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      Encompass Battlecard

       

      Encompass-1



      Phone Number(s):

        • Live chat available during business hours
      • Agency Service Center: 800-262-9262 (Option 1, Option 1)
      • Customer Service: Customer should contact their agent (Covered Insurance)
      • Claims: 800-588-7400
      • Tech Support: 800-262-9262 (Option 1, Option 2)
      • Underwriting Center: 800-262-9262 (Option 1, Option 3)

       

      Email(s):

      • Encompass doesn’t have an email for general consumer requests
      • If a customer wants to send a message, they fill out an online form on the Encompass website. To do that, go to the “Contact Us'' page, scroll down to the “Online” section and click the “Online” button. Once they submit the message,a customer care representative will get back to them within 3-5 business days.

       

      Customer Service Hours of Operation:

      • Customer Service: Monday to Friday 8:00 AM to 9:00 PM EST
      • Claims: Available 24/7.
      • Tech Support: Monday to Friday 8:00 AM to 8:00 PM EST
      • Chat: Monday to Friday 9:00 AM to 7:00 PM EST
      • Underwriting: Monday to Friday 9:00 AM to 5:00 PM Local Time

       

      Current Lines of Business/States:

      • Home, Auto, Umbrella, Dwelling Fire: AL, AR, DE, GA, ID, IL, IN, MD, MN, NE, NV, NH, OH, OR, UT, VA, WI
      • Motorhome: AL, AR, AZ, CO, DE, GA, ID, IL, IN, MD, MN, MO, NE, NH, NV, OH, OR, SC, TN, UT, VA, WA, WV, WI

       

      Carrier Access:

      • Shared Login in LastPass

       

      Quote Bots:

      • No bots for this carrier.

       

      Application Type: 

      • DocuSign

       

      Carrier Market:

        • Home:
          • Must be written at 100% replacement cost and allowed up to 150% of replacement cost
          • Secondary/ seasonal or rented properties are eligible when the primary residence has been insured with Encompass at least 60 days prior to the application date
          • Must be located > 1500 feet from the ocean shore
          • Allows up to 4 unit dwelling as long as insured lives in one
          • Must be Protection Class (PC) 1-10 and be within 10 road miles of first responding Fire Department 
            • PC 10 must have private passenger automobile/pickup/van 
      • Auto:
        • Named insured must have held a valid US license for the past 3 years; all operators must have valid US license 
        • Operators have not filed for financial responsibility in the last 5 years (SR22 or FR44)
        • Liability only vehicle policy will be written if insurance score less is than 13 
        • Stated amount coverage is only available for private passenger automobiles in which the model year of the vehicle is more than 13 years older than current model year 
        • Auto policies with greater than 8 vehicles are ineligible  

      Important Guidelines:

      The following risks are not accepted:

      • Home:
        • Mobile or Manufactured homes 
        • Open foundations 
        • Dwellings with market value under 70% of the current replacement cost 
        • Dwellings with attractive nuisances including, but not limited to:
          • Unfenced pools (gates must be self-closing and self latching with child proof latch or locking retractable stairs), un-netted trampolines, skateboard or bike ramps, open pits or wells 
        • Dwellings in course of construction – unless Encompass currently writes the primary home OR the Builder’s Risk and Theft of Building Materials endorsement is present at new business 
        • Homes constructed, renovated or remodeled by someone other than a licensed contractor 
        • Dwellings without central heating, unless in warm climate or seasonal dwelling 
        • Unapproved roofs including but not limited to: tarpaper, T-lock, Thermoplastic Polyolefin,tin, metal (other than copper, Pro-Panel, or other approved metal), aluminum and wood (other than treated cedar shake)  EIFS/Dryvit and any other uncommonly used building material 
        • Composition or composite roofs with more than two layers of shingles  
        • Properties in flood zones A and V without an active flood policy 
        • Properties within 100 feet of a commercial or industrial property 
        • Properties within 1,000 feet of brush area  
      • Auto:
        • Grey Market Vehicles 
        • Modified Vehicles 
        • Vehicles with GVWR ≥ 14,000 lbs. 
        • Vehicles with < 4 Wheels 
        • Branded title or total/rebuilt vehicles 
        • Vehicles that are rented or leased to others for a fee 
        • Vehicles with a commercial exposure, such as the following but not limited to: 
          • Self-employed using a utility vehicle in business – Includes:  trucks, pick-ups, vans, and minivans 
          • Any wholesale/retail delivery, including mail/postal delivery, pizza, and newspaper delivery

       

      Additional Resources: