About Auto-Owners Insurance
Encompass Insurance was a national personal insurance carrier that specialized in auto, home, and umbrella insurance for individuals and families. Encompass operated through independent insurance agents and focused on providing customizable coverage options for everyday insurance needs.
In recent years, Encompass Insurance was merged into National General Insurance, and the Encompass brand is no longer actively writing new policies. Existing Encompass policies were either transitioned to National General or continue to be serviced under legacy policy structures, depending on the policy and renewal cycle.
While Encompass no longer exists as a standalone insurance company, many policyholders still have active Encompass policies that require servicing, billing support, or guidance during claims and renewals.
What Encompass Insurance Policies Typically Covered
Prior to the merger, Encompass offered a range of personal insurance products, including:
Personal Insurance
Auto Insurance: Liability, collision, comprehensive, and optional coverages
Homeowners Insurance: Coverage for dwellings, personal property, and liability
Umbrella Insurance: Additional liability protection beyond home and auto policies
Renters & Condo Insurance: Coverage options for non-homeowners
Coverage details can vary depending on when the policy was written and whether it has since been transitioned to National General. Reviewing your declarations page is the best way to understand what applies to your specific policy.
Encompass & National General Today
After the merger, National General Insurance became responsible for servicing Encompass policies. This means:
Billing, claims, and policy servicing are handled through National General systems
Policy documents may still reference Encompass on older paperwork
Renewals or policy changes may result in updated branding or policy forms
For many policyholders, this transition happened automatically, but it can still cause confusion — especially when trying to access documents or report a claim.
If you currently have an Encompass policy, most servicing is now handled through National General Insurance, including:
For all other inquiries, including policy changes and questions, please contact us.
Pay Your Bill
Log in to your online Encompass Account
Call 866-430-2916
File A Claim
Visit the Encompass Claims Page
Call 800-588-7400
Obtain a Copy of Your Policy
Log in to your online Encompass Account
Your Online Account
Setting up your online account is the best way to interact with your insurance carrier.
Set up your online account on Encompass' website here or download the Encompass App.
Why Work with Holt Insurance Agency
While Holt Insurance Agency no longer writes new policies under the Encompass brand, we can absolutely still help if you currently have an Encompass policy.
Our team can assist you by:
Reviewing your existing Encompass policy and explaining how it is currently serviced
Helping you navigate billing or claims through National General
Clarifying whether your policy has transitioned or will transition at renewal
Comparing alternative insurance options if you’d like to move away from a legacy Encompass policy
As an independent insurance agency, we work with multiple carriers and can help you decide whether staying put or switching to a different insurer makes the most sense for your coverage, pricing, and long-term needs.
Even though the Encompass brand is no longer active, you don’t have to figure this out on your own.
Have Questions or Need Help?
If you have an Encompass policy and aren’t sure what the merger means for you — or if you’d like help reviewing alternatives — we’re here to help.
📧 service@holtinsuranceagency.com
Holt Insurance Agency is here to help you navigate changes, understand your coverage, and make confident insurance decisions.