some of the states where it operates.

Encompass Insurance Company of Massachusetts Home Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Home Insurance Complaint Ratio = B (0) (No complaints)

2014 US home insurance premium = $8,607,258

2013 Home Insurance Complaint Ratio = B (0) (No complaints)

2013 US home insurance premium = $7,785,117

2012 Home Insurance Complaint Ratio = C- (1.16)

2012 US home insurance premium = $6,980,112

2011 Home Insurance Complaint Ratio = B (0) (No complaints)

2011 US home insurance premium = $6,872,632

Encompass Insurance Company of MA insures homes in Massachusetts only. Encompass Insurance Company of MA had no home insurance complaints in 2011, 2013, & 2014, and one home insurance complaint in 2012. Subsidiaries like Encompass Insurance Company of MA, with a very small home insurance market share, can have worse than average complaint ratios with only one or two complaints. Small as it has been over the last four years, the home insurance market share for Encompass Insurance Company of MA has grown each year, which may be an indication Encompass Insurance Company of MA has competitive pricing for its home insurance in Massachusetts.

Encompass Insurance Company of NJ Home Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Home Insurance Complaint Ratio = B (.32)

2014 US home insurance premium = $29,218,196

2013 Home Insurance Complaint Ratio = B (.35)

2013 US home insurance premium = $31,956,305

2012 Home Insurance Complaint Ratio = W (2.89)

2012 US home insurance premium = $33,735,246

2011 Home Insurance Complaint Ratio = W (2.00)

2011 US home insurance premium = $36,512,804

2010 Home Insurance Complaint Ratio = B (.67)

2010 US home insurance premium = $40,638,527

2009 Home Insurance Complaint Ratio = W (1.49)

The Encompass Insurance Company of New Jersey insures homes in New Jersey only. Encompass Insurance Company of NJ had worse-than-average home insurance complaint ratios in 2011 & 2012, but better than average home insurance complaint ratios in the most recent years of 2013 & 2014. Its number of home insurance complaints, in its worst year during this period (2012), was 189% more than the industry average. The home insurance market share for Encompass Insurance Company of NJ has decreased since 2010, which may be an indication Encompass Insurance Company of NJ no longer has competitive pricing for its home insurance.

Encompass Property & Casualty Insurance of NJ Home Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Home Insurance Complaint Ratio = B (0) (No complaints)

2014 US home insurance premium = $8,381,995

2013 Home Insurance Complaint Ratio = B (0) (No complaints)

2013 US home insurance premium = $6,544,366

2012 Home Insurance Complaint Ratio = B (0) (No complaints)

2012 US home insurance premium = $4,986,633

2011 Home Insurance Complaint Ratio = B (0) (No complaints)

2011 US home insurance premium = $3,376,768

2010 Home Insurance Complaint Ratio = B (0) (No complaints)

2010 US home insurance premium = $1,997,314

2009 Home Insurance Complaint Ratio = W (6.98)

The Encompass Property & Casualty Insurance of NJ insures homes in New Jersey only. Encompass Property & Casualty Insurance NJ has a perfect home insurance complaint history over the most recent five of the last six years, with no home insurance complaints from 2010 to 2014. Its number of home insurance complaints in 2009 was a whopping 698% of the industry average, but that was six years ago, and with a very small home insurance subsidiary, like Encompass Property & Casualty Insurance NJ, one or two complaints can lead to high complaint ratios. The home insurance market share for Encompass Property & Casualty Insurance NJ has increased each year since 2010, which may be an indication Encompass Property & Casualty Insurance Company of NJ has competitive pricing for its home insurance in NJ.

