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
Verified current public guidance appears to be consumer-facing rather than a public producer appetite guide. Encompass currently markets personal lines only, centered on the EncompassOne package policy with one or more segments that can include auto, homeowners, boat, and personal umbrella. Preferred business appears to be package-oriented personal lines risks placed through independent agents, especially owner-occupied home risks that can benefit from bundled home/auto/umbrella and optional boat coverage. Publicly promoted home features include higher-tier package options with expanded property location limits up to 200% of home value on eligible tiers/states, additional living expense enhancements, water backup options, HOA assessment coverage, jewelry/fur sublimits, and accident-forgiveness style auto features. Product availability is state-specific, and Encompass expressly notes offerings are not available in all states. A key geographic note published on the verified product page is that the EncompassOne policy is not available in FL, MA, NC, or TX. Other features and limits also vary by state, and some property-location and endorsement features are unavailable in certain states or tiers. No current official public underwriting appetite page was verified with detailed declined classes, coastal restrictions, protection-class limits, or boat/watercraft eligibility rules; therefore those items should be treated as not publicly confirmed. Submission expectation publicly stated is to work through an Encompass independent agent rather than direct submission; practical producer note is that public materials repeatedly direct prospects/insureds to their independent agent for product details, coverage availability, and state-specific terms. Because no verified public broker manual or appetite bulletin was found, use the official website and agent channel for current state/product-specific underwriting requirements before quoting, especially for watercraft, umbrella, catastrophe-exposed property, or monoline submissions.