The main Encompass Insurance phone number for customer service and claims is 1-800-588-7400, staffed Monday through Friday, roughly 8 a.m. to 6 p.m. ET. For 24/7 roadside assistance, call 1-800-554-6678. Note that Encompass does not offer a 24-hour general customer service line, and you cannot get a quote or file a claim online, since Encompass sells only through independent agents. As a company, Encompass is a subsidiary of Allstate, not the same as Allstate or National General, though all three are under the Allstate umbrella. It carries a strong A+ financial rating and is known for its EncompassOne single-deductible bundle, but its rates run higher than average and recent customer reviews are mixed.
Encompass Insurance phone number and key facts
| Purpose | Detail | Source |
|---|---|---|
| Customer service & claims | 1-800-588-7400 | ValuePenguin / Bankrate |
| 24/7 roadside assistance | 1-800-554-6678 | Encompass agent |
| Customer service hours | Monday–Friday, about 8 a.m.–6 p.m. ET | Encompass agent |
| 24/7 general line | Not available | Bankrate |
| Online quotes/claims | Not available; agents and phone only | ValuePenguin |
| Parent company | The Allstate Corporation | Bankrate |
| Financial strength | AM Best A+ (Superior) | AM Best |
| Standout product | EncompassOne bundle with a single deductible | ValuePenguin |
Encompass Insurance phone numbers and contact information
Since most people arrive here looking for a number, here is the full, verified contact list first. Save the main one, because you will use it for almost everything.
The primary Encompass Insurance phone number is 1-800-588-7400. This single line handles both customer service and claims. Use it to report a loss, ask about an existing claim, or get help with your policy. Its hours are Monday through Friday, roughly 8 a.m. to 6 p.m. ET, per Bankrate and other reviews. Outside those hours, you can still leave a claim report, but a representative will follow up the next business day. For roadside help, Encompass runs a separate 24/7 line at 1-800-554-6678, covering towing, jump-starts, flat tires, and lockouts. If you would rather not call, Encompass offers an online contact form on its official site, though the company estimates a 3 to 5 business-day response, so the phone is faster for anything urgent.
Two honest notes on the “24 hours” and “by state” searches. First, Encompass does not have a 24-hour general customer service line; only roadside assistance runs around the clock, so for a middle-of-the-night claim you can report the loss by phone but may not reach full service until business hours. Second, the phone number is the same nationwide, not different by state, so drivers in California, Texas, New Jersey, or anywhere else use 1-800-588-7400. For state-specific questions, your local independent agent, whose number is on your policy, is often the fastest route. That agent can also handle billing questions and policy changes that the main line may route elsewhere. Always confirm the current numbers on the official Encompass contact page, since phone lines and hours can change.
How to file or talk about an Encompass claim
Because you cannot file online, knowing the phone process saves time and stress when something goes wrong. The steps are the same for auto, home, and catastrophe claims.
Call the Encompass claims line at 1-800-588-7400 to report your loss, ideally within 24 hours of the incident, and speak with a claims-center team member. Have a few things ready before you call. Those are your policy number, the date and details of what happened, any police or incident report, and photos of the damage. Complete information speeds up the process and reduces follow-up calls. After you report, a claims representative is assigned to handle your case and becomes your main point of contact. For claim-related mail, Encompass has directed correspondence to a Winston-Salem, North Carolina P.O. box, but confirm the correct address with your representative, because it varies by claim type and can change. If you feel a claim is being handled poorly, you can escalate through your agent and, if needed, file a complaint with your state insurance department.
What company is Encompass, and who owns it?
Encompass is a real, established insurer, and its ownership answers several of the most common questions about it. The short version: Allstate owns it.
Encompass Insurance is a subsidiary of The Allstate Corporation, one of the largest personal property-and-casualty insurers in the United States. Its roots go back to 1897, but the modern company took shape when Allstate acquired it from CNA in 1999 and renamed it Encompass around 2000. What makes Encompass different from the Allstate brand you see advertised is its sales model. Encompass does not sell directly to consumers. Instead, it distributes through a network of more than 2,600 independent agents. That is why you cannot buy it online or from an Allstate captive agent. The upside of that model is personal guidance from a local agent. The downside is that you give up the speed and self-service of buying online. In effect, Encompass is Allstate’s channel for the independent-agent market, which also helps explain the frequent searches about Allstate agents, as the industry has shifted between captive and independent models.
Is Encompass the same as Allstate or National General?
This trips people up constantly, so here is the clean answer. Encompass is related to both, but identical to neither.
Encompass and the Allstate brand are not the same company, though Allstate owns Encompass. Think of Encompass as a separate brand under the Allstate corporate umbrella, aimed at independent agents. Encompass and National General are also not the same company, but they are corporate siblings. Allstate acquired National General in 2021, placing it alongside Encompass under the same parent. The two serve different segments, though, so their policies and pricing are separate. So if you are wondering about the “sister company of Allstate,” Encompass and National General are two of them. National General leans toward non-standard and specialty auto, while Encompass focuses on bundled home and auto through agents. All three ultimately answer to The Allstate Corporation, but they operate as distinct brands with their own policies, pricing, and service.
