Encova Insurance Company Review & Complaints: Auto, Homeowners & Life Insurance (2024)

Many consumers like to keep all their policies with one company for ease of access and to get bundling discounts. With Encova Insurance, you’ll be able able to purchase coverage for your car, home, and even recreational vehicles, along with other items.

Keep reading to learn more about this newly formed insurance company, so you can feel confident when you begin to compare car insurance rates online.

As you read this Encova Insurance review, feel free to enter your ZIP code so you can start comparing free quotes from insurance companies near you.

Who is Encova Insurance?

In 2019 two long-established companies, Motorists Insurance Group and Brickstreet, merged to create the Encova Insurance Company, a mutual insurance company. This means that Encova is a private company that is not beholden to the whims of shareholders. Plus, when a mutual company earns profits, those profits are delivered to qualified policyholders through reduced rates or dividends.

Encova calls Columbus, Ohio home and provides insurance coverage to over half the United States. You can check the Encova Insurance website to see if your state falls within one of Encova’s covered areas. If Encova doesn’t do business in your home state, you can always shop online to find an insurance company near you.

Is Encova Insurance a highly-rated company?

If you’re looking to work with a financially strong company, you’ll be happy to learn that Encova has an A- rating from A.M. Best. This impressive rating is a good sign that Encova Insurance’s revenue stream is strong and that the company will be able to continue paying out claims. However, it doesn’t have a rating on the Better Business Bureau.

If you base your purchase decisions upon a company’s customer reviews, you may want to dig a little deeper to see how well the Encova Insurance claims department functions and how satisfied Encova’s general clientele are.

You can use your Encova Insurance login to view your policy and pay bills, so you can rest assured that you will be able to gain access to your account whenever you need to do so. There is an Encova Insurance agent login on the company website as well.

What coverages does Encova Insurance provide?

You can purchase nearly every kind of policy from Encova Insurance. While you can buy more standard policies like car, home, life, and commercial insurance, Encova also provides a wide variety of other policies, which include:

• ATV insurance
• Golf cart insurance
• Recreational vehicles insurance
• Cyber liability insurance
• Motorcycle insurance
• Scooter insurance
• Snowmobile insurance

When shopping for insurance, it’s always important to do your research on a company, so if you’re looking for an insurance company that can cover you while you’re at work or play, you won’t need to look further than Encova. Now, let’s take a closer look at Encova’s car, home, life, and commercial policies so you can determine if this insurance company is the best fit for you.

Read more: Best Car Insurance Company for a Golf Cart

Car Insurance

Encova auto insurance offers liability-only and full coverage policies to protect you and your car. Towing and labor come standard with a car insurance policy from this company. Many other companies charge extra for roadside assistance.

Home Insurance

Pet owners might be intrigued by Encova’s home insurance policy, as its liability coverage can help protect you if your pet were to injure someone or cause damage to someone’s property. This liability coverage will also extend to you if you hurt someone or damage their property.

You will also have coverage for your personal possessions. So, for example, if your electronics, furniture, clothing, or appliances were destroyed or damaged in a covered loss, you would be able to get the financial help you needed to restore what you had lost.

All in all, the coverages that Encova offers homeowners are rather basic, and there doesn’t appear to be much room for customization. Homeowners who like tweaking their policy until it is just right may want to consider working with larger companies that offer more additional coverage options.

Life Insurance

Life insurance is a wonderful tool that can be used to provide a financial cushion for your loved ones or leave behind a generous gift to a beloved institution, so it is exciting to see that Encova offers such wonderful opportunities to the public.

Unfortunately, not much information aside from the fact that life insurance products are provided through Encova is available on the company’s website. You will need to reach out to an Encova representative to learn more about the life insurance options that are available to you with this company, although it is safe to assume that Encova doesn’t have instant life insurance policies available like Ladder Life or Bestow.

Read more: Ladder Life Insurance Review & Complaints: Life Insurance

Commercial Insurance

If you run a business, you can purchase a coverage package through Encova Insurance that will provide liability coverage for:

• Products
• Employee dishonesty and theft
• Faulty work
• Slips, falls, and injuries on the premises
• Regulatory non-compliance.

Encova’s commercial policy also provides protection for your business property. Your stock and furniture would be protected by this coverage. You can even purchase a commercial auto, so every aspect of your business has the protection it needs.

Does Encova Insurance offer discounts?

While Encova doesn’t share any of its rate information online, the good news is that Encova doesn’t shy away from helping its clients save money. For example, if you own a car insurance policy through this company, you’ll be able to reduce your rates if you qualify for any of these discounts:

• Multi-policy
• Electronic fund transfer (EFT)
• Married professional
• Empty nester
• Excellent driving record
• Good student
• Long-time customer
• Driver training
• Anti-theft devices

You can save money on more than just your car insurance policy with Encova. If you insure your home with Encova, you should look over your policy to see if you are eligible for an updated roof discount or updated wiring/plumbing discount. Encova also offers an age of home discount, an excellent credit discount, and a bundling discount.

Encova Claims Process

Ease of Filing a Claim

Encova Insurance does not provide the option to request a quote online, which may impact the ease of filing a claim online as well. Customers may need to rely on other methods for filing claims.

Average Claim Processing Time

The article does not provide specific information about the average claim processing time for Encova Insurance. It is advisable for customers to inquire about this directly with the insurance company.

Customer Feedback on Claim Resolutions and Payouts

The article does not include customer feedback on claim resolutions and payouts. Customer reviews and feedback can provide valuable insights into the company’s performance in this regard. Customers should consider researching and reading reviews from other policyholders to gauge their satisfaction level with claim resolutions.

Digital and Technological Features of Encova

Mobile App Features and Functionality

Encova Insurance’s digital offerings, including mobile app features and functionality, are not detailed in the article. Customers interested in using mobile apps for insurance management should check the company’s official website or contact them directly for information about available features and how to use the mobile app for policy management.

Online Account Management Capabilities

The article mentions that customers can use their Encova Insurance login to view their policy and pay bills online. However, it does not provide in-depth information about the online account management capabilities. Customers should visit the company’s website or contact customer support for a comprehensive overview of the online account management features offered.

Digital Tools and Resources

The article briefly mentions online bill payment and policy management tools but does not elaborate on the digital tools and resources provided by Encova Insurance. Customers interested in accessing digital tools and resources should explore the company’s official website for a detailed overview of available tools and resources for policyholders.

What You Need to Know About Encova Insurance

Encova Insurance may be a great fit for you if you want to keep all of your insurance policies in one place. While the coverages that this insurance company provides appear to be quite basic, Encova offers an impressive array of discounts that can keep your rates low.

While you won’t be able to get a quote from the company website, you can use its agent locator tool to find an insurance representative near you.

Of course, if you’re someone who wants to be able to customize your policies, this may not be the best match for your needs.

Now that you’ve reached the end of this Encova Insurance review, you have the tools you need to find the right insurance company for you. Enter your ZIP code to start comparing free quotes today.