This website provides only a general description of some of the products, coverages, features, and discounts available through Encompass Insurance Company, Northbrook, IL and its Encompass affiliates and is not a statement of contract. Encompass products are not sold or otherwise available in the following states: AK, FL, HI, MA, MS, MT, NC, ND, SD, or WY. Not all products, coverages, features or discounts described on this website are available in every state where Encompass products are sold. Encompass may offer products, coverages, features and discounts not described on this website. All products, coverages, features and discounts are subject to terms, conditions, availability and qualifications which may vary from state to state. Total savings may vary depending upon the contract state, discount availability, and the product, coverage, or feature selected. The Encompass One Policy is a package policy which can contain one or more Segments (auto, homeowners, boat, personal umbrella) and is not available in FL, MA and TX. If more than one item for which a premium is paid under this policy sustains a covered loss in the same event, only the highest deductible will be applied. However, if a policy includes a Wind/Hail, Tropical Cyclone, Hurricane, Named Storm or Earthquake deductible, such deductible will be applied per property location. Optional coverages may require additional deductibles.