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Home Insurance

Right at home with the right protection.

Home insurance that's built to your blueprint.

No two homes are exactly the same. That's why our homeowners insurance policies are tailored to fit your unique needs. With standalone homeowners protection—as well as coverage for rental properties, you can choose the plan and limits that are just right for you.

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Encompass home coverage offers robust protection for your home and includes many features, such as enhanced home replacement.

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As a renter, you may be on the hook for more than you realize. That's why it's critical to have coverage for your contents in the event that the unexpected happens.

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Smart savings come with smart home insurance.1

We want to help you protect your investment in a smart way. That's why Encompass offers numerous discounts on our homeowners insurance policies, including:

  • Claim-free discount.

    Can help you save if your primary residence is claim-free for the past five years.

  • Dwelling age discount.

    You can get a discount for a home 20-years old or newer.

  • Renovation discount.

    Save on primary residence rates if you've updated home systems (heating, cooling, plumbing and/or roof) in the past 10 years.

  • Protection devices credit.

    Get a credit for fire alarms, burglar alarms, fire extinguishers and other safety devices.

  • Homebuyer discount.

    Enjoy savings if you've purchased a home that is less than 49 years old in the last 5 years.

  • The EncompassOne® Policy.

    Choose an EncompassOne Policy, which packages your home, auto and other features and products into one simple, comprehensive policy to help you save money.

Ask your agent about possible home insurance discounts for which you may qualify.

Additional home features.

Explore some of our optional features that may be added to your Encompass home or renters policy:

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Multiple Homes. One comprehensive policy.

Not all policies will apply the same coverage to your second home. Whether it's a beach house on the coast or a winter cabin, we can help build custom policies that offer comprehensive coverage and the convenience of insuring all your homes under one simple policy.

Water sewer backup coverage.

Water backup damage can wipe out everything—family furniture, treasured books and even children's toys. No loss is too little to be overlooked, which is why we cover both structure and contents.

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It's your policy—we can help you customize it.

Your Encompass Independent Agent can also help you customize your homeowners policy with many additional products, including personal umbrella coverage, identity theft protection and home business insurance.

Coverages, features and discounts subject to terms and conditions. Savings vary based on factors such as state and coverages selected. The coverages, features and discounts described on this website are not available in every state. Please see your Encompass policy for details or call an Encompass Insurance Independent Agent for more information.

1 Discounts subject to terms, conditions and availability. Savings vary. Discounts not available in every state.
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