Why Encompass Home Insurance Is a Smart Choice for Houston Homeowners? On the downside, encompass home insurance usually costs more than "budget" companies. If you are only looking for the cheapest price, Encompass might not be the right fit. Also, they usually handle claims over the phone rather than through a phone app. This might take up more of your time if you prefer doing everything on your smartphone. However, for people with a lot of assets, the time saved by having one policy instead of three is usually worth it. Read More :- https://www.insurewithhart.com/blog/2026/03/why-encompass-home-insurance-is-a-smart-choice-for-houston-homeowners