Encompass
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Public-facing Encompass materials do not provide a consolidated, current producer/underwriting manual. Available information is fragmented (state-specific risk profile PDFs hosted on wholesaler/agency sites and anecdotal producer comments) and may not reflect current appetite following Encompass’s integration with National General/Allstate. As a result, treat the following as directional and confirm specifics with your Encompass/NatGen underwriter or portal before binding. HOMEOWNERS – GENERAL APPETITE (DIRECTIONAL) • Overall positioning: Personal lines carrier focused on standard-to-preferred owner-occupied homes, typically written in package with auto. Many programs expect Encompass to write both the primary home and auto to access best pricing and accommodate higher-risk features such as PC 9 secondary homes. ([adb4.superioraccess.com](https://adb4.superioraccess.com/KB/Private/Guidelines/Personal/Home/Encompass/TX%20-%20USP%20-%20PLAUTO%20-%20PLHOME.pdf?utm_source=openai)) • Construction/occupancy: Target is 1–4 family, owner-occupied primary residences with good maintenance and no unusual hazards. Secondary/seasonal, condo, renters can be acceptable but may have higher minimum Coverage A and tighter underwriting. • Protection class: Generally prefers PC 1–8. PC 9 and 10 are often ineligible or require special conditions; PC 9 may be allowed for secondary dwellings where all other criteria are met and Encompass writes the primary home and auto with enhanced protective devices. ([adb4.superioraccess.com](https://adb4.superioraccess.com/KB/Private/Guidelines/Personal/Home/Encompass/TX%20-%20USP%20-%20PLAUTO%20-%20PLHOME.pdf?utm_source=openai)) • Limits/valuation (examples from TX/NJ risk profiles – state specific): – Minimum Coverage A examples: Metro primary home often ≥ $150k; non‑metro primary often ≥ $90k–125k, with higher thresholds in some states/tiers. Secondary homes and condo/renters have lower minimums but still above nonstandard-market levels. ([adb4.superioraccess.com](https://adb4.superioraccess.com/KB/Private/Guidelines/Personal/Home/Encompass/NJ%20-%20USP%20-%20PLAUTO%20-%20PLHOME.pdf?utm_source=openai)) – Maximum Coverage A: Often capped around $3M Coverage A for preferred programs, with higher values requiring underwriting review. ([adb4.superioraccess.com](https://adb4.superioraccess.com/KB/Private/Guidelines/Personal/Home/Encompass/TX%20-%20USP%20-%20PLAUTO%20-%20PLHOME.pdf?utm_source=openai)) – Replacement cost: Homes generally must be insured to 100% replacement cost; underinsurance is not acceptable for preferred programs. ([adb4.superioraccess.com](https://adb4.superioraccess.com/KB/Private/Guidelines/Personal/Home/Encompass/TX%20-%20USP%20-%20PLAUTO%20-%20PLHOME.pdf?utm_source=openai)) • Prior insurance & loss history: Prior standard, continuous coverage is usually required for preferred tiers. Significant water or large-loss history often triggers referral to underwriting or can be grounds for declination/non‑renewal. ([adb4.superioraccess.com](https://adb4.superioraccess.com/KB/Private/Guidelines/Personal/Home/Encompass/NJ%20-%20USP%20-%20PLAUTO%20-%20PLHOME.pdf?utm_source=openai)) • Protective devices: Central station fire and burglar alarms may be required at higher Coverage A limits (e.g., large dwellings, high SPP schedules) and in certain higher-risk territories. ([adb4.superioraccess.com](https://adb4.superioraccess.com/KB/Private/Guidelines/Personal/Home/Encompass/NJ%20-%20USP%20-%20PLAUTO%20-%20PLHOME.pdf?utm_source=openai)) HOMEOWNERS – RESTRICTED / DECLINED RISKS (TYPICAL THEMES) These items appear repeatedly across legacy risk profile documents. Availability and enforcement are state/program specific: • Ineligible property characteristics: – Mobile homes or manufactured homes. – Dwellings on open foundations, piers or pilings. – Vacant properties or those scheduled for demolition. – Properties in known severe hazard areas (e.g., flood, wave-wash, sinkhole, landslide, pollution, or severe erosion zones) outside program guidelines. – Obsolete, unique, or irreplaceable structures where replacement cost is not reasonably determinable. ([adb4.superioraccess.com](https://adb4.superioraccess.com/KB/Private/Guidelines/Personal/Home/Encompass/NJ%20-%20USP%20-%20PLAUTO%20-%20PLHOME.pdf?utm_source=openai)) • Protection class / catastrophe risk: – PC 9–10 generally ineligible except narrow secondary-home exceptions with strong mitigation and bundling; some coastal/hurricane reinsurance zones (e.g., specified wind zones) are outright ineligible for new business. – Properties in carrier-defined hurricane or reinsurance zones may be non‑writable for new business; existing insureds may have grandfathered handling but cannot add exposures or rewrite to circumvent nonrenewal. ([adb4.superioraccess.com](https://adb4.superioraccess.com/KB/Private/Guidelines/Personal/Home/Encompass/NJ%20-%20USP%20-%20PLAUTO%20-%20PLHOME.pdf?utm_source=openai)) • Liability/animal exposures: – "Vicious/temperamental/exotic" animals and certain dog breeds (e.g., pit bull-type breeds, Rottweilers, Dobermans, wolf hybrids, etc.) commonly listed as ineligible exposures for premises liability. ([adb4.superioraccess.com](https://adb4.superioraccess.com/KB/Private/Guidelines/Personal/Home/Encompass/NJ%20-%20USP%20-%20PLAUTO%20-%20PLHOME.pdf?utm_source=openai)) – Unfenced pools and some trampolines are listed as ineligible due to liability