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  At Encompass we firmly believe buying insurance can be simple and straightforward, policies can be easy to understand, and getting really good service can be the rule, rather than the exception. » ENCOMPASS QUICK FACTS
 
 
Homeowners Insurance
Encompass Homeowners Insurance is tailored-made for you because your home is
as individual as you are. With the Universal Security Policy, you can choose your
level of coverage, offering you greater flexibility.
 
· Special: Coverage that goes beyond standard policies, allowing you more flexible limits for
  even greater protection.
   
  Even our basic policy is superior to standard homeowners insurance policies. We allow you to aggregate your property limits so that you can use the combined property limit to cover the amount of loss to your home, contents or other structures of your residence.

Other Special Level coverages include: Broadened replacement cost on dwellings; Additional living expenses; Electronic devices used with an auto (Your policy covers transportable cellular/car phones,
CD players and other portable electronics with no internal limits); Personal/contractual liability ("umbrella coverage"); Workers' compensation; Vandalism/malicious mischief.
   
· Deluxe: Offers all the Special coverages as well as replacement cost for contents and other extras.
   
  Our Deluxe USP Homeowners coverage provides all of the features offered under the Special coverage, plus:
Building ordinance increased costs; Replacement cost contents; Mortgage extra expense; Personal computers.
   
· Elite: Get additional coverages beyond Special and Deluxe without having to buy separate policies.
   
  Elite also gives you these exceptional features: Extended peril on contents; Backup of sewers and drains; Fine arts glass breakage; Misplaced or lost silverware/firearms.
 
 
"HomeWork" Coverage (Home Business)
Extra Protection for the Way You Live and Work: HomeWork Coverage helps to close the coverage gap for home-based businesses. Take advantage of great coverage for your home-based business at a discount when you add the HomeWork supplement to your USP policy.

If you're one of the 12 million Americans operating a business from your home, you may be surprised to learn that your homeowners policy leaves you vulnerable. Your current coverage may limit losses on business equipment to just $2,500. But what if:  A client is injured in your home? Your laptop is stolen at the airport? Your home office is destroyed by fire, leaving you without valuable paper and data records?

There's an easy and cost-effective way to help close the gap between homeowners and business insurance: A Homeowners Universal Security Policy (USP) with the HomeWork Supplement. This combination gives you the coverage you need in one convenient, simplified package with one deductible, one bill and one renewal date.

The HomeWork Supplement is available only to Universal Security Homeowners policyholders. Talk to us at Winstead Agency about "HomeWork" Coverage!
 
 
Encompass Identity Fraud
Identity Fraud is a Growing Problem Due to the popularity of the Internet and the increasing frequency of electronic financial transactions, identity fraud is a growing problem. Although the victim may not be liable for money stolen, it can cost the victim a lot to prove the fraud and restore a damaged credit rating. That's what identity fraud expense coverage is for.

This endorsement will pay up to $20,000* for expenses you incur as a direct result of an identity fraud act or series of acts. There is a special deductible of $100 per incident for this coverage, no other deductibles apply.

Coverage offers: Lost Wages Up to $500 per week for up to four weeks; Loan Fees If you are refused a loan; Attorney Fees (with prior approval from Encompass), to defend you against lawsuits; Other Fees.

Talk to us at Winstead Agency about Identity Fraud protection!

*May vary by state. Coverages and discounts are subject to availability and qualifications. Other terms, conditions and exclusions may apply.
 
 
Be sure to ask about our the industry's leading personal insurance package: The Universal Security Policy (USP). This special feature gives you a discount when you combine your personal insurance needs into one policy. Winstead Agency can help you select the right coverage with one renewal date and one payment plan!
 
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