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Encompass® Homeowners Insurance

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Flexible home insurance built for your life

Your home is one of your greatest assets—we’re here to help you protect it. With Surround Solutions by EncompassR, you can tailor your protection to fit your space, and your life.

Encompass homeowners insurance offers:

Standard features

DWELLING PROTECTION

Pays to rebuild or repair the physical structure of your home, like your walls or roof.

OTHER STRUCTURES PROTECTION

Covers other buildings on your property that are separate from your home, like a stand-alone garage or shed.

ADDITIONAL LIVING EXPENSE

Covers increase in living expenses, from hotel accommodations to restaurant bills, if your home is uninhabitable after a covered loss.

PERSONAL PROPERTY PROTECTION

Covers the contents of your home like furniture or clothing in case of an incident such as fire or theft.

FAMILY LIABILITY PROTECTION

Helps protect you or your family member if you are held legally responsible for an injury at your home or for damaging someone else’s property.

HOME SHARING

Have greater peace of mind knowing your personal property is protected in the event of a theft or damage while sharing your home.

WATER BACK-UP

Pays for water damage caused by backed up sewers, drains or sump pumps.

SCHEDULED PERSONAL PROPERTY

Provides increased coverage to your homeowners policy and may increase the limits on specific, high-value items like jewelry, fur and art.

BUILDING STRUCTURE REIMBURSEMENT EXTENDED LIMITS

Covers costs above the limits of your coverage if you repair, rebuild or replace damaged or destroyed covered property.

OPEN PERIL CONTENTS

Broadens coverage to provide additional protection against loss to contents.1

IDENTITY THEFT EXPENSE

Covers expenses resulting from identity fraud, such as lost wages and loan application fees.

PERSONAL INJURY

Covers claims such as libel, slander, invasion of privacy, false arrest, humiliation or defamation of character.

BUILDING CODE COVERAGE

Pays to rebuild your home with current building regulations after a covered incident.

COUNTRY ENDORSEMENT

Increases your coverage for incidental farming.

DATA RECOVERY

Covers recovery of lost data, like family photos, videos and music, from computers in the event of a covered loss.

EXTENDED PREMISES ENDORSEMENT

Provides extended protection for 2 – 4 family dwellings.

FAIR RENTAL INCOME

Pays the rental value of a building that is usually rented if it is uninhabitable due to damage caused by a covered loss.

TOY VEHICLE AND GOLF CART

Adds liability and property damage coverage for golf carts and children’s powered toy vehicles.2

FIRE DEPARTMENT CHARGES

Increases limits beyond the base policy for the fee a fire department may charge when responding to a call after a covered incident.

YARD AND GARDEN

Increased limits for the replacement of damaged trees/shrubs and debris removal as well as motorized land vehicles such as riding lawn mowers.2

LOSS ASSESSMENTS

Covers the repair assessment if something happens to your Homeowners Association’s shared buildings or common areas due to a covered loss.

FUNCTIONAL REPLACEMENT COST

Covers the cost to repair or replace your home with modern construction materials and methods.

DWELLING IN THE COURSE OF CONSTRUCTION2

Covers the replacement cost of a home that is undergoing construction.

BUILDING MATERIALS THEFT

Adds coverage for the loss of building materials during a remodel or general construction on a home.2

HOME DAY CARE

Adds liability and property damage protection for those that provide childcare in their home.2

MULTI-POLICY

Applies if you purchase more than one policy with Encompass—earn the largest discount when you bundle home and auto.

CLAIM FREE

Helps you save if your residence and you are claim-free for the past five years.

PROTECTIVE DEVICES

Applies if you’ve taken certain protective measures, such as burglar alarms, smoke detectors and deadlock bolts.

HOME BUYER

Customers save on their home policy if they insure a recently purchased home.

GATED COMMUNITY

Applies if your home is in a gated community.

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

Talk to an Encompass Independent Agent about an Encompass homeowners insurance policy to fit your lifestyle.

TALK TO YOUR AGENT