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Thanks to Encompass I've put together 10 reasons why homeowners, with more, deserve the EncompassOneSM Policy. This policy fits well with high value homes in Gilbert, Chandler, Ahwatukee, Tempe, Mesa, and Scottsdale, AZ.

Encompass has packaged an insurance policy that is coverage-rich for those who appreciate and value superior insurance protection for their home insurance, auto insurance, umbrella insurance and so much more. All on One policy.

The EncompassOneSM Policy is ideal for homeowners who not only own their own home but may have a secondary home or rental properties, multiple autos, boat, motorcycle, and even collectibles and so much more. Encompass could be your One policy for life.

Top 10 Reasons Customers with more Need the EncompassOne Policy

1.  The Power of One. - One annual policy, one bill, one property deductible, one independent agent. Packaged together, one policy eliminates coverage gaps providing peace of mind.

2.  One Deductible. - If more than one category of property is damaged in the same loss, only one deductible (the highest deductible) will be applied.

3.  Aggregate property limit. - One pot of money that can be applied to building and contents. This is a unique feature that isn't available through most insurance companies. Read this post, The ABC's of Home Insurance, for an explanation of coverages available through most insurance companies. If you like pictures, here's the same post as an InfoGraphic.

4.  Broadened replacement cost on dwelling. - The aggregate limit will be increased in proportion to the actual dwelling replacement cost at the time of loss.

5.  Expanded additional living expenses. - The dollars paid for this coverage are over and above the aggregate limit, and their Deluxe and Elite policy options eliminates the dollar limitation on this coverage found on a standard homeowners policy.

6.  Higher internal limits. - For theft and mysterious disappearance of jewelry, the Encompass Elite policy covers $10,000. No need to pay extra to schedule jewelry valued less than this amount. With their Deluxe policy, jewelry is covered for theft at $5,000, and $2,500 for mysterious disappearance.

7.  Mortgage extra expense. - Covers increased monthly mortgage costs due to a covered loss and keeps the expense at the pre-loss level for up to four years after a loss.

8.  Unique coverages and endorsements. - Some unique coverages include backup of sewers and drains(limits higher than most companies even offer), extensive identity fraud endorsement, HomeWork supplement and a lifestyle endorsement.

9.  Wide range of discounts. - Some of the discounts available include EasyPay, loss free, multicar, new car, home buyer, claim free and renovation credit. Coming Soon...Pay in Full discount.

10.  Financial Strength. - An EncompassOneSM policy comes with the financial backing of Allstate and an A.M. Best rating of A+.

Bonus Reason:  Gated Community Discount of up to 40%. - If you live in one of our many gated communities in Gilbert, Chandler, Ahwatukee, Tempe, Mesa and Scottsdale, AZ then this discount can save you hundreds of dollars over what you are currently spending for your home insurance.

Disclaimer:  The coverages mentioned here are for policies written in Arizona. Some of these coverages, discounts, features, and benefits may not be available in all states. Please seek the advice of an independent insurance agent, if you're outside Arizona, when choosing a home insurance company. If you're in Arizona, call me.

There you have it. 10 reasons, plus a huge bonus reason, why homeowners with more deserve the EncompassOneSM policy.

Author: Richard Morris

Richard Morris, an independent insurance agent in Chandler, Arizona, has been serving and helping Arizona families with all their insurance needs for over 23 years. Visit his website at http://www.southwestpremierinsuranceagency.com to see all the ways he can help you with your insurance needs or call the office at (480) 336-2707 or toll free at (888) 907-9349. Connect with Rich on Google+ and Twitter.
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