What Encompass Insurance covers
Encompass offers a broad personal-lines lineup, with one bundling feature that genuinely stands out. Here is what you can buy.
Its core products are auto and homeowners insurance, plus personal umbrella, renters, home-business, motorcycle, watercraft, recreational-vehicle, and collectible-auto coverage. Home policies come in three tiers, Special, Deluxe, and Elite, that add progressively more features. The headline product is EncompassOne. It is a package policy that combines your home, auto, and belongings under one contract with a single deductible. That single deductible is the real draw. If one event damages both your home and your car, you pay only the higher of the two deductibles once, not both. In a bad hailstorm that dents your roof and your car at once, that can save you hundreds. It is a meaningful saving in a bad storm. One catch worth knowing is that EncompassOne is not available in every state, including Florida, Massachusetts, North Carolina, and Texas, so confirm availability with an agent.
How good is Encompass Insurance? Ratings and reviews
Here is the honest, mixed picture, drawn from objective measures rather than marketing. Encompass is financially solid but has real service and price trade-offs.
On financial strength, Encompass earns an A+ (Superior) rating from AM Best. That means it is well positioned to pay claims, even after a costly disaster year. It is not rated by J.D. Power, simply because it is smaller and more regional than the national carriers J.D. Power focuses on. That absence is neither a plus nor a minus; it just means less third-party service data is available. Its NAIC complaint record is mixed by line: its homeowners complaints have run below average, meaning fewer than expected for its size, while its auto complaints have been slightly above average in recent years, though on small numbers of complaints. On price, its rates tend to run higher than several large competitors. It is often cheaper than Travelers but more expensive than Allstate, Erie, and State Farm. The most common criticism in recent customer reviews centers on two things. The first is claims communication during larger claims. The second is the lack of online self-service, since quotes and claims must go through an agent or the phone. The counterweight is the independent-agent model itself: a good local agent can make the experience far smoother.
Encompass vs. the field: Progressive, Allstate, and the “#1” auto insurer
Shoppers often ask how Encompass and its parent stack up against rivals, so here are fair, factual answers without crowning a winner. The “best” depends on your situation.
By market share, State Farm is the largest auto insurer in the United States, followed by Progressive and GEICO, with Allstate also among the leaders. Asking whether Progressive or Allstate is “better” has no single answer. Progressive is often strong on price and online tools. Allstate leans on its agent network and bundling features. The right choice depends on your driving profile, your location, and whether you value an agent relationship over a website. The only way to know which wins for you is to price both on identical coverage. On a lighter note, one recurring search asks whether Elon Musk owns an insurance company. He does not personally, though Tesla offers its own Tesla Insurance program in some states. For Encompass specifically, compare its quote against two or three competitors on identical coverage before deciding.
The honest read: who Encompass Insurance is for
Encompass is a good fit if: you prefer working with a local independent agent over a website, you want to bundle home and auto and value the single-deductible EncompassOne policy, and you prioritize an insurer with strong financial backing. For a bundling household that likes a personal agent relationship, it is a legitimate, well-capitalized choice.
Look elsewhere if: you want the lowest possible price, since Encompass rates run higher than several competitors, or you prefer to manage everything online, since quotes, claims, and much of the service happen by phone or through an agent. Anyone who values 24/7 digital self-service will likely be happier with a more tech-forward insurer.
Encompass is financially strong and offers genuinely useful bundling, but it is a phone-and-agent company, not a digital-first one. Judge it on that model rather than expecting an app-first experience. Get a competing quote or two, and lean on a good agent to get the most from it.
Conclusion
The Encompass Insurance phone number you will use most is 1-800-588-7400 for customer service and claims, with 1-800-554-6678 for 24/7 roadside assistance, and no 24-hour general line. Beyond the number, Encompass is an Allstate subsidiary sold through independent agents, distinct from both the Allstate brand and National General though all share the same parent. It carries an A+ financial rating and a standout single-deductible bundle, offset by higher-than-average rates, no online quotes or claims, and mixed recent reviews. Save the phone number, confirm the details with a local agent, and compare a quote or two before you actually buy.
FAQs
What is the Encompass Insurance phone number?
The main Encompass Insurance phone number for customer service and claims is 1-800-588-7400, available Monday through Friday, roughly 8 a.m. to 6 p.m. ET. For 24/7 roadside assistance, call 1-800-554-6678. Encompass does not offer a 24-hour general customer service line, and the number is the same nationwide.
Does Encompass have a 24-hour phone number?
Only for roadside assistance, at 1-800-554-6678, which operates 24/7 for towing, jump-starts, and lockouts. Encompass does not have a 24-hour general customer service line. You can report a claim by phone at 1-800-588-7400, but full service is generally available during business hours, Monday through Friday.
What is the Encompass claims phone number?