hazard. ([adb4.superioraccess.com](https://adb4.superioraccess.com/KB/Private/Guidelines/Personal/Home/Encompass/NJ%20-%20USP%20-%20PLAUTO%20-%20PLHOME.pdf?utm_source=openai)) • Heating / fuel: – Woodstoves must be professionally installed, not primary heat, and usually ineligible when the dwelling is non‑owner‑occupied. – Older underground fuel or oil tanks (often >10 years) are typically ineligible. ([adb4.superioraccess.com](https://adb4.superioraccess.com/KB/Private/Guidelines/Personal/Home/Encompass/NJ%20-%20USP%20-%20PLAUTO%20-%20PLHOME.pdf?utm_source=openai)) • Business exposures: – Business on premises outside very light incidental exposure usually requires referral and a specific endorsement; certain business types remain prohibited. ([adb4.superioraccess.com](https://adb4.superioraccess.com/KB/Private/Guidelines/Personal/Home/Encompass/NJ%20-%20USP%20-%20PLAUTO%20-%20PLHOME.pdf?utm_source=openai)) HOMEOWNERS – REFERRAL ITEMS / UNDERWRITER REVIEW • Common referral triggers (do not bind without approval per state risk summaries): – Homes under construction or undergoing major renovation. – Log homes or other unusual construction types. – Significant prior water losses (e.g., over a specified threshold like $20,000 total paid or a pattern of claims). – High-value dwellings above automated authority thresholds. – Non‑standard occupancies (mixed-use, boarders, short‑term rental, etc.). ([adb4.superioraccess.com](https://adb4.superioraccess.com/KB/Private/Guidelines/Personal/Home/Encompass/NJ%20-%20USP%20-%20PLAUTO%20-%20PLHOME.pdf?utm_source=openai)) GEOGRAPHIC / PROGRAM NOTES • State-specific manuals exist (e.g., New Jersey and Texas property risk profile summaries) with different minimum Coverage A, PC rules, and catastrophe management rules. Agents must follow the specific state risk profile and any coastal or wind/hail guidelines published in the Encompass/NatGen portal. • Some Reddit user and agent commentary in 2023–2024 indicates that certain Encompass home policies are being transitioned to National General in select states (e.g., Oklahoma) as part of Allstate’s portfolio realignment. Treat this as an operational/servicing note and confirm how it affects new business eligibility and renewals in your state. ([reddit.com](https://www.reddit.com/r/homeowners/comments/1ett6jj?utm_source=openai)) BOAT / WATERCRAFT – APPETITE (LIMITED PUBLIC DETAIL) • Encompass markets personal watercraft and boat coverage but does not publish detailed public underwriting rules. Based on typical carrier practice and bundling strategy, expected appetite is: – Individually owned pleasure-use boats and personal watercraft (PWC) in conjunction with home/auto. – Standard hull types, speeds, and horsepower, with age/length limits varying by state. – Clean operator histories and no recent watercraft liability losses. • High-performance, racing, or commercial-use craft, older large vessels, or moored/blue‑water exposures typically require referral or are prohibited. Agents should rely on the comparative rater/portal questions and any state boat underwriting bulletins within the agent site for exact cutoffs. SUBMISSION / PRODUCER NOTES • Official producer-facing guidance is behind login; wholesalers and comparative raters reference "Risk Management Center" (RMC) and underwriter referral when values fall outside binding criteria or when PC/catastrophe conditions are not met. Agents are directed to call RMC or underwriting when Coverage A falls below or above published thresholds or when risks fall outside straight-through guidelines. ([adb4.superioraccess.com](https://adb4.superioraccess.com/KB/Private/Guidelines/Personal/Home/Encompass/TX%20-%20USP%20-%20PLAUTO%20-%20PLHOME.pdf?utm_source=openai)) • Historical risk profiles stress: – Do not bind on ineligible exposures or when hurricane/cat restrictions apply. – Refer any construction, occupancy, or loss scenarios flagged in the risk summary sheets. – Maintain continuity of package (home + auto) for certain higher-risk property classes. • Because Encompass is now part of the Allstate/National General ecosystem, anticipate: – Appetite, territory, and PC rules may be tightened, especially for catastrophe-prone or high-loss geographies. – Non‑renewals or rollovers into other Allstate/NatGen entities if a risk no longer meets Encompass-specific home guidelines. OPERATIONAL RECOMMENDATIONS FOR BROKERS/AGENTS • Always check the current state-specific Encompass or NatGen personal lines manual and online rating prompts before quoting/binding. The PDFs surfaced via wholesaler sites (e.g., older TX/NJ risk profile summaries) are useful references but not authoritative for current appetite. • For home: – Pre-screen for: occupancy (owner vs tenant), PC, roof age/condition, dogs/breed, pools/trampolines, woodstoves, prior losses, and underground tanks. – Bundle with auto when possible to improve eligibility and pricing, especially in PC 8–9 or marginal territories. – Treat PC 9–10, coastal zones, high CAT exposure, and any major renovation/under-construction situation as mandatory referral. • For boat/watercraft: – Confirm age/length/hull use thresholds, storage location, and operator history. – Avoid binding or promising terms on high-performance, commercial, or older large-vessel accounts until underwriting gives explicit approval. Because official, unified underwriting guidance is not publicly exposed, all placements should be validated against the live Encompass/National General agent portal or your underwriter before binding, especially in catastrophe-prone or non‑standard scenarios.