Encompass is best known for their Universal Security Policy (USP). The USP has been a premier personal lines package policy, offering higher limits and special features many ordinary policies don’t include. Encompass and USP offer quick and responsive claim service, money saving discounts and an Easy Pay plan. USP offers the convenience of one annual policy payment for everything you insure. This may include auto, home, boat, seasonal home, snowmobile, dwelling fire, motor home, condo, excess liability or renters insurance. With USP, if a single incident damages multiple covered exposures, only the highest deductible of the involved risks applies.
For auto and home exposures, the USP offers three coverage levels: Special, Deluxe and Elite. The Elite auto program includes enhanced accident forgiveness, with no merit rating points applied for accidents that occur while the driver is insured with Encompass. The Deluxe auto program forgives a first accident after you have been 5 years accident-free with Encompass. Under the USP home program additional living expense is covered as an additional coverage for up to one year with no dollar limit. Coverage for dwelling, detached structures and personal property are provided with blanket limits.
For the Special program, the blanket limit is 180% of the estimated dwelling replacement cost. For Deluxe and Elite programs the blanket limit is 200% of the estimated dwelling replacement cost. For all home programs, the amount that the company will pay to rebuild is not limited by amount shown on the policy (as long as policy conditions are met). Deluxe and Elite home programs include increased limits for jewelry, silverware, business property, firearms, valuable papers/stamps, boats and trailers. The Elite home program includes $10,000 of jewelry coverage that covers misplaced or lost jewelry (including stones from their setting) with no per item limit. The Deluxe provides similar jewelry coverage with a $5,000 limit. The Deluxe and Elite home programs also include Mortgage Extra Expense coverage, increased coverage for loss assessment and wrongful volunteer acts with a limit of $10,000 for defense and $10,000 for judgment. The Encompass USP program is another tool we use to deliver the best coverage at the best cost.