Encompass uses the same line for claims and customer service: 1-800-588-7400. Call it to report a loss, ideally within 24 hours, and to check on an existing claim. Because Encompass does not offer online claims filing, this phone number is the primary way to start and manage a claim.
How do I talk to Encompass about a claim?
Call 1-800-588-7400 and ask for the claims center. Have your policy number, the date and details of the incident, any police report, and photos ready before you call. A claims representative will be assigned to your case. If you are unhappy with the handling, escalate through your agent or your state insurance department.
Are Encompass and Allstate the same company?
No, but Allstate owns Encompass. Encompass is a separate brand under The Allstate Corporation, aimed at the independent-agent market, while the Allstate brand you see advertised is sold through its own agents and online. They share a parent company but operate as distinct brands with different policies and pricing.
Who owns Encompass Insurance, and who took it over?
The Allstate Corporation owns Encompass. Allstate acquired the company from CNA in 1999 and renamed it Encompass around 2000. Its roots trace back to 1897. Today it operates as an Allstate subsidiary, distributing personal insurance through a network of more than 2,600 independent agents.
Is Encompass owned by National General?
No. Encompass and National General are separate companies, but both are owned by Allstate. Allstate acquired National General in 2021, placing it alongside Encompass under the same corporate parent. They are corporate siblings, not one owning the other, and each sells its own distinct policies.
What insurance company is Encompass?
Encompass is a personal property-and-casualty insurer and a subsidiary of Allstate. It sells auto, home, umbrella, and specialty coverage through independent agents rather than directly to consumers. It is best known for its EncompassOne bundle, which combines home, auto, and belongings under a single policy and deductible.
How good is Encompass Insurance?
Financially, it is strong, with an A+ (Superior) AM Best rating. Its homeowners complaints run below average, while auto complaints have been slightly above average recently. The main drawbacks are higher-than-average rates, no online quotes or claims, and mixed customer reviews on claims communication. A good local agent improves the experience.
What is the sister company of Allstate?
Allstate owns several brands, so it has more than one. Encompass and National General are two of Allstate’s subsidiaries, both operating as distinct brands under the same parent. Allstate has also owned other brands over time. Each sells its own policies with separate pricing and service.
Who is the #1 auto insurer in the US?
By market share, State Farm is the largest auto insurer in the United States, followed by Progressive and GEICO, with Allstate also among the top insurers. Rankings shift over time, and the biggest insurer is not automatically the cheapest or best for any individual driver, so compare quotes for your situation.
Which is better, Progressive or Allstate?
Neither is universally better. Progressive is often competitive on price and strong on online tools and usage-based programs. Allstate emphasizes its agent network, bundling, and add-on features. The better choice depends on your driving record, location, and whether you prefer a digital experience or a local agent, so compare both on identical coverage.
Does Elon Musk own an insurance company?
Not personally. Tesla, the company he leads, offers Tesla Insurance in some states, which uses driving data to price auto coverage for Tesla owners. But Elon Musk does not personally own a standalone insurance company. Tesla Insurance is a program run by the automaker, not a personal holding of Musk.
Why are agents leaving Allstate?
Much of this reflects a long industry shift between captive and independent agent models, along with Allstate’s own changes to its agent programs and commissions. Encompass sits on the independent-agent side of that divide. Individual agents leave for many reasons, so this is an industry-wide trend rather than a single company issue.
Can I get an Encompass quote or file a claim online?
No. Encompass sells only through independent agents, so you cannot get a quote online and must work with an agent. Claims are filed by phone at 1-800-588-7400 rather than online. Some bills can be paid through the MyEncompass online portal, and roadside assistance has an app and a 24/7 line.
About this review
This review was produced by the InsuranceGuidances Editorial Team.
Methodology: We verified Encompass’s contact information and ownership through the company’s own site and independent reviews from Bankrate, ValuePenguin, and Coverage Cat, and confirmed financial strength through AM Best and complaint data through the NAIC. We list only phone numbers corroborated by multiple sources and direct readers to the official site for current details. We route judgments to objective measures rather than crowning any single company “best,” and we accept no payment for coverage or placement. Details change; verify before acting.
Reviewed: 2026 ·
Sources
NAIC, company complaint lookup: https://content.naic.org/consumer.htm
Encompass Insurance, official Contact Us page: https://www.encompassinsurance.com/contact-us
Encompass Insurance, Claims page: https://www.encompassinsurance.com/claims
Bankrate, Encompass Insurance Review: https://www.bankrate.com/insurance/reviews/encompass/
ValuePenguin, Encompass Insurance Review: https://www.valuepenguin.com/encompass-insurance-review
Coverage Cat, Encompass Insurance Review (claims number and address): https://www.coveragecat.com/reviews/encompass-auto-home-insurance-review
AM Best, guide to Best’s financial strength ratings: https://www.ambest.com/ratings/guide.pdf
National Association of Insurance Commissioners, complaint index reference: https://content.naic.org/
Allstate Corporation, National General acquisition: https://www.allstate.com/
Insurance Information Institute, auto insurance basics: https://www.iii.org/article/what-covered-basic-auto-insurance-policy