Encompass Independent Insurance Company Home Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Home Insurance Complaint Ratio = B (0) (No complaints)

2014 US home insurance premium = $4,861,153

2013 Home Insurance Complaint Ratio = B (0) (No complaints)

2013 US home insurance premium = $4,319,335

2012 Home Insurance Complaint Ratio = B (0) (No complaints)

2012 US home insurance premium = $3,413,638

2011 Home Insurance Complaint Ratio = W (3.12)

2011 US home insurance premium = $2,598,765

2010 Home Insurance Complaint Ratio = B (0) (No complaints)

2010 US home insurance premium = $2,266,814

2009 Home Insurance Complaint Ratio = B (0) (No complaints)

The Encompass Independent Insurance Company subsidiary sells home insurance in Georgia, Illinois, New York, Texas & Virginia only. Encompass Independent Insurance Company has a perfect home insurance complaint history in five of the last six years, with no home insurance complaints during these years. In 2011, Encompass Independent Insurance Company had one home insurance complaint in Virginia, regarding a home insurance policy cancellation, where Encompass Independent Insurance Company was required to reinstate the policy. Because of its small home insurance market share, this one complaint resulted in a high complaint ratio for 2011. The home insurance market share for Encompass Independent Insurance Company is small, but has increased each year since 2010, which may be an indication Encompass Independent Insurance Company has competitive pricing for its home insurance in at least some of the states where it sells coverage.

4. Encompass Insurance Review Summary

Here’s my summary to give you the bottom line on the customer service & rates for the Encompass insurance companies, to see if they perform better than average, average, or worse than average.

Encompass auto insurance 2012-2014 complaint record:

Better than Average

Encompass Homeowners insurance 2012-2014 complaint record:

Better than average

How does Encompass Insurance compare to major auto & home insurance companies, like Travelers, GEICO, Progressive, State Farm, Kemper, The Hartford, Allstate, and others? Compare Encompass insurance with over forty other companies at my home page: smartshopyourcarinsurance.com.

Encompass Auto & Homeowners Insurance Rates

For pricing, the most reliable way to know if your insurance company charges too much is to conduct your own pricing survey, by obtaining price quotes from all the leading insurance companies in your state, to find the best company for you. However, a recent rapid increase or decrease in market share may indicate whether a company has higher or lower insurance rates for at least some people.

If you look at the annual auto insurance premiums for the Encompass insurance companies in section #3 of this review, its auto insurance market share has increased from 2013 to 2014, which may indicate an Encompass subsidiary may have competitive auto insurance rates in these states: Georgia, Illinois, Kansas, Maryland, Nevada, New York, Ohio, Pennsylvania, Texas, & West Virginia.

If you look at the annual auto insurance premiums for the Encompass insurance companies in section #3 of this review, its auto insurance market share has decreased from 2013 to 2014, which may indicate Encompass no longer has competitive auto insurance rates in these states: New Jersey & Massachusetts.

If you look at the annual home insurance premiums for the Encompass insurance companies in section #3 of this review, its homeowners insurance market share has increased from 2013 to 2014, which may indicate an Encompass subsidiary may have competitive homeowners insurance rates in these states: Georgia, Illinois, Kansas, Maryland, Nevada, New York, Ohio, Pennsylvania, Texas, & West Virginia.

Nationally, Encompass homeowners insurance customers rated the price they pay as “about average” (three power circles) in the 2015 JD Power US Homeowners Insurance Customer Satisfaction Study.

The following companies rated better than average (4 power circles or 5 power circles) for lower homeowners insurance rates in the 2015 JD Power Homeowners Insurance Satisfaction study: USAA, Amica, Erie, Auto Club of SC, GEICO, Auto-Owners, and Mercury.

The following companies received the worst JD Power rating of 2 power circles for homeowners insurance rates in the 2015 JD Power Homeowners Insurance Satisfaction study: Kemper, Liberty Mutual, and Hanover.

It really pays to shop with all the leading auto and/or home insurance companies available to you in the state where you live. Many people pay too much for their insurance because they never shop for better rates, or if they do shop, they don’t check the rates of enough companies. No single company has low rates for everyone. You have to shop with all the leading companies, to find the company with the best coverage and best price for you. The ad below will take you to links to get online quotes from leading Home, Auto, Health, & Life insurance companies in your area. Choose the type of insurance, put in your zip, and start shopping now!

Thanks for reading this review about Encompass auto & home insurance complaints. You can find other reviews of leading auto, home, & life insurance companies on my website & blog. What do you think of Encompass auto & home insurance? Did you find this review useful? Comment on my facebook page. If you have questions, you can reach me at help@smartshopyourcarinsurance.com. Follow me on Twitter for important insurance consumer news & new blog entries at CarInsWatch.