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EncompassOne® Deluxe Insurance Policy



Deluxe coverage with higher limits.

The EncompassOne Deluxe Policy offers higher limits of our homeowners and auto insurance plans, along with many product features to give you even more protection. Plus, you'll get the convenience of one deductible1, one premium and one trusted advisor.

Home Features

  • 200% property location limit.

    Some home policies set separate limits on your home, its content and other structures. These limits are percentages based on the actual value of your home and cannot be combined if one limit is insufficient to cover the loss. Our Deluxe policy doubles your policy limits to 200% of your home's value to cover your house, outlying structures and its contents—giving you the freedom to allocate your limit as necessary for any covered loss, whether the covered damage is repaired or replaced altogether.2

  • Enhanced replacement cost coverage.

    You are protected if the cost to rebuild your home after a covered loss exceeds the original insured amount.

  • Pays $5,000 of coverage for jewelry and fur.

    With no need for special riders or schedules, our Deluxe policy includes $5,000 of coverage for jewelry and fur—and even covers items whether they're lost or stolen.

  • Water backup coverage.

    If you're not protected, water backup damage can be disastrous—ruining things like precious personal property. With our Deluxe policy, you can add water, sewer, drain and sump pump overflow coverage.

  • Additional living expenses coverage.

    If your home is unlivable due to a covered loss, we help you find a place to stay. We'll cover your reasonable increased living expenses, such as hotel stays and restaurant bills, with no dollar limit3, for up to one year.

  • Walk-away coverage.

    Our Deluxe policy offers walk-away coverage, which means if your home is damaged due to a covered total loss, we will pay our estimated value of your residence.

  • Covered losses for structure and contents.

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

  • Increased building costs.

    If you need to rebuild after a covered loss, you'll be protected from increased reconstruction costs due to building ordinance codes that have changed.

  • 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.

  • Pays $5,000 in Homeowners Association fees after a covered disaster.

    If your community is affected by a disaster, we will cover your share of the HOA's assessment for a covered loss to common property up to $5,000.

  • Medical expense coverage.

    Our Deluxe policy may cover medical expenses due to accidents on or away from your insured location.

  • Landscape and land restoration coverage.

    If your, lawn, trees or shrubs are damaged due to a covered loss, our Deluxe policy will cover the replacement of damaged elements. Plus, we also provide coverage for land restoration to stabilize the land around your foundation after a covered loss.

  • Burglary or theft recovery.

    If your home is damaged by burglars or trespassers, we will help cover the reward4 for information or assistance.

Auto Features

  • First-time Accident Forgiveness.

    We understand that accidents happen, that's why we offer first-time Accident Forgiveness, which protects you from incurring a premium surcharge after your first at-fault accident.

  • Electronic equipment in your car.

    Encompass will pay for the covered loss of permanently installed electronic equipment in your insured vehicle if you have comprehensive coverage. Media, such as CDs or auxiliary cords, used with the electronic equipment is also covered.

  • Windshield repairs for your car.

    With Encompass, you can enjoy no deductible windshield repairs for your insured vehicle.5

Optional Add-on Features

  • New car replacement.

    For new vehicles, when the cost to repair exceeds the actual cash value, we will replace your vehicle with a current model year when possible, or a new vehicle from a similar size and class if your model is no longer available.

  • Rental car reimbursement.

    If a covered loss ever makes your vehicle not drivable, we want you to have a rental car that suits your needs.

  • Emergency Roadside Assistance.

    Our 24/7 Encompass Roadside Assistance includes towing and emergency transportation coverage.

  • Auto trip interruption.

    If your car experiences a covered loss and you are 100 miles or more away from home, our auto trip interruption coverage will cover you for certain related expenses.

  • Loan/lease gap coverage.

    This coverage would pay off your original auto loan if your vehicle depreciates to the point where the gap between the value of the vehicle and its actual value widens. Coverage can be added to previously new, untitled vehicles within the first 30 days of financing and the vehicle must have both comprehensive and collision coverage.

Optional Products

  • Personal umbrella coverage.

    Offers protection from major claims and lawsuits in the event that you reach the limits of your homeowners, auto or other liability policy.

  • Encompass Lifestyle Endorsement

    The Lifestyle Endorsement can be added to our Deluxe policy and enhances personal liability and property coverage by extending it for various situations, such as family members in health care facilities, elevated jewelry coverage, lower deductibles for damaged or stolen hobby and sports equipment and more.

  • Enhanced home business Insurance.

    Provides personal liability and increased business property coverage for many aspects of your home-based business, including personal computer hardware and software.

  • Boat and watercraft coverage.

    Our boat insurance covers your boat, including replacement cost coverage, protection for on-board personal property and uninsured or underinsured boaters coverage.

  • Identity fraud expense coverage.

    If you are a victim of identity theft, we'll pay up to $20,000 for resulting expenses, including lost wages and attorney fees—plus, provide on-demand access to a fraud specialist who can help you resolve your identity theft.



Get comprehensive protection with the EncompassOne Deluxe Policy.

Talk to an Encompass Independent Agent today to see if the EncompassOne Deluxe Policy is right for you.

Find an agent

Explore our other EncompassOne Policies.

We understand that everyone has different insurance needs. Explore our Elite policy for even more coverage or our Special policy for a simpler plan.

Elite copy with stars.

If you have high-value possessions and want our highest level of protection.

View Elite

Special copy with stars.

If you have multiple assets and want a simple insurance experience.

View Special

Coverages and discounts are subject to terms, conditions and availability. Savings vary based on state, coverages and other factors. Coverage and products are not available in every state. Availability of discounts varies by state. Discounts are subject to terms, conditions and availability. Please see your Encompass policy for details or call an Encompass Insurance Independent agent for more information.

1 Disclaimer: One deductible, the highest deductible, is applied when more than one category of property is damaged due to the same loss.

2 Not available in all states. Subject to limits. Check with your independent agent about limits available in your state.

3 Varies widely by state. Additional to PLL (as is in coverage comparison).

4 Disclaimer: this reward amount is 10 percent of the loss, up to $1000.

5 Disclaimer: No deductible applied if the insured repairs their windshield rather than replace it.

ECC Monitor: OK