Does encompass insurance sell home insurance policies? Encompass does offer inpidual homeowners and auto insurance policies, but its competitive advantage lies in bundling those policies together as part of the EncompassOne package. However, EncompassOne packages are not available in Florida, Massachusetts, North Carolina or Texas.What is a comprehensive claim for auto insurance? Comprehensive insurance is an optional auto insurance coverage that protects your car against damage not resulting from a collision, as well as from theft. It covers a wide array of events that can damage your car, including vandalism, fires, and rockslides on twisting mountain roads.Is auto insurance property and casualty insurance? Technically, auto insurance is property and casualty insurance, although you won’t hear many companies calling it that. Essentially, you are purchasing insurance to protect a specific type of property and to protect yourself against liability should anyone be harmed on or by that property.