Homeowners Insurance

Flexible home insurance built for your life.

Your home is not only one of your greatest assets, but the center of your life. And helping you protect it is important to us. While the EncompassOne^® Policy protects your home, car and treasured possessions under one policy, we also offer three standalone homeowners insurance options, also referred to as Elite, Deluxe and Special. Our standalone homeowners products offer high limits and premium features, which other carriers may exclude. Some Encompass homeowners policy features are:

• 200% property location limit.

  Some homeowners policies place individual limits on your home, structures and contents. These limits are percentages based on the actual value of your home and cannot be combined if one limit is not enough to cover a specific loss. With our Elite and Deluxe homeowners coverage, limits are extended to 200% of your home's value to cover your house, its contents and outlying structures—allowing you to allocate your limit as needed for any covered loss, whether the insured damage is repaired or replaced altogether.¹

• Enhanced replacement cost coverage.

  We will help cover the expense if your home is affected by a covered loss and the cost to rebuild is more than the original insured amount.

• Water backup protection.

  Water backup damage can unexpectedly cause severe problems—claiming losses not only on your personal property, but also threatening your home. While some carriers exclude this coverage from home insurance policies, we automatically include it in our Elite homeowners coverage. Plus, it can easily be added to any of our other home policies.

• Covered losses for structure and contents.

  Because it's nearly impossible to consider all the risk factors you could face, our Elite homeowners policy covers many types of losses for not only your home structure, but your personal property as well.

• Increased building costs.

  If you have to rebuild following a covered loss, you will be protected from increased reconstruction costs due to changes and updates in building ordinance codes.

• Mortgage rate protection.

  If a covered total loss requires a new higher-rate mortgage, we will cover the increased expenses including closing costs, mortgage acquisition fees and more—up to a total of $20,000.

• Personal injury protection.

  This is a critical component of homeowners coverage to protect you if you are sued for libel and slander.

• Computer and data recovery coverage.

  Protects your personal computer hardware and software—including tablets, laptops, desktops and even includes data recovery.

• Jewelry and fur replacement cost coverage.

  With no need for special riders or schedules, depending on your coverage level, we will insure a portion of your jewelry and fur, whether the items are lost or stolen.

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We offer a number of ways to save. You may qualify for home insurance discounts if you have:

• A home security system
• A home less than 49 years old
• Package your home, auto and more with the EncompassOne^® Policy

Talk to your agent to see what other home discounts you may be eligible for.

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Your Encompass Independent Agent can work with you to help customize your policy and discuss upgrading your protection to the EncompassOne^® Policy.

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